Fun in Isolation for Elder Family Member
Most of us have had to stay close to home due to the virus crisis. For older Americans or those with health issues, being at home can lead to health issues and depression. Keeping everyone active is essential.
The virus crisis is keeping most people indoors or very close to home. Being tied up at home can make most of us stir crazy, but for older people, it might also not be suitable for physical and mental health. Many of the same activities that seniors are encouraged to do during the winter can be applied to our time of social separation and isolation.
Experts say, everyone, especially those who are older, need to keep mind and body active. Enlivant, who operates senior assisted living and respite care communities throughout the U.S., recommends several things which will help during the virus crisis, the winter, or anytime we find ourselves and our loved ones at home.
Chair exercises – Maintaining our muscle strength becomes more important as we get older. One of the biggest concerns older people face is the risk of a fall. Falls are a significant reason seniors need long-term care or die. Here are 18 different chair exercises you, or a loved one can use to keep you active and healthy.
Board games – Back in the day, board games were the rage for both kids and adults. Video games took over for the younger generations, but they are coming back. Many board games can get your mind and imagination active. Don’t forget the hours of fun as well. There are several card games and video-based games even seniors will enjoy.
Yoga – Practicing yoga can be calming and help enhance a person’s overall well-being. When you practice yoga, your body will remain more flexible.
Book Clubs – People still read books, either old fashioned paper bound books or electronic books. One nice thing about electronic devices the user can change the font size. This makes a book easier to read. Audiobooks are also available. The discussion of books might be a little harder, but people can use computer programs like Zoom and meet on a video conference.
Being a Caregiver is Never Easy
Caring for elders is not easy in the best of times. Keeping independent and healthier elders is vital to help them avoid or delay dependence. For those who need help with their daily activities-of-daily-living, obtaining the right care will help them maintain a better quality of life. Planning for the financial costs and burdens of aging is essential to retirement planning.
Affordable Long-Term Care Insurance offers guaranteed tax-free benefits to pay for quality care, either at home or in a facility. This gives you the resources to protect assets and reduce the stress otherwise placed on your family.
Long-Term Care Insurance Will Prepare Family and Finances
Be sure to take action in your 40s or 50s when you enjoy better health, and policies are very affordable. Start your research by finding the current and future cost of extended care where you live. The LTC NEWS cost of care calculator will be a perfect resource.
Be sure to use the help of a qualified Long-Term Care Insurance specialist who works with the major insurance companies. Premiums vary dramatically between companies. Be sure you get the best coverage at the lowest price.
Find a trusted and experienced Long-Term Care Insurance specialist.
About the Author
An LTC News author focusing on long-term care and aging.
James Kelly
Contributor since August 21st, 2017
Editor's Note
Being prepared for future declining health and aging has never been more critical than right now. Long-term health care costs are skyrocketing due to increasing demand, labor shortages, and high labor costs.
If you want to ensure you obtain quality care in the setting you desire, including in-home care, then getting affordable Long-Term Care Insurance is a vital part of your retirement planning.
Long-term care is a cash flow issue, but it is also a family issue, and the consequences on loved ones can be dramatic. Family caregivers find it hard to juggle their careers and family responsibilities with that of a caregiver for an older parent. The burden is something most people have said in surveys that they don't want to place on their family.
LTC Insurance provides guaranteed tax-free benefits to access your choice of quality care options, including care at home. You will protect your income and assets and reduce the stress and anxiety otherwise placed on loved ones.
Planning Tools and Resources on LTC NEWS
You can find many tools and resources on LTC NEWS to assist you in your research for a planning solution or help your family find the appropriate care for a loved one at the time of crisis.
To help you plan the costs and burdens of changing health and aging, LTC NEWS has put in place several resources, including:
- The LTC NEWS Cost of Care Calculator will show you the current and future cost of long-term health care services where you live. Plus, each state has vital state-specific information you should know - Cost of Care Calculator - Choose Your State | LTC News
- The Ultimate Long-Term Care Guide is an outstanding read to help you get a good overview of the topic area.
- Compare the major insurance companies that offer Long-Term Care Insurance products here - Top Insurers for Long-Term Care Insurance | LTC News.
- A detailed tax guide that includes available tax incentives can be found by reviewing the Long-Term Care Tax Benefits Guide.
Find all the resources on LTC NEWS - Resources for Long-Term Care Planning | LTC News.
Seek Professional Guidance
Insurance rates are regulated, so no insurance agent, agency, or financial advisor can give you special deals. However, insurance companies' premiums vary over 100% for the same coverage.
Experts suggest using a qualified Long-Term Care Insurance specialist to help you navigate the many options available to you and your family.
A specialist who works with the top companies can match your age, health, family history, and other factors and find you the best coverage at the best value. A specialist will save you money, and you will have peace of mind knowing they are making the appropriate recommendations - Work With a Specialist | LTC News.
Finding Quality Care for Mom or Dad
Start by reading our guides -
- Finding Quality In-Home Care | LTC News
- Adult Day Care Centers (ADCCs) | LTC News
- Assisted Living and Memory Care Facilities | LTC News
- Finding a Quality Nursing Home | LTC News
If they are lucky enough to own a Long-Term Care Insurance policy, be sure they use it. Sometimes families wait, thinking they can save the benefits for a rainy day. Waiting on using available Long-Term Care Insurance benefits is not a wise idea.
Get Help in Filing a Long-Term Care Insurance Claim
Quality care obtained early will help provide a better quality of life and reduce the risk of a deep decline and facility care. If you need help in starting the process of a Long-Term Care Insurance claim, LTC NEWS can help.
LTC NEWS provides free assistance with no obligation to help you or a loved one complete the claims process with a Long-Term Care Insurance policy. We have teamed up with Amada Senior Care, who will do all the work, free with no obligation.
You can also get support in finding quality caregivers and get recommendations for a proper care plan, whether a person has a policy or not. - Filing a Long-Term Care Insurance Claim | LTC News.
Benefits of Reverse Mortgages
Today's reverse mortgages for those aged 62 and older could be an ideal resource to fund a Long-Term Care Insurance policy OR even provide money to pay for care if you, or a loved one, already needs help and assistance.
Some people have much of their savings invested in their homes. With today's reverse mortgages, you can find ways to fund care solutions, care itself, even help with cash flow during your retirement.
Learn more by asking questions to an expert. LTC NEWS columnist and host of the TV Show "62 Who Knew" will answer your questions regarding caregiving, aging, health, retirement planning, long-term care, and reverse mortgages.
- Just "Ask Mike." - Reverse Mortgages | LTC News.
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You can write a story or ongoing column for LTC NEWS. You can write about many topics, including aging, caregiving, health, lifestyle, retirement planning, and long-term care, to name a few.
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Email your story idea or article: newsroom@ltcnews.com - LTC News Contributors | LTC News
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