Monday, September 25, 2017

Great Eldercare Help: For Free, Pt. 3

Free sources of eldercare help are generally found on websites.  Not always, though.  The following offer in-person assistance. Check them out.

Senior centersNorthshore Senior Center in Bothell, Washington, is an example of a senior center offering lots of good educational social opportunities, mostly for free.  There's a caregiver support group, a social worker who does one on one counseling, plus an array of classes on everything from financial planning to nutrition to exercise.  There's even a hiking club!

Senior Referral Agencies:  I'm proud to work for a senior referral agency, Silver Age Referrals.   Our company and similar organizations help families find quality care for their loved ones, usually in retirement communities, assisted living communities and adult family homes.  Agents are similar to teachers, social workers and realtors rolled into one, helping families choose the right care setting, based on budget, care needs, location, etc.  Families don't generally pay for these services.  Instead, the care providers (assisted living communities or adult family homes) pay a commission on move-in.  Senior referral agencies are commonly used on both the East Coast and the West Coast and in other areas of the country with a high population of seniors.  In Washington State, the Association of Senior Referral Professionals of Washington is a good resource for finding referral agencies who are ethical and professional.

Sunday, September 10, 2017

Great Eldercare Help, for Free, Pt. 2

OK, there may not be a free lunch.  However, there are some great websites that can give you
eldercare help, for FREE.  I promise.

Nursing Home Compare--this website is terrific if you or a loved one is looking for a skilled nursing facility, either for rehab or for long term care.  The site ranks nursing homes in several different areas, giving a 1 to 5 rating for each category.  Each nursing home also receives an overall  rating of 1 to 5.  In addition, you can input the names of up to three facilities, and the site will give you a comparison table instantly.  Another feature:  if you don't know what facilities are available in a certain area, the you can input a city, and the site will give you a list of nearby facilities, along with quality scores for each.  This website is helpful in choosing a nursing home if used with other sources including professional referrals, friends' references, etc.

State Health Insurance Assistance Programs (SHIPS)--When questions about Medicare arise, and they inevitably will, you can contact a nationwide program that uses trained volunteers to offer free help, either by email or by phone.  They could come in handy soon, when the Medicare open enrollment period begins on October 15.  It runs through December 7.   During that period you can make some changes to your parents' or your Medicare plans. You can switch from original Medicare to a Medicare Advantage Program and vice versa.  You can switch from one Medicare Advantage Plan to another.  For help in understanding the plans and their costs, a trained volunteer can give you information without trying to sell a product.

My next post will discuss two more sources of free eldercare help. 

Monday, August 28, 2017

Great Eldercare Help: For Free, Pt. 1

A few days ago I spoke on the phone to a nursing home social worker who had a problem. Perhaps you can relate.

The social worker needed online information on a local adult family home.  She typed the home's name without much success. The listings she found included the name and the address, but no phone number or detailed information.  Instead, she was redirected to an 800-number of a senior referral agency with a sales person on the other end.

The social worker didn't want to be sold; she just wanted help. And she wanted it for free.

 I suggested she and I try the DSHS website. DSHS website The site gives basic information on all the nursing homes, assisted living and adult family homes in Washington State.   There are similar databases in other areas of the country as well.

On the site, we found the owner's name and phone number, number of rooms, and Medicaid policy.  The site allows people to search for eldercare options by city, county or zip code.  They can also look up enforcement letters which spell out fines levied on the communities or adult family homes.  Some communities also have their services listed in detail in a document called "Disclosure of Services."

Your next step--calling a live person--will be easier, now that you have the FREE information.

Good luck!

Tuesday, August 8, 2017

Powers of Attorney: Frequently Asked Questions

Attorney in Fact.  Do you have that title for a loved one?  Bradley J. Frigon, Member of the National Academy of Elder Law Attorneys, gave a recent presentation on this subject to the Certified Senior Advisors.

Powers of Attorney are specific documents that give authority to an agent to act in the best interests of a principal.  Often the agent is a child, a spouse or other relative.  Perhaps you fill that role.

1.  Why is the word "durable" so important in a Power of Attorney document?  That word gives
the Power of Attorney continued effectiveness after the principal loses capacity. The document endures.

2.  What are the two categories of Powers of Attorney?  Financial Power of Attorney and Medical (Health Care) Power of Attorney.  Their spheres of responsibility are different, but the main role is the same:  to act in the best interests of the principal, whether managing finances or making decisions about health care.

3.  Are Power of Attorney documents standard throughout the country?   Not entirely.  However,  since 2010, well over 30 states have signed the Uniform Power of Attorney Act. in an effort toward standardization.  Most states have variations on their individual documents, and notarizing requirements so Frigon advises that when someone moves to a different state, they take the current documents to a lawyer to make any needed changes.

4.  What are Springing and Standing Powers of Attorney?  These refer to when the documents take effect.  A Springing Power of Attorney takes effect after a certain event, often when a licensed physician or physicians determine that the principal is incapacitated.  A Standing Power of Attorney takes effect as soon as it is signed by the principal.  It gives the agent immediate authority.

5.  Who can be the agent?  This is the most important role.  He or she must be 21 years old and someone whom the principal trusts.  The principal must ask permission of the person he or she wants to fill the agent role.  It's important to name a successor.  Frigon advises to limit the number of agents to avoid confusion and conflict.

6.  Anything new in this field?  We are used to agents managing financial portfolios, real estate, etc.  But what about Facebook and LinkedIn accounts, emails and photographs electronically generated?  Some states have provisions in their Power of Attorney documents which include this information.


Saturday, July 29, 2017

Your Aging Parent's Legacy, Pt. 3: A Sample Legacy Letter

 My mother-in-law will soon celebrate her 90th birthday.  Our family has discussed possible ways to remember this special day.  We know what she DOESN'T want.  No big parties or lavish gifts.  She'd prefer a family-only get together at her favorite restaurant or at one of our homes.

Perhaps you're thinking through how you will help your aging loved one celebrate his or her big day.  You might consider a Legacy Letter, a type of tribute to the wonderful contributions he or she has made to you, your family and to the broader community. A Legacy Letter can stand alone or be part of a celebration, big or small. 

The previous two posts discuss the four parts of a Legacy Letter in more detail. 

1.  The Why:  Think about what you want to say and how you want the receiver to feel after reading the letter.  Focus on the values he or she has imparted to others.

2.  The Story:  Include things that highlight your main idea.  These are the concrete things that make your letter ring true.  Things like taking hikes together, doing crossword puzzles, attending football games,  proofreading college term papers.

3.  The Reflection:  Phrases such as "You have taught me..." and "You helped me understand..." show your gratitude to them for the impact on your life.

4.  The Love:  Tell the person how much you love them.  Show how grateful you are that they are an important part of your life and the lives of others.

A Legacy Letter will be part of my mother-in-law's celebration.  We're working on a draft
right now.


Dear Mom,

If I had to choose a word to describe you, both on your 90th birthday and throughout your life, that word would be "Giver."  You have showed generosity to every member of our family and to countless others whom we don't know.

For example, you hosted family dinners well into your 80s, and were generous in baking pies, cookies and other desserts.  We certainly knew that when we left your home, we would be "stuffed to the gills," with yummy food and good memories.  At Christmas, you gave the children special personalized treats which they didn't receive at home.   And when your great-grandchildren began arriving, their parents could count on a baby afghan, hand-made by you--blue, pink or white.

Your church family and retirement community also received your gifts of time and talent.  People could count on you to attend services and other functions and to do what you were able to do to help others.  You worked at the senior community annual bazaar for years, making sure the pies were cut just right and the coffee replenished.

You have helped me understand the meaning of hospitality and the importance of doing my part to help others.  Our whole family would echo this sentiment:  you are a giver, and we thank you for it.

Our children are blessed to have a generous Grandma and Great-Grandma for their children.

Love,

Alice

We have some time to revise the letter, and I'm sure we will think of more to say about this woman's legacy.

Good luck on your own legacy letter!

Wednesday, June 28, 2017

Your Aging Parent's Legacy, Pt. 2: Writing a Legacy Letter

It's a big occasion:  birthday, anniversary, holiday.  Your aging parent or loved one deserves something special. But what do you give to the person who has everything? 

Health Advocate Melanie Vetter of Wellfleet Circle as a ready response:  legacy letters.  She explained the concept in a presentation for the Certified Senior Advisors called "Legacy Letters:  Valuable Tools for You and Your Client." 

Legacy letters are a bit like eulogies, except the receiver is alive.  Generally written in second person, they address the person directly rather than speaking about the person in the style of a business recommendation. The letter highlights the person's positive key value, such as generosity, moral strength, humor, leadership.  True stories and memories follow to illustrate the impact of the person's life.

A bonus of a legacy letter is that it can be read over and over again. It can be read in front of a group, or to the recipient alone.   Either way, the person is honored and recognized for the legacy he or she leaves the world.

Vetter offers these tips for writing a legacy letter, whether it's to an elderly loved one or other family member or friend.  You can also write a legacy letter to a younger person, perhaps at graduation or marriage.

1.  The Why:  Think about what you want to say and how you want the receiver to feel when he or she reads the letter.  Focus on the values, traditions and wisdom he or she has imparted to others.

2.  The Story:  Include things that highlight your main idea.  These are the concrete things that make your letter ring true.  Thinks like taking hikes together, doing crossword puzzles, attending football games,  proofreading college term papers.  Your list will be as personal as the relationship between you and the recipient.  How have these memories shaped the person and illuminated their values?

3.  The Reflection:  Phrases such as "You have taught me..." and "You helped me understand..." show your gratitude to them for the impact on your life.

4.  The Love:  Tell the person how much you love them.  Show how grateful you are that they are an important part of your life and the lives of others.

Do you have experience writing a legacy letter?  Would you like to write one?




Your Aging Parent's Legacy, Pt. 1: Defining and Honoring It

Two words: Inheritance and legacy.  Are they the same?  And how do they impact you and your aging parent, and perhaps your children as well?

According to Psychologist James Dobson among others,  "inheritance" refers to tangible assets, the "stuff" we can see and touch: money, stocks and bonds, real estate, etc. "Legacy", on the other hand,  often has financial implications, but it is broader:  it speaks to the values a person has and gives to others, especially to subsequent generations.  A legacy could include such values as generosity, kindness, self-discipline, humor.

My father, for example, was a pastor in a small denomination in the Midwest.  By the time he died, he was on Medicaid.  A small life insurance policy, split three ways between my siblings and me, gave me enough money to buy a laptop.  Not a huge inheritance.

His legacy, though was larger.   I remember his kindness to parishioners given in big and small ways.  Every summer for 15 years he drove a carload of giggly kids some 650 miles to church camp along winding mountain switchback-laden roads.  I also remember him listening periodically on the phone as an alcoholic sputtered out his story at 2 am.  And there were the countless funerals in which Daddy gave himself unconditionally to the grieving families.  I value his example:  his legacy. 

How do we speak about legacy with our parents and with others?

First:  We honor the legacy we see in our parent's lives, now, and over the course of their lives.  If your parent has always been a giver, talk about that generosity with your family.  Stories are a wonderful way to do that.  In our family, we receive jams and jellies from my mother-in-law and little gifts of special cookies, crackers, and more.  Sometimes the stories illustrating
generosity are humorous, like the time our sons wanted Grandma to teach them how to make a pie crust.  A master baker, she tried, but both boys had all thumbs, and the session ended in laughter.

Second:  We think hard about our own legacy, and work to make it happen.  I'm not gifted in many ways,  but I can express my thoughts reasonably well in writing.  Hopefully my legacy will include memories of my notes, emails and other pieces of writing.  I also enjoy teaching my grandchildren how to bake and sew.  Small things, but they become part of a legacy.

Third:  We can write legacy letters to our loved ones , including our aging parents.  These letters highlight important aspects of a person's life and are illustrated with stories.  The next post will give more detail on writing these letters.  Health Advocate Melanie Vetter, of Wellfleet Circle, contributed much of the content on legacy letter writing.

Do you have any experience with celebrating a loved one's legacy? 

Thursday, June 8, 2017

Your Senior Center: One-stop shopping for help and fun

 North Shore Senior Center is in Chicago.  Northshore Senior Center, similarly named, is in Bothell, WA.  These two are the largest and second largest senior centers in the nation:  Bothell has grown to 6400 members since it began in 1972.  Like similar centers across the country, these offer one-stop shopping for help, information, services and fun.

If you have an elderly loved one in your life, or you want to be prepared for the future, I'd advise you to check out your local center.

I live close to the Northshore Senior Center.  Four-plus years ago I began attending the monthly Greater Bothell Chamber of Commerce meetings held there. Both groups are not-for-profit and give back to the greater community in many ways.  After our meetings, I was able to see community at work.  Volunteer receptionists, mostly seniors, greeted visitors and answered questions, other volunteers checked in to begin their work and still others occupied a corner with coffee mugs in hand, chatting away.

Volunteerism, it seems, is the hallmark of this center which has branches in Mill Creek, Kenmore and Bothell.  Five hundred-plus volunteers, some seniors and others younger, perform unpaid work that augments the work of the 14 paid staffers, allowing the center to help more people.  "One lady has volunteered for more than 14 years, "says Garreth Jeffrey, Program Manager for the Kenmore branch.  "She's a receptionist, and is a great greeter."

Others give of their time in serving in the dining room, keeping the coffee shop running smoothly and working in the Thrift Shop.  Then there's the Pie Man.  He bakes pies to order once a week.  Many of his friends enjoy their favorites: apple and berry pie.  The price is reasonable.  And all proceeds go to defray the costs of the center.

What about outings?  I checked out the senior center's field trips in the catalogue and was pretty tempted.  Have you heard of the Meowtropolitan Cat Café?  It's Seattle's first Japanese style cat café.  Last year the group enjoyed it so much they're going again!  Each person gets to spend 50 minutes interaction time with the resident kitties.  Another field trip is a progressive lunch, with three stops for appetizer, main dish and dessert.  Back at the center's campuses, you'll find classes that include watercolor painting, quilting, woodworking and journaling.

On a more serious note, Northshore Senior Center has a social worker, and offers workshops on
Medicare, legal and financial issues, caregiving and more.

As I return to Northshore Senior Center from time to time, I discover new items, new classes, new services.  I'd like to hear about the programs at your particular local senior center.  Any thoughts?

Thursday, May 18, 2017

Adult Family Home Owners: Do They Spend Wisely?

Adult family home owners, all in all, are a hardworking lot.  They provide care for the frail elderly in Washington, Oregon and elsewhere, at a lower price than nursing homes charge.

The following conversation between Tina, an adult family home provider, and a state social worker, caught me off guard.

"You're  making so much money you ought to share with the neighbors," the social worker said. 

Tina knew from his tone of voice he wasn't kidding.  Did he really want her to give away much of the money she made to people who hadn't worked for it?

The social worker was talking about the money .the state paid Tina for one resident's care.  It was $3000 a month.  From that amount Tina covers taxes, insurance, food, employee wages, home maintenance and more.

"I went to college for eight years,"  the social worker said.  "How about you?"

 Tina hadn't gone to  college. But she had learned the business from the school of hard knocks.  She sleeps with her cell phone by her bed, in case of emergency. Her home isn't extravagant, but it is clean, comfortable and light-filled. Her private pay rates are lower than many charge. She pays her caregivers more than the minimum, and she does things that money can't buy. 

"Rose, one of my residents, no longer recognizes her son.  But she knows me, and the caregivers.  We are Rose's family.  The money we make here is only part of the story.  At the end of the day we try to make the residents and families we serve have a better life."

Does she need to share her money with those who didn't work for it?  I don't think so. 





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Tuesday, May 16, 2017

Low Income Senior Housing: How it Works, Where to Go

If your parent needs low-income housing, you need to know the rules.  What determines whether your parent qualifies?   Various communities have different income limits, but they're generally based on a percentage of the average income in the area.  For example in King County, where Seattle is located, the average income is $90,300.  Low-income senior housing apartments will have an income limit of not more than $37,980.  Some communities have a much lower income cap.

How it works: What determines your parent's annual income?  It's the total of the monthly Social Security, pensions and other benefits.  Assets need to be factored in, as well, as anticipated income.  For years, HUD has had a formula for figuring the income an asset could bring if it were liquidated.  That number is 2 percent.

For example, if your parent has an asset worth $200,000, the anticipated income off of that asset would be 4 percent or $8,000.  You would add $8,000 to your parent's other income.  The total must fall below the community's income cap.

Where to go: 

Your senior center is a good place to start.  Most low income senior apartments also have a website.
 
When you call individual communities, ask their income limit (including 2 percent of assets), their approximate waiting list length and of course, pricing. 

I would encourage you to join multiple lists, even if they seem long.  When an opening occurs, the manager calls down the waiting list until someone is ready to move in.  Often people high on the waiting list aren't ready to move yet.
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