Senior Benefits

Nearly 1 in 3 adults currently suffer from joint pain or immobility. Of those afflicted, 3 in 4 are diagnosed with a chronic condition, such as arthritis. The alternative source of joint pain is principally tendonitis. Since these conditions are difficult to treat post-offset, the proactive adult would be clever to take preventative measures before symptoms present.

Both arthritis and tendonitis differ in cause but are similar in prevention and treatment. Therefore, the same protocol can be strictly followed for both conditions. Smartly consult your primary care physician and establish a clean bill of health before starting any new physical or dietary regimen.

Pursuing joint health begins with risk factor identification, such as:

  • Obesity
  • A family history of joint pain
  • A sedentary lifestyle
  • Type II diabetes
  • A diet high in refined sugars or gluten
Photo courtesy of Pixabay(DarkoStojanovic)
Photo courtesy of Pixabay(DarkoStojanovic)

It would be surprising if anyone reading this didn’t have at least one or two of those risk factors. However, by simply replacing refined sugars with natural sugars, and carb-rich foods with vegetables it becomes possible to reduce several risk factors straight away. Second to this would be habitual exercise, especially in water, which is without impact on the joints.

You may be thinking now, ‘well that all sounds good, but I just don’t have the time to do all that.’ So, take a moment to consider this: if you cannot make time for being healthy, you will have to make time for being sick. It is easy to forget about your health when you’re not currently with disease or illness, but when a chronic condition presents itself, it may be too late to go back.

The easiest lifestyle changes to make are dietary. To be specific, there are foods that promote joint health, and others that are to the detriment of our joints. Before listing these foods, remember to only eat in moderation—even healthy foods can be overconsumed.

Foods to eat:

Foods to avoid:

  • Fast foods
  • Processed sugars
  • Bread
  • Alcoholic drinks

A good rule of thumb is to have every meal be two-parts vegetables, one-part fruit, and one-part meat, fish, or nuts. Ideally, nobody would ever eat unhealthy foods or drinks, but it shouldn’t cause any noticeable harm to have these things on occasion, say once per week.

Photo courtesy of Pixabay(SofieZborilova)
Photo courtesy of Pixabay(SofieZborilova)

Daily exercise is also vital to the preservation of the kinetic apparatus, especially the joints. The most optimal exercises being ones with little to no impact, such as walking, biking, and exercises in water. Exercising half an hour per day is a fantastic preventative measure for joint degradation.

The actual stretches, which should be performed twice daily, and should be held for 30 seconds each, unless otherwise specified, are as follows:

  • Place your right hand on your left shoulder from the front, as if you were patting yourself on the back, and then use your left hand to push your elbow up and towards your back, then switch arms.
  • Place both hands behind your back as if being handcuffed, then slide your hands up towards your mid-back to form chicken wings. Hold this position for up to a minute.
  • Push your palms against a wall, with arms straight, and legs in a lunging position. Then, flip your hands so the backs of your hands are against the wall, and hold the position again. This is excellent for the wrists and elbows.
  • Put your fingers through a thick rubber band and open your fingers, spreading the band apart. Perform on both hands.
  • Get into a lunge position and hold, then switch legs.
  • Lay on your back with your feet together. Now, slide your feet up towards your butt before spreading your legs and trying to put your knees on the floor. Do not at any point allow your feet to lose contact with each other. Your legs should be forming a triangular shape.

Repeat these stretches three times each session, with a minute rest or so between each stretch. At no point should you feel exhausted doing these stretches—and if that happens, allow yourself as much time as you need to calm your breathing and nerves. Following this protocol, joint problems should never develop or should be much less severe if already present.

Guest Contributor: Victoria Ward has always been very passionate about psychology and health. She is a recent graduate with a major in psychology and a minor in neurobiology, focusing on Alzheimer’s, learning, and memory.

Have your good health habits slowly turned into bad ones as you’ve aged? Eager to jump over that rut and start anew?

Thankfully, humans have the free-will to make of life what we can, when we can. Breathe easy, senior netizens. There are changes you can start making today to improve your overall health for the coming years.

Eat healthy

Digestion slows with age, so adding fiber by eating more fruits and vegetables can be particularly effective for seniors. However, it is important to keep in mind that anyone who eats more fiber should also drink more water, as it helps flush waste and keeps joints lubricated. Need a guide? This graphic from the AARP shows what your plate should look.

FYI: Senior centers often provide a healthy lunch, either free or at a greatly reduced price, via state or municipal programs. Check if yours does – it’s a guaranteed healthy meal during the week!

Get more sleep

Photo courtesy of Pixabay(Pexels)
Photo courtesy of Pixabay(Pexels)

If you wake up tired or have insomnia or sleep apnea, it is imperative to change your sleep habits. You need 7-8 hours each night, so turn off smartphones, tablets, and TVs two hours before bedtime, as the blue light mimics daylight and tricks your body into thinking it should be awake. It is also important to keep your room temperature cool (68 degrees) and to make sure your bed is comfortable enough for a good night’s rest.

QUICK FIX: If you’ve been sleeping on the same mattress for at least 7 years, consider looking into a new one that’s more accommodating (i.e. less harsh on joints) for seniors.

Focus on disease/illness prevention

Don’t wait until you’re sick to address your health – which is great advice for seniors and caregivers alike. It’s easier to prevent illness than to heal it. Caregivers should do this by helping elders stay on top of appointments, medications, screenings, and vaccinations.

REMINDER: Seniors are more likely to develop pneumonia or shingles. Ask for those shots the next time you are seeing your doctor.

Exercise

No one is saying to sign Grandpa up for a 5K after a hip replacement. What we are saying, however, is that there are exercises that can be extremely beneficial, at any age. Walking is a great example, and there are exercise routines (on a chair, in a pool) that will keep limbs moving and hearts pumping regardless of mobility level. The National Council on Aging recommends 30 minutes per day, five times per week, devoting two days to muscle strengthening.   

BONUS: Exercise relieves depression. Seniors can feel lonely and isolated, so it is important that we all are aware that exercise is a wonderful, free, effective antidote.

Photo courtesy Pixabay (silviarita)
Photo courtesy Pixabay (silviarita)

Make new friends and stay busy

Many seniors experience losing friends due to age or illness, or because it’s harder to get around. They’re retired or unable to work. Without stimulation, their bodies and brains can atrophy. They need friends and activities: Sudoku, crossword puzzles, playing chess with children or grandchildren. Regular interaction at a senior home or center. Help them make connections in both their brain and the world.

Aging is not always going to be easy, but it is important to keep in mind that there are some helpful tips and tricks to staying healthy as we do get older.

Guest Contributor:

Elise Morgan has always loved writing and enjoys covering numerous topics. She got into writing about seniors, aging, and caregiving because she was a volunteer caregiver in Asheville, NC. She enjoyed it so much she started writing helpful tips and for seniors and caregivers alike.

You worked hard to put money away for retirement, so it is important that you understand the various strategies available to you to make sure you maximize that savings by minimizing taxes and avoiding penalties. Here are several tips to maximize your retirement savings:

Avoid early withdrawal penalties. Over and above the income tax due on your withdrawals, you must wait until age 59 ½ before tapping your retirement savings to avoid the 10% early withdrawal penalty. However, you can take penalty-free 401(k) withdrawals beginning at age 55 if you leave the job associated with that 401(k) account at age 55 or later.

Roll over your 401(k) when changing jobs. If you withdraw money from your 401(k) when you change jobs, 20 percent will be withheld for income tax, as well as paying a penalty for early withdrawals. The mechanism to avoid these costs is to roll over your 401(k) into either a new 401(k) or an IRA.

Mixing your types of retirement accounts. If you qualify for a Roth IRA, these accounts have a variety of benefits a traditional IRA does not, including more flexibility on penalty-free withdrawals and no required minimum distributions. However the biggest difference between the two types of accounts is how they are taxed. IRAs are tax-deferred, so they provide you with an immediate tax benefit, but you must pay taxes when you withdraw the money during retirement. Roth IRA accounts require paying taxes when you deposit the savings, but that means you don’t pay taxes on them during retirement. Diversifying your money in a traditional IRA as well as a Roth IRA will allow you to moderate your tax burden during retirement. Also, if you expect to be in a higher tax bracket during retirement, maximizing your retirement funds in a Roth account will allow you to lock in today’s low tax rate.

Photo courtesy of Pixabay-1(stevepb)
Photo courtesy of Pixabay (stevepb)

Understanding minimum distribution. You are required to withdraw money from your traditional 401(k) and IRA after age 70 1/2. If you miss a required withdrawal, you must pay a 50 percent penalty on the amount that should have been withdrawn. Make sure you mark your calendar for that cutoff date and make arrangements with your financial institution to remind you automatically about your required distribution.

Understanding the rules on your first distribution. Your first required minimum distribution is due by April 1 of the year after you turn 70 ½. All subsequent distributions must be taken by Dec. 31 each year. If you delay your first distribution until the same tax year as your second distribution, you will be required to take both distributions in the same tax year, which could result in an unusually high tax bill.

Start withdrawals in your 60s. While you must begin traditional retirement account withdrawals at age 70 ½, you can lower your tax burden by take smaller distributions starting at age 59 ½, which can spread the tax bill over more years, potentially allowing you to stay in a lower tax bracket and reducing your lifetime tax bill. Check with your financial advisor to find out if this option would make sense for you.

Calculate your tax burden with added Social Security or Pension Benefits. If you’re going to be receiving Social Security benefits or regular payouts from a pension, it’s important to incorporate them when planning your withdrawal strategy. Even if you’re receiving a relatively small amount each month from these sources, the extra income may increase your tax burden.

Keep tax-preferred investments outside retirement accounts. Investments that generate long-term capital gains receive preferential tax treatment when held outside of a retirement account. However, if you put them in a retirement account, you will pay your typically higher regular income tax rate when you withdraw the money from the account. In contrast, you can lower your tax bill by holding more highly taxed investments, including Treasury inflation-protected securities, corporate and government bonds and funds that generate short-term capital gains, inside retirement accounts.

Contributed by:

Caren Parnes for the Senior’s Choice

What is long-term-care insurance?

Long-term care insurance covers a range of supportive services (medical and non-medical) that an individual may need when they are no longer able to perform many day-to-day activities or tasks on their own. Activities of daily living, commonly known as ADL’s, include tasks such as feeding, bathing, toileting, dressing, or transferring from a bed to chair.

Additionally, long-term-care covers services that may help individuals with other everyday essential tasks. These supportive tasks include medication reminders, house cleaning, errands, and meal preparation.

LTC covers care services whether it be in the individual’s own home or in a facility. Who provides care may depend on the individual’s needs, but many times can come from a family caregiver, a homecare company, an adult day service, or a facility.

How do you know if long-term-care insurance is right for you?

Photo courtesy of Pixabay(skeeze)
Photo courtesy of Pixabay(skeeze)

LTC may be right for you if:

  • You want to be able to pay for your own care when it is needed down the road.
  • You like the idea of being independent as long as possible.
  • You are able to afford the premiums and have a good income and amount of assets.

LTC may NOT be right for you if:

  • You have a limited amount of income or assets.
  • You struggle paying for day-to-day necessities such as housing, rent, food, medications, etc.
  • Your only income is through a Social Security benefit or SSI (Supplemental Security Income) and you can’t afford the premiums.

Companies like Aspen Senior Care, an in-home personal care agency, want to help make sure seniors get the most bang for their buck. Cindy Harris, a LTC Claim Specialist with Aspen, says that many people don’t utilize their long-term-care options as well as they could.

“My job is to work with LTC insurance companies and get them to pay claims on our clients’ behalf,” says Cindy. “That way they get the full care they need and don’t have to worry that they won’t get the coverage they’ve paid for!”

While any wartime veteran or their surviving spouse can apply for the VA Aid and Attendance Benefit through the help of a veteran service officer or a VA Accredited Attorney, the paperwork is lengthy, and the time spent preparing the paperwork can seem arduous.  American Patriot Service Corp, using their in-house attorney, has developed a system creating a quick turnaround time, shortening the time it takes to prepare the paperwork for filing.

American Patriot Service Corp has been helping wartime veterans and their families receive their hard-earned benefits for 7 years.  During that time APSC has helped over 3,500 families receive over $100 million in the VA Aid & Attendance Benefit.

Legally, anyone preparing the paperwork for the VA Aid & Attendance Benefit cannot charge a fee.   American Patriot Service Corp works on a unique Pay-It-Forward model.  As Rick Nelson, CEO of American Patriot Service Corp puts it, “A previous veteran and their family got us to the point where we can help you, we only ask that you pay-it-forward and help the next veteran.”  A suggested donation of $250 essentially covers the costs of preparing the paperwork.

There are three primary qualifications which must be met for the Veteran or a Veteran’s Surviving Spouse to receive the Aid & Attendance Benefit.

  1. The Vet must have served during a time of war.
  2. The VA requires the Vet or the Surviving Spouse to receive at least two of the activities of daily living or ADL’s which include:
  • Bathing/Showering
  • Assisting with Hygiene
  • Dressing
  • Toileting
  • Ambulation
  • Nursing Services
  • Physical/Mental Therapy
  1. Some income and net worth restrictions exist

An M.D. must examine the Claimant and certify they meet the medical conditions necessary to qualify for the benefit.

The VA Aid Attendance Benefit pays the Claimant (Veteran or Surviving Spouse) a monthly pension that can be used for paying both in-home caregivers, as well as assisted living and nursing facilities.   Family members taking care of the Claimant can qualify as a caregiver and be paid for the care they provide with some restrictions.

Current monthly pension amounts of the VA Aid and Attendance Benefit

  • Veteran $1,830
  • Surviving Spouse $1,176
  • Veteran and Spouse $2,170

Rick Nelson and his staff are passionate about helping our country’s wartime veterans and their surviving spouses receive the hard-fought benefits they deserve.

Visit the APSC webpage at www.apscnp.org or on Facebook www.facebook.com/apscnp

Contributed by APSC Membership Department
We Serve You “Because You Served U.S.”