UPDATED October 2, 2019
According to UsAgainstAlzheimer’s the Latino and African American populations for those age 65 and older are increasing dramatically. The group says population will grow 224% and 114%, respectively, by 2030. This compares to a 65% growth rate for non-Latino white Americans.
Communities of color will see a tremendous growth of Alzheimer’s and other forms of dementia. The Alzheimer’s Association says the top factor for Alzheimer’s is your advanced age. The possibility of developing some type of memory loss doubles about every five years after age 65; after age 85, the risk reaches nearly 50%.
Latinos and African Americans Experience Higher Risk for Alzheimer’s
There are several health issues that are risk factors for Alzheimer’s and are prevalent in Latinos and African Americans compared to other Americans. These include high blood pressure, stroke, diabetes, and heart issues. This means African Americans have double the risk compared to white Americans for Alzheimer’s and Latinos are one and half times more likely over whites.
With the growing middle and upper-middle class of both groups, the costs of long-term care can wipe out much or all of the savings they worked hard to earn over their lifetime. Don’t forget the tremendous impact on family members. Affordable Long-Term Care Insurance can play an important part in protecting savings and income while reducing the stress and burden that is otherwise placed on loved ones. These policies also provide access to choice of quality care in the setting you desire.
The question remains does science know why these groups have an even higher risk of memory loss?
Alzheimer's disease may cause different changes in the brain, or pathologies, in African-Americans than in white Americans of European descent, according to a new study by researchers in the Rush Alzheimer's DiseaseCenter at Rush University Medical Center.
"Because some studies suggest that Alzheimer's disease is more common among older African-Americans than European-Americans, we wanted to see whether the brain changes caused by Alzheimer's are different in these two racial groups."
"Studying how Alzheimer's disease looks in the brain in individuals of different races may help us to further understand the disease and pinpoint strategies for prevention and treatment."Lisa Barnes, PhD., study lead investigator and cognitive neuropsychologist at Rush
The study included 41 African-Americans with a clinical diagnosis of Alzheimer's dementia from the memory clinic, who had an autopsy of their brain performed after death. They were then compared to 81 deceased European-Americans who had Alzheimer's dementia with the same level of disease severity and were of the same age, sex and education level.
Researchers looked for typical signs of Alzheimer's disease (plaques and tangles) as well as other brain changes that can cause dementia, such as infarcts (the brain changes associated with stroke) and Lewy bodies (associated with Lewy body or Parkinson'disease). They noted whether people had just one pathology or more than one. They also looked at small and large blood vessel disease.
Almost all participants in the study had Alzheimer's disease in their brain. Only about half of the European-Americans had pure Alzheimer's disease pathology (no additional pathologies contributing to dementia) whereas the rest had Alzheimer's disease pathology with either infarcts or Lewy bodies. In contrast, less than 25 percent of African Americans had pure Alzheimer's disease pathology. On the other hand, almost three-quarters (71 percent) of African-Americans had Alzheimer's disease pathology mixed with another type of pathology, compared to 51 percent of European-Americans. Clinical Alzheimer's disease in African-Americans was much more likely to involve pathologies other than Alzheimer's disease pathology. African-Americans also had more frequent and severe blood vessel disease.
"Our study has important clinical implications because it may suggest a need for different types of Alzheimer's prevention and treatments in African-Americans. Indeed, current Alzheimer's drugs primarily target specific Alzheimer pathologies in the brain. Given the mixed pattern of disease that we see in African American brains, it will be important to develop new treatments that target these other common pathologies, particularly for African-Americans."
The study results appear in the July 15, 2015, issue of the medical journal of the American Academy of Neurology.
The Alzheimer’s Association reported in 2012 that African-Americans are twice as likely as white people to get Alzheimer's. Although the cause of Alzheimer's disease is not known, studies have shown that persons with a history of high blood pressure or high cholesterol are twice as likely to get Alzheimer’s disease. Another risk factor is diabetes. All these risk factors are higher in African-Americans.
Latinos and memory loss
Latinos are the fastest-growing group of older adults in the United States. According to the National Institute on Aging, there are several factors that place some Latinos at higher risk of cognitive decline. This includes lower socioeconomic status, increased cardiovascular disease, and a higher occurrence of health issues like diabetes, high blood pressure, obesity, and depression. The NIH says Latinos tend to develop symptoms at a younger age than non-Latino whites.
Rush University Medical Center. "Alzheimer's may affect the brain differently in African-Americans than European-Americans." ScienceDaily. ScienceDaily, 15 July 2015.
More and more African Americans and Latinos are purchasing affordable Long-Term Care Insurance. As these groups enjoy higher income and savings, planning for the financial costs and burdens that come with getting older. Plus, many more African Americans and Latinos own small businesses. They want to keep their businesses in the family. There are also tax incentives they can take advantage of to make premiums even more affordable.
Start researching long-term care planning with finding the current and future cost of care in your area. Plus, some states offer tax incentives and have available Partnership policies which provide dollar-for-dollar asset protection. Find your state on the LTC News Map and use the cost of care calculator by clicking here.
The key to is plan in your 40s or 50s when your health is better and premiums are lower. These policies are custom designed. Premiums can vary over 100% between companies for the exact same coverage. This is why you seek the assistance of a Long-Term Care Insurance specialist. You can find a specialist by clicking here.
Your Long-Term Care Insurance specialist should ask many detailed questions about your health, family history, and retirement plans. These should also discuss several key items including:
- Partnership – Most states offer special policies that provide dollar-for-dollar asset protection. The Long-Term Care Insurance Partnership Program might be one of the best-kept secrets in retirement planning. Make sure the specialist explains this program and how it might help you.
- Tax incentives – There are federal tax incentives available for some people. If you own your own business be sure to ask.
- Health Savings Accounts – If you have an HSA you can use the pre-tax money in your account to pay for the premium.
- Asset-Based or Hybrid policies – These are life insurance or annuities with a rider for long-term care. Careful, only a handful are actually a long-term care benefit. However, one of these policies can provide you with the flexibility of both a long-term care benefit or a death benefit. They are expensive but can be paid with a single premium.
Make sure the specialist asks you detailed questions about your health, family history, and retirement plans. Underwritingcriteria varies with each insurance company. If they are not asking you detailed questions then find another specialist.