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Senior Planning

Senior Planning Special Coverage Special Publications

When BusinessWest and the Healthcare News first started publishing an annual Senior Planning Guide, the idea wasn’t to create a roadmap to the end of life, though it could, in some sense, be described as such. Along with information about financial planning, care options, and family conversations, the idea was also to express that the retirement years should be a rich, rewarding, and robust time. It’s a topic of interest for an increasing number of individuals and families. According to the U.S. Census Bureau, the number of Americans age 65 and older — which was 35 million in 2000, just 12% of the population — will reach 74 million by 2030, or 21% of U.S. residents. That’s a lot of people. And a lot of planning. And a lot of living left to enjoy. In this year’s guide, we bring you perspectives on everything from Medicare plans, food insecurity, and important health issues, like stroke, to local options for in-home care, adult day programs, and more, as well as why it’s so imortant to stay active and have fun well into the retirement years. In short, stories about the questions families are grappling with every day. After all, these years should be an enjoyable time, highlighted by special moments with family and friends, the freedom to engage in a range of activities, maybe even a chance to develop new interests and hobbies. Hopefully, the 2025 Senior Planning Guide will be a helpful resource in that process.    

 

Go HERE to view the Digital Interactive 2025 Senior Planning Guide

 

The Serious Business of Joy

Why Having Fun Is Essential to Healthy Aging >> Read More

 

A Shared Responsibility

Let’s Work Together to Address Senior Food Insecurity   >> Read More

 

Decisions, Decisions

What to Look for in Medicare, Medicare Advantage Plans  >> Read More

  

Having the Talk

Ten Tips on How to Approach a Difficult Topic  >> Read More

 

Opening Hearts and Homes

Adult Family Care Offers Numerous Benefits  >>  Read More

 

Benefits of In-home Care

How It Supports Independence for Older Adults  >> Read More

 

Keeping the Pace

Mercy LIFE Aims to Improve Seniors’ Overall Wellness  >>  Read More

 

All About Stroke

The Medical Emergency That Doesn’t Discriminate  >> Read More

 

The Basics of IRMAA

How Does This Surcharge Impact Your Medicare?  >> Read More

 

Senior Resources

These Nonprofits Can Help Families with Care Planning  >> Read More

 

Senior Planning

These Nonprofits Can Help Families with Care Planning

These regional and statewide nonprofits can help families make decisions and access resources related to elder care planning.

AARP Massachusetts
1 Beacon St., #2301, Boston, MA 02108
(866) 448-3621;
states.aarp.org/region/massachusetts
Administrator: Mike Festa
Services: AARP is a nonprofit, nonpartisan, social-welfare organization with a membership of nearly 38 million that advocates for the issues that matter to families, such as healthcare, employment and income security, and protection from financial abuse

Access Care Partners
4 Valley Mill Road, Holyoke, MA 01040
(413) 538-9020; www.accesscarepartners.org
Administrator: Roseann Martoccia
Services: Provides an array of in-home and community services to support independent living; interdisciplinary team approach to person-centered care; information, referrals, and options counseling as well as volunteer opportunities available; primary service area includes Holyoke, Chicopee, Granby, South Hadley, Belchertown, Ludlow, and Ware, as well as other surrounding communities

The Conversation Project and the Institute for Healthcare Improvement
53 State St., 19th Floor, Boston, MA 02109
(617) 301-4800; www.theconversationproject.org
Administrator: Kate DeBartolo
Services: The Conversation Project is dedicated to helping people talk about their wishes for end-of-life care; its team includes five seasoned law, journalism, and media professionals who are working pro bono alongside professional staff from the Instititute for Healthcare Improvement

Elder Services of Berkshire County Inc.
877 South St., Suite 4E, Pittsfield, MA 01201
(413) 499-0524; www.esbci.org
Administrator: Christopher McLaughlin
Services: Identifies and addresses priority needs of Berkshire County seniors; services include information and referral, care management, respite care, homemaker and home health assistance, healthy-aging programs, and MassHealth nursing home pre-screening; agency also offers housing options, adult family care, group adult foster care, long-term-care ombudsman, and money management, and oversees the Senior Community Service Aide Employment Program

Estate Planning Council of Hampden County
www.estateplan-hc.org
Administrator: Christopher McLaughlin
Services: Provides a forum for current, accurate, and authoritative information with regard to estate and financial planning; council members are life-insurance professionals, bankers, fiduciaries, lawyers, accountants, planned-giving professionals, and other financial-service providers engaged in the planning, settlement, and management of estates

Greater Springfield Senior Services Inc.
66 Industry Ave., Suite 9,
Springfield, MA 01104
(413) 781-8800; www.gsssi.org
Administrator: Jill Keough
Services: Private, nonprofit organization dedicated to maintaining quality of life for older adults, caregivers, and people with disabilities, through programs and services that foster independence, dignity, safety, and peace of mind; services include case management, home care, home-delivered meals, senior community dining, money management, congregate housing, and adult day care

Highland Valley Elder Services
320 Riverside Dr.,
Florence, MA 01062
(413) 586-2000;
www.highlandvalley.org
Administrator: Allan Ouimet
Services: Services include care management, information/referral services, family caregiver program, personal emergency-response service, protective Services, home-health services, chore Services, nursing-home ombudsman Services, adult day programs, elder-care advice, bill-payer services, options counseling, respite Services, representative payee services, local dining centers, personal-care and homemaker Services, and home-delivered meals

LifePath
101 Munson St., Suite 201, Greenfield, MA 01301
(413) 773-5555; www.lifepathma.org
Administrator: Gary Yuhas
Services: LifePath, formerly Franklin County Home Care Corp., an area agency on aging, is a private, nonprofit corporation that develops, provides, and coordinates a range of services to support the independent living of elders and people with disabilities with a goal of independence; it also supports caregivers, including grandparents raising grandchildren

Massachusetts Executive Office of Elder Affairs
1 Ashburton Place, Unit 517,
Boston, MA 02108
(617) 727-7750;
www.mass.gov/elders
Administrator: Robin Lipson
Services: Connects seniors and families with a range of services, including senior centers, councils on aging, nutrition programs such as Meals on Wheels, exercise, health coaching, and more; supports older adults who may be somewhat frail through programs in nursing homes, such as the ombudsman program, volunteers who visit residents, and quality-improvement initiatives in nursing homes and assisted-living facilities; caregiver programs offer support to people with mild Alzheimer’s disease or those caring for someone with more advanced Alzheimer’s

MassOptions
(844) 422-6277;
www.massoptions.org
Administrator: Dr. Kiame Mahaniah
Services: A service of the Massachusetts Executive Office of Health and Human Services, MassOptions connects elders, individuals with disabilities, and their caregivers with agencies and organizations that can best meet their needs; staff can also assist with determining eligibility for and applying to MassHealth

VA Central and Western Massachusetts Healthcare System
421 North Main St., Leeds, MA 01053
(413) 584-4040;
www.centralwesternmass.va.gov
Administrator: Jonathan Kerr
Services: Provides primary, specialty, and mental-health care, including psychiatric, substance-abuse, and PTSD Services, to a veteran population in Central and Western Massachusetts of more than 120,000 men and women

Senior Planning

The Basics of IRMAA

By Erica Beaudry

 

I’ve previously written articles about some of the basics of Medicare, like “Navigating the Medicare Maze,” in which I introduced the concept of working with an independent broker such as myself to help guide you through the enrollment process, or “Medigap vs. Medicare Advantage: What’s the Big Deal?” which looked at how both Medigap and Medicare Advantage plans can be fortification tools that help limit the liabilities one is exposed to when covered by Original Medicare (the red, white, and blue card) alone.

Erica Beaudry

Erica Beaudry

“The Social Security Administration determines you owe an income-related monthly adjustment amount, it will send you a notice for the amount of your new premium and the reason for its determination.”

Today, we break down IRMAA, or the income-related monthly adjustment amount, which some folks pay for their Medicare Parts B & D coverage.

IRMAA is a surcharge that is determined by the Social Security Administration and is based on income reported two years prior. The amount is calculated annually, so if your income changes, so might your IRMAA.

The base rate for Medicare Part B in 2025 is $185. Depending on your modified adjusted gross income as reported on your IRS tax return from two years ago, you may have to pay the standard Part B premium and an income-related monthly adjustment amount.

 

If the Social Security Administration determines you owe an income-related monthly adjustment amount, it will send you a notice for the amount of your new premium and the reason for its determination. If you disagree with that determination, you have 60 days from the date of notice to appeal. Life changing events such as loss of income, death of a spouse, marriage, or divorce could be grounds for a redetermination, as well as inaccurate or outdated tax information.

IRMAA also comes into play with your Part D, or drug coverage. The same set of parameters are used to calculate the surcharge for Part D. The important part to remember is that the Part D IRMAA is in addition to any premiums associated with your Part D coverage, but is paid directly to the Social Security Administration the same way you pay for your Part B premiums.

 

A couple of scenarios worth mentioning that can affect your income-related monthly adjustment amount are the sale of a primary real estate property or winning the lottery. Both life events will increase your income for the year they occur in and may therefore result in an IRMAA surcharge two years later. Both life events are generally not appealable, meaning that you are more likely to lose an appeal filed on the grounds that your income increased in any given year due to these events occurring. With real estate properties, some exceptions are made when the property has been income-producing.

If your head feels like it is spinning after reading this, don’t worry. Take the headache out of understanding Medicare by working with a professional such as myself who will help you sift through all the details that come with enrollment and coverage.

Independent Medicare specialists do not work for the insurance carriers. Instead, we provide an independent, unbiased view of insurance options available to seniors and Medicare recipients at no cost to the people we serve. We focus on Medigap, Medicare Advantage, and prescription drug plans.

Our service to you doesn’t end when you enroll in a plan. We live in your community and are here to answer your questions on bills, drug plans, provider services, extra benefits, and much, much more year-round. 

 

Erica Beaudry is a local, licensed, independent insurance broker with EA Financial Solutions, focusing on Medicare. She does not work for and is not affiliated with Medicare. She can be reached at [email protected] or (413) 626-9906.

Senior Planning

The Medical Emergency That Doesn’t Discriminate

By Mary Orr

 

Stroke is a disease that affects the arteries leading to and within the brain. It occurs when a blood vessel that carries oxygen and nutrients to the brain is either blocked by a clot or ruptures. When that happens, part of the brain is deprived of the blood and oxygen it needs, causing brain cells to die.

“Affecting people of all ages, stroke is the fifth-leading cause of death and a leading cause of disability in the U.S. And while you cannot predict if you will suffer a stroke, there are things you can do to increase your odds of preventing one.”

Affecting people of all ages, stroke is the fifth-leading cause of death and a leading cause of disability in the U.S. And while you cannot predict if you will suffer a stroke, there are things you can do to increase your odds of preventing one, such as maintaining a healthy weight; eating fresh, unprocessed food; committing to a regular exercise schedule; limiting your intake of alcohol; and stopping smoking. And if you’re on medication, it’s vital to take it as prescribed.

If you do suffer a stroke, every minute counts. In fact, brain cells begin to die after a few minutes without oxygen. That’s why it is so important to recognize the first signs of a stroke and act quickly. The acronym BE FAST provides a helpful reminder:

B: balance issues

E: eye changes

F: facial drooping

A: arm weakness

S: speech difficulty

T: time to call 911

If you or a loved one have any of these symptoms, quick action in calling for an ambulance is essential. EMS crews pre-notify hospitals while en route with stroke patient information and arrival time. This allows for necessary teams to prepare to receive the patient, provide the quickest evaluation, and administer eligible acute treatments in the emergency department. In the event of a stroke, time is of the essence in determining the patient’s most effective course of treatment.

For more information on Stroke and Neurology services at Trinity Health Of New England, visit trinityhealthofne.org/stroke. n

 

Mary Orr is Communications and Media specialist for Trinity Health Of New England.

Senior Planning

Mercy LIFE Aims to Improve Seniors’ Overall Wellness

By Mercy LIFE

 

Mercy LIFE is a Program of All-Inclusive Care for the Elderly (PACE). We meet you where you are and help you feel better, live safer, and stay connected to what you love.

When you join Mercy LIFE, we know our participants by name; you are more than a number. Our team of healthcare providers will meet with you to discover your goals and create an individualized care plan, keeping you at the center of your healthcare decisions.

“The program does for me what I can no longer do for myself. It helps me to remain independent.”

What Makes Mercy LIFE Different?

The wrap-around care allows you and your loved ones to rest easy and experience peace of mind. A driver from our team is available to help participants get to and from our center and other medical appointments. Our center serves as a one-stop shop, with physical and occupational therapists, skilled nurses, primary care, nutritional planning with dietitians, and fun activities with our recreation therapy department. You can receive all your care under one roof.

Our team might decide home care visits are best for you. In addition to our medical and social support services, home care can help with daily tasks such as bathing, getting dressed, and light housekeeping. Our goal is to keep you living at home as long as possible, while helping you maintain your independence.

 

What Do Seniors and Caregivers Say About Mercy LIFE?

“I love, most of all, when I am not feeling good, I can call them, and they will set up time for me to come into the clinic. They don’t make you wait long — sometimes they can get me in the same day or the very next day. They find out what is going on, and if they can’t help me, they will send me to a doctor who can help. It makes me feel good I can get the help I need.” —Carolyn M.

“We have hospitals and all the doctors, but it’s different when you have one number to call, and they help you make decisions on what to do next.” —Lisa D.

“I have seen a lift in my husband’s spirits and in improvement in his health. I would recommend it to other people. He can do a few things they have taught him to do on his own, and it’s helpful to me, giving me a break as a caregiver.” —Margaret K.

“The program does for me what I can no longer do for myself. It helps me to remain independent. I can’t come and go as I used to. The program comes, they bring my medications, they pick me up at the door, they bring me into the center. I’m never lonely anymore.” —Sandra G.

 

How Can Mercy LIFE Improve Mental or Spiritual Health?

As seniors age, isolation and loneliness can cause concern, not only for mental health, but also physical health. Mercy LIFE understands social connection is a priority for wellness. When participants visit our center, they have access to primary care and rehabilitative therapies, as well as engaging recreational therapy activities like chair yoga, pet therapy, and crafts.

Our care model treats the whole person — in mind, body, and spirit. Participants have access to spiritual care, designed to honor your values, preferences, and cultural traditions. We prioritize making sure participants know we care about them as individuals and ensure they are treated with dignity and reverence.

The most important thing is that our colleagues are fully present with every interaction and open to receive what you want to share, whether that’s celebrating a milestone or companionship in times of loss or grief.

Social workers will work with you to help make decisions and connect you to resources like counseling services, caregiver education, or access to legal support. If a senior is eligible for housing assistance, our team will work closely with participants to ensure they have a safe, accessible place.

Our team is committed to going beyond treating your physical health, and we are dedicated to your overall wellness. Leading with compassion and healing with heart, we treat the whole person.

Learn more about the comprehensive care at Mercy LIFE by calling (413) 827-4238 or visiting mymercylife.com

Senior Planning

How It Supports Independence for Older Adults

By Access Care Partners

 

In-home care is a lifeline for countless older adults and individuals with disabilities, offering a vital alternative to long-term care facilities. As the population ages and the desire for aging in place grows, in-home care has emerged as a cornerstone of support for maintaining independence, dignity, and quality of life.

 

Personalized Care Tailored to Individual Needs

One of the greatest advantages of in-home care is its ability to cater to the unique needs of each individual. Unlike the one-size-fits-all approach often found in institutional settings, in-home care plans are designed with the individual’s preferences, health conditions, and goals in mind. Caregivers provide assistance with daily tasks such as bathing, dressing, meal preparation, and medication management, ensuring that each person receives the support they need while maintaining their autonomy.

 

Familiar Surroundings Enhance Well-being

Remaining in the comfort of one’s home can significantly impact mental and emotional well-being. Familiar surroundings, cherished routines, and the proximity of loved ones create a sense of security and normalcy. For individuals with cognitive challenges like dementia, staying in a known environment can reduce confusion and anxiety, contributing to a better quality of life.

 

Cost-effective Alternative to Facility Care

In-home care often proves to be a more affordable solution compared to long-term care facilities. Families can choose the level of care needed, whether it’s a few hours a week or round-the-clock assistance, allowing for flexibility in managing costs. Additionally, many programs and services exist to help offset the expenses of in-home care, making it an accessible option for those with limited resources.

 

Promotes Independence and Empowerment

In-home care empowers individuals to retain control over their lives. By supporting activities of daily living and encouraging participation in decision making, caregivers foster a sense of independence. This autonomy helps to preserve dignity and self-worth, essential elements for a fulfilling life.

 

Reduces Hospital Readmissions and Improves Health Outcomes

With the personalized attention provided by in-home caregivers, health conditions are often better managed, reducing the likelihood of hospital readmissions. Caregivers can monitor symptoms, ensure medication adherence, and assist with mobility, all of which contribute to improved overall health outcomes.

 

A Holistic Approach to Care

In-home care goes beyond physical assistance; it also addresses social and emotional needs. Companionship is a key component, alleviating feelings of loneliness and isolation that can negatively impact health. Caregivers often become trusted allies, fostering connections that enhance emotional well-being.

 

Who We Are and What We Do

At Access Care Partners, we are proud to continue the work we have done for decades under our previous name, WestMass ElderCare — helping people remain independent in their homes. Our new name reflects our commitment to the broad range of individuals we serve, from age 3 and up. Whether it’s a child, an adult with a disability, or an older individual, we are here to provide the support and resources they need. Our mission remains steadfast: to help people live with dignity and independence. 

If you or a loved one could benefit from in-home care services, call Access Care Partners at (413) 538-9020 or visit accesscarepartners.org to learn more about how we can support your journey toward independence. No matter your needs, our dedicated team is here to help you live life on your terms, in the comfort and familiarity of your own home.

Senior Planning

Adult Family Care Offers Numerous Benefits

By Kayla Brown-Wood

 

In today’s fast-paced world, where independence is highly valued yet often difficult to maintain for individuals with medical or cognitive challenges, Adult Family Care (AFC) services offer a dignified solution.

Grounded in respect, care, and a sense of community, AFC enables individuals who need assistance with daily living to thrive in a safe and supportive home environment. At the same time, it empowers caregivers, who are often family members or trusted individuals, with the support and resources to provide care in a sustainable and fulfilling way.

Whether you’re a potential caregiver exploring meaningful ways to help a loved one or a family member seeking the best quality of life for someone in need, understanding Adult Family Care can open the door to a life-changing journey for both the caregiver and the member.

Kayla Brown-Wood

Kayla Brown-Wood

“Adult Family Care is a community-based residential care option designed for adults who cannot live safely on their own due to age, physical disability, chronic illness, or cognitive impairment.”

What Is Adult Family Care?

Adult Family Care is a community-based residential care option designed for adults who cannot live safely on their own due to age, physical disability, chronic illness, or cognitive impairment. Unlike nursing homes or assisted living facilities, AFC allows individuals to remain in a home environment where they receive individualized care according to their needs.

At its core, AFC matches a qualified caregiver with a member who needs daily support in the form of supervision and cueing or hands-on physical assistance throughout an activity of daily living. Such support may include help with bathing, dressing, meal preparation, and medication management. A care team consisting of a registered nurse and case manager conducts monthly home visits and provides support and training to ensure everyone involved is set up for success.

 

The Benefit to the Member

For the individual receiving care, known as the ‘member,’ AFC is more than just a service; it’s a lifeline. One of the most profound benefits of AFC is the opportunity to remain in a home setting rather than being placed in an institutional environment. This can mean waking up in a familiar room decorated to their liking, eating preferred meals at the kitchen table, and receiving care from someone they know, trust, and can rely on.

While members may need help with daily tasks, they are still encouraged to participate in decision making and maintain as much independence as possible. This balance of support and self-determination lies at the heart of our mission, empowering individuals to live with dignity, purpose, and a true sense of belonging.

 

The Benefit to the Caregiver

AFC caregivers are truly the heart of the program. Whether a caregiver is a devoted family member or someone drawn to the role out of compassion and a drive to make a difference, the rewards of caregiving through AFC are both practical and deeply fulfilling. Providing care in an AFC setting isn’t just a job; it’s a vocation and heartfelt calling rooted in kindness, patience, and a deep commitment to supporting another person’s well-being.

To recognize the significant responsibility of caregiving, the AFC program provides a tax-free stipend to caregivers. Additionally, caregivers are also entitled to a room and board payment, which is provided through a portion of the member’s monthly entitlements. The program includes clinical support from a registered nurse and case manager, who visit at least monthly to assess the member’s health, provide training, and troubleshoot any challenges. This support network is invaluable, ensuring caregivers are never left to navigate the journey alone.

 

A Bridge to Support

Importantly, AFC also serves families. For those who have been caring informally for a loved one with increasing needs, the program can be a much-needed bridge. It allows family members to formalize the care they are already providing, gain financial support, and receive guidance from a qualified team. It removes the isolation that can often accompany family caregiving and replaces it with partnership and a sense of relief.

If you or someone you know could benefit from AFC, whether as a caregiver or a member, reaching out is the first step. You may find that what begins as a caregiving arrangement becomes something even more profound: a shared life, filled with care and compassion. With the right support, care can happen right where it matters most, in the place you both call home.

 

Member and Caregiver Eligibility

To qualify as a member for Adult Family Care, the individual must be age 16 or older, have MassHealth (Medicaid), or be enrolled in another qualifying health insurance plan. They must also be unable to live alone due to a chronic medical, cognitive, or physical condition and require daily assistance, supervision, or cueing with at least one activity of daily living. AFC services must be ordered by a physician, and the member must live in the same home as the caregiver.

To qualify as an Adult Family Care caregiver, the individual must be at least 18 years old and may not be the legal guardian or spouse of the member. The caregiver must reside with the member, be physically capable of providing hands-on assistance, and successfully complete all required screening and training processes. Caregivers don’t need a professional healthcare license, just a genuine heart for helping others and a strong commitment to providing meaningful, quality care.

For more information on the Adult Family Care program at BFAIR, call (413) 664-9382 or visit bfair.org

 

Kayla Brown-Wood is director of Community Services at BFAIR.

Senior Planning

Ten Tips on How to Approach a Difficult Topic

By the AARP Foundation

The reality is that some conversations are just plain difficult — even with the people to whom you feel the closest. When preparing to discuss a difficult topic like senior care needs, it helps to follow the ground rules below to ensure that everyone’s feelings are respected and viewpoints are heard. To help make the conversation as productive and positive as possible:

1. Try not to approach the conversation with preconceived ideas about what your loved ones might say or how they might react. “Dad, I just wanted to have a talk about what you want. Let’s just start with what is important to you.”

2. Approach the conversation with an attitude of listening, not telling. “Dad, have you thought about what you want to do if you needed more help?” — as opposed to “we really need to talk about a plan if you get sick.”

3. Make references to yourself and your own thoughts about what you want for the future. Let them know they are not alone, that everyone will have to make these decisions. “Look, I know this isn’t fun to think about or talk about, but I really want to know what’s important to you. I’m going to do the same thing for myself.”

“Make references to yourself and your own thoughts about what you want for the future. Let them know they are not alone, that everyone will have to make these decisions.”

4. Be very straightforward with the facts. Do not hide negative information, but also be sure to acknowledge and build on family strengths. “As time goes on, it might be difficult to stay in this house because of all the stairs, but you have other options. Let’s talk about what those might be.”

5. Phrase your concerns as questions, letting your loved ones draw conclusions and make the choices. “Mom, do you think you might want a hand with some of the housekeeping or shopping?”

6. Give your loved ones room to get angry or upset, but address these feelings calmly. “I understand all this is really hard to talk about. It is upsetting for me, too. But it’s important for all of us to discuss.”

7. Leave the conversation open. It’s OK to continue the conversation at another time. “Dad, it’s OK if we talk about this more later. I just wanted you to start thinking about how you would handle some of these things.”

8. Make sure everyone is heard — especially those family members who might be afraid to tell you what they think. “Susan, I know this is really hard for you. What do you think about what we are suggesting?”

9. End the conversation on a positive note. “This is a hard conversation for both of us, but I really appreciate you having it.”

10. Plan something relaxing or fun after the conversation to remind everyone why you enjoy being a family. Go out to dinner, attend services together, or watch a favorite TV program.

These are just a few suggestions of things you, your loved ones, and other family members can do to unwind after a difficult conversation. 

Senior Planning

What to Look for in Medicare, Medicare Advantage Plans

By Sarah Fernandes

 

Each year, people who are 65 or older make decisions about their Medicare and Medicare Advantage coverage during the Medicare Annual Enrollment Period (also known as Open Enrollment) from Oct. 15 to Dec. 7. Before choosing their plans, Medicare beneficiaries should consider a few things.

 

Is All Medicare Coverage the Same?

While Original Medicare (Parts A and B), the plan provided by the federal government, covers hospitalizations and most doctors’ services, coverage for other services — like outpatient care, medical supplies, and preventive health care (Parts C and D) — can vary widely. Part C, otherwise known as Medicare Advantage, and Part D (prescription drug coverage) are offered through private insurers, such as Health New England and others.

Sarah Fernandes

Sarah Fernandes

“By focusing on prevention, any potential health issues can be identified early, and you can work to maintain optimal health and prioritize your well-being.”

What Is Medicare Advantage (Part C)?

Medicare Advantage (Part C) plans cover everything Original Medicare (Parts A and B) would cover, but offer additional benefits and services beyond Original Medicare. These added benefits can include prescription drug coverage, vision care, dental services, hearing aids, wellness programs, and more. Medicare Advantage plans provide greater opportunities for beneficiaries to engage in preventive services, such as regular check-ups, screenings, vaccinations, and health education.

By focusing on prevention, any potential health issues can be identified early, and you can work to maintain optimal health and prioritize your well-being. If you do have a chronic condition, a coordinated approach from your Medicare Advantage plan and your providers ensures that you receive the necessary support, education, and interventions to manage your condition effectively, leading to improved quality of life and health outcomes.

 

How Do I Decide?

To decide what plan is right for you, be sure to review the features of the plan. For instance:

• Make a list of your preferred healthcare providers and see if they are considered in network or out of network for each plan you are considering. Some plans do not cover out-of-network services at all, while some cover them partially.

• Similarly, make a list of your medications and see if they will be covered and how much, if anything, you will need to pay out of pocket (your co-pay).

• If you travel or spend time in other areas of the country, check if the plan allows you to use any Medicare-accepting doctor anywhere in the U.S.

• See if the plan covers dental, vision care, hearing services, and prescription drugs.

• Ask if the plan offers additional healthy benefits such as gym memberships, coverage for acupuncture, activity trackers, and weight management programs.

 

How Do I Learn More?

Health New England’s Medicare Advantage plans are a popular option for people age 65 and older who are looking to tailor their healthcare coverage to their personal needs. Health New England has many high-quality providers in our network across Western Mass., and we have plans that cover you anywhere you travel in the U.S.

To learn more about choosing the right Medicare or Medicare Advantage plan, you can attend Health New England’s live information sessions, which you can find and register for at healthnewengland.org/medicare/sessions, or visit healthnewengland.org/medicare for details about all we offer. You can also call Health New England at (877) 443-3314 (TTY: 711).

Other resources include SHINE, Massachusetts’ free Medicare advice service; visit online at mass.gov/health-insurance-counseling or call (800) 243-4636. Meawhile, the Medicare website is medicare.gov. n

 

Sarah Fernandes is the Medicare sales manager at Health New England and been with Health New England for more than 25 years. She and her team spend countless hours educating Medicare beneficiaries in Western Mass. on their Medicare options.

Senior Planning

Let’s Work Together to Address Senior Food Insecurity

By Jodi Falk

 

Food insecurity affects millions of Americans, but one of the most overlooked groups struggling with hunger is our aging population. According to Feeding America, nearly 5.5 million seniors in the U.S. faced food insecurity in 2021, a number expected to grow as the population ages and inflation continues to rise.

In Western Mass., tight budgets, limited transportation, and social isolation increase the vulnerability of seniors who may already be choosing between medication and meals. Proposed changes to SNAP and other federal food assistance programs could further strain seniors’ ability to access affordable, nutritious food. This is not the fault of individuals — it’s a systemic issue that impacts us all, and one we can work together to solve.

Jodi Falk

Jodi Falk

“In Western Mass., tight budgets, limited transportation, and social isolation increase the vulnerability of seniors who may already be choosing between medication and meals.”

How Seniors Can Get Support Now

If you’re a senior facing food insecurity or know someone who is, here are three meaningful steps to take:

1. Access Local Food Pantries and Delivery Services. Many organizations, including those to whom Rachel’s Table of Western Massachusetts (RTWM) delivers, provide direct food access through rescued and purchased food programs. Visit 413cares.org for information on where to find a pantry or meal site near you.

2. Enroll in SNAP and HIP. Whereas the requirements for these programs may be changing, they offer financial assistance for groceries, and HIP allows for extra benefits when purchasing fresh produce from local farmers. There may be a Mobile Market in your neighborhood. Visit mass.gov for more information.

3. Join a Community Garden Program. Opportunities like RTWM’s Growing Gardens allow seniors to grow their own food, build community, and improve physical and mental well-being. There are many community gardens in our area; check with your town or city to get connected.

 

Four Ways Rachel’s Table Fights Senior Hunger

RTWM addresses food insecurity through four core programs: Rescue, Purchase, Glean, and Grow. Every initiative is community-led and rooted in dignity, sustainability, and empowerment. Every program feeds and nourishes all generations. You can explore each in detail at feedwma.org, but one program especially stands out for seniors: Growing Gardens.

Currently partnering with two agencies that serve only senior residents and several others that serve seniors alongside people of all life stages, RTWM’s garden program provides education, supplies, mentorship, and community-building opportunities tailored to older adults. Through this initiative, dozens of seniors have regained access to culturally meaningful, fresh food, right from their own garden beds. For many, it’s more than just food — it’s connection. It’s confidence. It’s healing.

RTWM provides materials and mentoring to agency sites that encourage senior residents or constituents to plan, plant, and harvest their own food. Many seniors participate in community workshops with recipes from the garden — sofrito, pico de gallo, and many more. Seniors have said, “we are able to access a taste of home, of our history.”

Become a Tend-A-Garden Sponsor and Grow More Than Food

Businesses, organizations, and families can deepen their impact by becoming a Growing Gardens Tend-A-Garden sponsor. With three tiered levels of support, sponsors can contribute not just funding, but also their time, talents, and services to help these gardens — and the communities they nourish — thrive.

• Seed Starter ($5,000):

– Logo on RTWM’s website

– Acknowledgment in quarterly newsletters

– One aligned social media shout-out

• Seed Saver ($7,500):

– All Seed Starter benefits

– Garden signage

– Sponsor spotlight in newsletter

– Three robust social media features

– Employee recognition during gleaning events

• Seed Sustainer ($10,000+):

– All previous benefits

– Exclusive sponsor gleaning day for your team

– Inclusion in press and media outreach

– Co-branded local media and educational materials

 

Food for Thought

Whether it’s watering a garden on your morning commute, donating compost, or teaching a financial literacy workshop, your involvement matters. And your partnership will directly support seniors and others experiencing food insecurity in our region.

To learn more or arrange a visit to one of our gardens, visit feedwma.org/growing-gardens. n

 

Jodi Falk is executive director of Rachel’s Table of Western Massachusetts.

Senior Planning

Why Having Fun Is Essential to Healthy Aging

By Kathy Martin

 

Getting older comes with a full plate of responsibilities. From managing health concerns and financial planning to navigating family dynamics and estate matters, the list of ‘serious stuff’ seems to grow longer with each passing year. Whether you’re still working or enjoying retirement, it’s easy to let the weight of these obligations crowd out something just as vital to your well-being: fun.

Yes, fun. Joy. Laughter. Play. These aren’t just nice-to-haves; they’re essential ingredients for a long, healthy, and fulfilling life.

 

Kathy Martin

Kathy Martin

“Why does laughter matter? Because it’s healthy for the mind, body, and soul.”

 

The Science of Laughter

In the mid-1990s, Dr. Madan Kataria, a physician in Mumbai, India, sparked a global movement by tapping into the healing power of laughter. He founded the first Laughing Club, blending intentional laughter with deep breathing and stretching. This evolved into what we now know as laughter yoga, a playful, social, and surprisingly effective wellness practice.

Why does laughter matter? Because it’s healthy for the mind, body, and soul. Here’s what a good laugh can do:

• Lift your mood by increasing oxygen intake and reducing cortisol, the stress hormone.

• Strengthen social bonds and reduce feelings of isolation.

• Boost brain health by improving blood flow, memory, and focus.

• Build resilience by helping you cope with stress more effectively.

• Defuse tension and lighten difficult conversations.

• Support your immune system and improve sleep quality.

In short, laughter isn’t just contagious — it’s therapeutic.

 

Making Joy a Priority

The real challenge — and opportunity — is to make fun a deliberate part of your life. That means holding space for the things that bring you joy and being open to discovering new ones. Here are some ideas to spark your imagination:

• Love music? Attend a summer concert series or open mic night. Dust off that guitar or take up a new instrument. Or sign up for vocal lessons — singing is great for your lungs and your spirit.

• Feeling crafty? Join a local art class for jewelry making, watercolor, calligraphy and more. Explore DIY projects or creative workshops at your local senior center.

• Want to get your game on? Move beyond solo apps like Wordle and join a Scrabble or Mahjong group. Or host a game night with friends — puzzles, chess, bridge, or Bananagrams.

• Want to give back? Volunteer with a nonprofit that aligns with your passions, mentor younger generations, or help out at local events.

• Feeling competitive? Join a golf or pickleball league, or learn to play for the first time. Walk with a neighbor, cycle with friends, or try a new fitness class.

• Hungry for knowledge? Start or join a book club. Take a class, attend a lecture, or learn a new language. Visit museums or historical sites in your area.

• Craving adventure? Plan a trip, near or far. Try an improv class or attend a live theater performance. Explore new hiking trails or attend a local sports game.

• Foodie at heart? Take a cooking class or try a new cuisine. Visit a winery, brewery, or food festival. Or host a themed dinner night with friends.

 

Your Community Is a Playground

Many towns offer vibrant programs for older adults through senior centers, libraries, and parks and recreation departments. These hubs of activity are goldmines for connection, learning, and fun. Group travel for older adults is also on the rise, perfect for those who want to explore with like-minded adventurers.

 

A Silver Spoon Reminder

Years ago, a dear friend gave me a sterling silver ice cream scoop engraved with the words: “Life is short; eat dessert first.” It’s a sweet reminder that joy isn’t something to save for later. It’s something to savor now.

So yes, keep managing your health, finances, and responsibilities. But don’t forget to laugh, play, and explore. Fun isn’t a distraction from healthy aging — it’s a cornerstone of it. And we are fortunate to live in a region that is rich with options.

Who knows? Maybe you’ll be the one to start a laughter yoga class right here in Western Mass. If you do, count me in! n

 

Kathy Martin is president and CEO of Glenmeadow, a life plan retirement community in Longmeadow.

Senior Planning Special Coverage Special Publications

According to the U.S. Census Bureau, the number of Americans age 65 and older — which was 35 million in 2000, just 12% of the population — will reach 73 million by 2030, or 21% of U.S. residents. That’s a lot of people. And a lot of planning. And a lot of living left to enjoy.

Achieving your goals — and your desires for your loved ones — requires careful thought, and that was the original thought behind the annual Senior Planning Guide presented by BusinessWest and the Healthcare News.

Go HERE to view the Digital Interactive 2024 Senior Planning Guide

In this year’s edition, we bring you local and national perspectives on everything from the key documents in senior planning — wills, healthcare proxies, living trusts, and more — to discussions on home care, assisted living, adult foster care, and other models; from paying for care to having the talk with your senior loved ones about the next stage of their life.

We present pieces dealing with tough topics like dementia risk and the signs of elder abuse, and also stories about eating well as we get older, easing the stress of caregiving, and the ways in which the senior-living industry has evolved and, in many ways, improved over the years.

In short, stories about the questions families are grappling with every day.

After all, the retirement years should be an enjoyable time, highlighted by special moments with family and friends, the freedom to engage in a range of activities, maybe even a chance to develop new interests and hobbies. But to make the most of that time, knowledge and planning are critically important. Hopefully, the 2024 Senior Planning Guide will be a helpful resource in that process.

 

Planning for Senior Living

During a Time of Change, Focus on the Many Positives

 

Two Powerful Tools

Understanding Health Savings Accounts and Medicare

 

Adult Foster Care

This Can Be a Compassionate Alternative for Senior Living

 

Making the Transition

Moving Seniors from Long-term Care to Community Living

 

Recognize the Signs of Elder Abuse

A Crucial Guide to Protecting Vulnerable Loved Ones

 

An Important Question

Home-care Nurse or In-home Personal Caregiver?

 

Keeping Alzheimer’s at Bay

While There’s No Cure, Healthy Lifestyle Could Reduce Risk

 

Easing the Load

Five Ways to Help Reduce Caregiver Stress

 

Healthy Meal Planning

Eating Well Begins with a Dash of Preparation

 

Getting Your Affairs in Order

Follow This Checklist to Prepare for the Future

 

Senior Resources

These Organizations Can Help Families Navigate Decisions

 

Senior Planning

These regional and statewide nonprofits can help families make decisions and access resources related to elder-care planning.

 

AARP Massachusetts

1 Beacon St., #2301, Boston, MA 02108

(866) 448-3621; www.states.aarp.org/region/massachusetts

Administrator: Mike Festa

Services: AARP is a nonprofit, nonpartisan, social-welfare organization with a membership of nearly 38 million that advocates for the issues that matter to families, such as healthcare, employment and income security, and protection from financial abuse

 

The Conversation Project and the Institute for Healthcare Improvement

53 State St., 19th Floor,

Boston, MA 02109

(617) 301-4800;
www.theconversationproject.org

Administrator: Kate DeBartolo

Services: The Conversation Project is dedicated to helping people talk about their wishes for end-of-life care; its team includes five seasoned law, journalism, and media professionals who are working pro bono alongside professional staff from the Instititute for Healthcare Improvement

 

Elder Services of Berkshire County Inc.

877 South St., Suite 4E,

Pittsfield, MA 01201

(413) 499-0524; www.esbci.org

Administrator: Christopher McLaughlin

Services: Identifies and addresses priority needs of Berkshire County seniors; services include information and referral, care management, respite care, homemaker and home health assistance, healthy-aging programs, and MassHealth nursing home pre-screening; agency also offers housing options, adult family care, group adult foster care, long-term-care ombudsman, and money management, and oversees the Senior Community Service Aide Employment Program

 

Estate Planning Council of Hampden County

www.estateplan-hc.org

Administrator: Susan McCoy

Services: Provides a forum for current, accurate, and authoritative information with regard to estate and financial planning; council members are life-insurance professionals, bankers, fiduciaries, lawyers, accountants, planned-giving professionals, and other financial-service providers engaged in the planning, settlement, and management of estates

 

Greater Springfield Senior Services Inc.

66 Industry Ave., Suite 9,

Springfield, MA 01104

(413) 781-8800; www.gsssi.org

Administrator: Jill Keough

Services: Private, nonprofit organization dedicated to maintaining quality of life for older adults, caregivers, and people with disabilities, through programs and services that foster independence, dignity, safety, and peace of mind; services include case management, home care, home-delivered meals, senior community dining, money management, congregate housing, and adult day care

 

Highland Valley Elder Services

320 Riverside Dr., Florence, MA 01062

(413) 586-2000;
www.highlandvalley.org

Administrator: Allan Ouimet

Services: Services include care management, information/referral services, family caregiver program, personal emergency-response service, protective services, home-health services, chore services, nursing-home ombudsman services, adult day programs, elder-care advice, bill-payer services, options counseling, respite services, representative payee services, local dining centers, personal-care and homemaker services, and home-delivered meals

 

LifePath

101 Munson St., Suite 201,
Greenfield, MA 01301

(413) 773-5555;
www.lifepathma.org

Administrator: Barbara Bodzin

Services: LifePath, formerly Franklin County Home Care Corp., an area agency on aging, is a private, nonprofit corporation that develops, provides, and coordinates a range of services to support the independent living of elders and people with disabilities with a goal of independence; it also supports caregivers, including grandparents raising grandchildren

 

Massachusetts Executive Office of Elder Affairs

1 Ashburton Place, Unit 517,
Boston, MA 02108

(617) 727-7750;
www.mass.gov/elders

Administrator: Elizabeth Chen

Services: Connects seniors and families with a range of services, including senior centers, councils on aging, nutrition programs such as Meals on Wheels, exercise, health coaching, and more; supports older adults who may be somewhat frail through programs in nursing homes, such as the ombudsman program, volunteers who visit residents, and quality-improvement initiatives in nursing homes and assisted-living facilities; caregiver programs offer support to people with mild Alzheimer’s disease or those caring for someone with more advanced Alzheimer’s

 

Massachusetts Senior Legal Helpline

99 Chauncy St., Unit 400,

Boston, MA 02111

(800) 342-5297; www.vlpnet.org

Administrator: Joanna Allison

Services: The Helpline is a project of the Volunteer Lawyers Project of Boston that provides free legal information and referral services to Massachusetts residents age 60 and older; the Helpline is open Monday through Friday, 9 a.m. to noon

 

MassOptions

(844) 422-6277;
www.massoptions.org

Administrator: Marylou Sudders

Services: A service of the Massachusetts Executive Office of Health and Human Services, MassOptions connects elders, individuals with disabilities, and their caregivers with agencies and organizations that can best meet their needs; staff can also assist with determining eligibility for and applying to MassHealth

 

VA Central and Western Massachusetts Healthcare System

421 North Main St., Leeds, MA 01053

(413) 584-4040;
www.centralwesternmass.va.gov

Administrator: Suzanne Krafft

Services: Provides primary, specialty, and mental-health care, including psychiatric, substance-abuse, and PTSD services, to a veteran population in Central and Western Massachusetts of more than 120,000 men and women

 

WestMass ElderCare Inc.

4 Valley Mill Road, Holyoke, MA 01040

(413) 538-9020;
www.wmeldercare.org

Administrator: Roseann Martoccia

Services: Provides an array of in-home and community services to support independent living; interdisciplinary team approach to person-centered care; information, referrals, and options counseling as well as volunteer opportunities available; primary service area includes Holyoke, Chicopee, Granby, South Hadley, Belchertown, Ludlow, and Ware, as well as other surrounding communities

 

Senior Planning

Getting Your Affairs in Order

By the National Institute on Aging

No one ever plans to be sick or disabled. Yet, planning for the future can make all the difference in an emergency and at the end of life. Being prepared and having important documents in a single place can give you peace of mind, help ensure your wishes are honored, and ease the burden on your loved ones. The following list provides common steps to consider when getting your affairs in order.

 

1. Plan for Your Estate and Finances

Depending on your situation, you may choose to prepare different types of legal documents to outline how your estate and finances will be handled in the future. Common documents include a will, durable power of attorney for finances, and a living trust.

• A will specifies how your estate — your property, money, and other assets — will be distributed and managed when you die. A will can also address care for children under age 18, adult dependents, and pets, as well as gifts and end-of-life arrangements, such as a funeral or memorial service and burial or cremation. If you do not have a will, your estate will be distributed according to the laws in your state.

• A durable power of attorney for finances names someone who will make financial decisions for you when you are unable to.

• A living trust names and instructs a person, called the trustee, to hold and distribute property and funds on your behalf when you are no longer able to manage your affairs.

“Having a healthcare proxy helps you plan for situations that cannot be foreseen, such as a serious auto accident or stroke.”

2. Plan for Your Future Healthcare

Many people choose to prepare advance directives, which are legal documents that provide instructions for medical care and go into effect only if you cannot communicate your own wishes due to disease or severe injury. The most common advance directives include a living will and a durable power of attorney for healthcare.

• A living will tells doctors how you want to be treated if you cannot make your own decisions about emergency treatment. You can say which common medical treatments or care you would want, which ones you would want to avoid, and under which conditions each of your choices applies.

• A durable power of attorney for healthcare names your healthcare proxy, a person who can make healthcare decisions for you if you are unable to communicate these yourself. Your proxy — also known as a representative, surrogate, or agent — should be familiar with your values and wishes.

A proxy can be chosen in addition to or instead of a living will. Having a healthcare proxy helps you plan for situations that cannot be foreseen, such as a serious auto accident or stroke.

These documents are part of advance care planning, which involves preparing for future decisions about your medical care and discussing your wishes with your loved ones.

 

3. Put Important Papers and Copies of Legal Documents in One Place

You can set up a file, put everything in a desk or dresser drawer, or list the information and location of papers in a notebook. For added security, consider getting a fireproof, waterproof safe to store your documents. If your papers are in a bank safe deposit box, keep copies in a file at home.

 

4. Communicate Where to Find Your Important Papers

You don’t need to discuss your personal affairs, but someone you trust should know where to find your papers in case of an emergency. If you don’t have a relative or friend you trust, ask a lawyer to help.

 

5. Talk to Your Loved Ones and a Doctor About Advance Care Planning

A doctor can help you understand future health decisions you may face and plan the kinds of care or treatment you may want. Discussing advance care planning with your doctor is free through Medicare during your annual wellness visit. Private health insurance may also cover these discussions. Share your decisions with your loved ones to help avoid any surprises or misunderstandings about your wishes.

 

6. Give Permission for a Doctor or Lawyer to Talk with Your Caregiver

If you need help managing your care, you can give your caregiver permission in advance to talk with your doctors, your lawyer, your insurance provider, a credit card company, or your bank. You may need to sign and return a form. Giving permission for your doctor or lawyer to talk with your caregiver is different from naming a healthcare proxy, who can only make decisions if you are unable to communicate them yourself.

 

7. Review Your Plans Regularly

It’s important to review your plans at least once each year and when any major life event occurs, like a divorce, move, or major change in your health.

Senior Planning

Healthy Meal Planning

By the National Institute on Aging

Eating healthfully and having an active lifestyle can support healthy aging. Older adults have unique nutrition needs, but simple adjustments can go a long way toward building a healthier eating pattern. Follow these tips to get the most out of foods and beverages while meeting your nutrient needs and reducing the risk of disease.

• Enjoy a variety of foods from each food group to help reduce the risk of developing diseases such as high blood pressure, diabetes, and heart disease. Choose foods with little to no added sugar, saturated fats, and sodium.

• To get enough protein throughout the day and maintain muscle, try adding seafood, dairy, or fortified soy products along with beans, peas, and lentils to your meals.

• Add sliced or chopped fruits and vegetables to meals and snacks. Look for pre-cut varieties if slicing and chopping are a challenge for you.

• Try foods fortified with vitamin B12, such as some cereals, or talk to your doctor about taking a B12 supplement.

• Reduce sodium intake by seasoning foods with herbs and citrus such as lemon juice.

• Drink plenty of water throughout the day to help stay hydrated and aid in the digestion of food and absorption of nutrients. Avoid sugary drinks.

“Older adults have unique nutrition needs, but simple adjustments can go a long way toward building a healthier eating pattern.”

USDA Food Patterns

Eating habits can change as we grow older. The USDA has developed a series of food patterns to help people understand different ways they can eat healthy. The food patterns include:

• The healthy U.S.-style eating pattern is based on the types of foods Americans typically consume. The main types of food in this eating pattern include a variety of vegetables, fruits, whole grains, fat-free or low-fat dairy, seafood, poultry, and meat, as well as eggs, nuts, seeds, and soy products.

• The healthy Mediterranean-style eating pattern contains more fruits and seafood and less dairy than the healthy U.S.-style eating pattern.

• The healthy vegetarian eating pattern contains no meat, poultry, or seafood, but does contain fat-free or low-fat dairy. Compared with the healthy U.S.-style eating pattern, it contains more soy products, eggs, beans and peas, nuts and seeds, and whole grains.

Visit www.fns.usda.gov/cnpp/usda-dietary-patterns for more information on each eating pattern and recommended daily intake amounts for each food group.

 

Meal Planning

Answering the question ‘what should I eat?’ doesn’t need to leave you feeling baffled and frustrated. In fact, when you have the right information and motivation, you can feel good about making healthy choices. Use these tips to plan healthy and delicious meals.

• Plan in advance. Meal planning takes the guesswork out of eating and can help ensure you eat a variety of nutritious foods throughout the day.

• Find budget-friendly foods. Create a shopping list in advance to help stick to a budget.

• Consider preparation time. Some meals can be made in as little as five minutes. If you love cooking, or if you’re preparing a meal with or for friends or family, you may want to try something a little more challenging.

• Keep calories in mind. The number of calories people need each day varies by individual. Always discuss your weight and fitness goals with your healthcare provider before making big changes. Research calorie goals and healthy food swaps.

 

Finding Recipes

When planning meals, looking for recipes that sound delicious to you can be a good place to start. The USDA features the MyPlate Kitchen (www.myplate.gov/myplate-kitchen), a resource that helps you find healthy recipes that fit your nutrition needs and create a shopping list. The MyPlate Plan tool (www.myplate.gov/myplate-plan) will create a customized food plan for you based on your age, height, weight, and physical activity level.

Finally, when you create your shopping list, don’t forget nutritious basics such as fresh fruits and vegetables and whole-grain bread.

Senior Planning

Easing the Load

By A Better Life Homecare

 

Caregiving is a noble and rewarding endeavor but can also be incredibly stressful. The emotional and physical demands of caring for a loved one can take a toll on even the most resilient individuals. At A Better Life Homecare LLC, we understand the unique challenges caregivers face, which is why we are committed to supporting them in every way possible.

One crucial aspect of caregiver support is access to affordable counseling services. Here are five counseling services that can help reduce caregiver stress without breaking the bank.

 

1. Online Therapy Platforms

Online therapy platforms like BetterHelp and Talkspace offer convenient and affordable access to licensed therapists. These platforms allow caregivers to schedule sessions at their convenience, from the comfort of their own homes. This flexibility is particularly beneficial for those with demanding caregiving schedules. Subscriptions to these services typically range from $60 to $90 per week, which is often more affordable than traditional in-person therapy.

 

2. Community Mental-health Centers

Community mental-health centers provide a range of services, including counseling, at reduced costs based on income. These centers often receive funding from state and local governments, allowing them to offer sliding scale fees to make mental-health services accessible to everyone. Caregivers can benefit from individual therapy, group therapy, and stress-management workshops provided by these centers. To find a community mental-health center near you, visit your state’s health department website or contact local social services.

 

3. Employee Assistance Programs

Many employers offer employee assistance programs (EAPs) that provide free or low-cost counseling services to employees and their immediate family members. These programs typically include a limited number of counseling sessions with licensed therapists, as well as resources for managing stress and improving mental health. Caregivers who are employed should check with their human resources department to see if their employer offers an EAP and how to access these valuable services.

 

4. Nonprofit Organizations

Several nonprofit organizations are dedicated to supporting caregivers and their mental health. Organizations like the Family Caregiver Alliance and the National Alliance for Caregiving offer free or low-cost counseling services, support groups, and educational resources. These nonprofits understand the unique challenges caregivers face and provide specialized support to help them manage stress and maintain their well-being. Additionally, many of these organizations offer virtual support groups, making it easier for caregivers to connect with others who understand their experiences.

 

5. Local Support Groups

Local support groups can be an excellent resource for caregivers seeking emotional support and practical advice. These groups provide a space for caregivers to share their experiences, learn from others, and receive encouragement. Many local hospitals, community centers, and faith-based organizations offer free or low-cost support groups for caregivers. To find a support group near you, consider reaching out to local healthcare providers, social service agencies, or religious institutions.

 

Taking the First Step

Recognizing the need for support is the first step in reducing caregiver stress. By taking advantage of affordable counseling services, caregivers can gain valuable coping strategies, emotional support, and practical advice to help them navigate their caregiving journey. We encourage caregivers to prioritize their mental health and seek out the resources available to them. Remember, taking care of yourself is just as important as taking care of your loved one.

Senior Planning

Keeping Alzheimer’s at Bay

By the ADEAR Center

As you age, you may have concerns about the increased risk of dementia. You may have questions, too. Are there steps I can take to prevent it? Is there anything I can do to reduce my risk?

There are currently no approaches that have been proven to prevent Alzheimer’s disease and related dementias. However, as with many other diseases, there may be steps you can take to help reduce your risk.

 

What Are Risk Factors?

A risk factor is something that may increase the chance of developing a disease. Some risk factors can be controlled, while others cannot. For example, a person is not able to control their age, which is the greatest known risk factor for Alzheimer’s and related dementias. Another uncontrollable risk factor is a person’s genes. Genes are structures in our body’s cells that are passed down from a person’s birth parents. Changes in genes — even small changes — can cause diseases.

Race and gender are also factors that influence risk. Research shows that African-Americans, American Indians, and Alaska Natives have the highest rates of dementia, and that risk factors may differ for women and men. Researchers are investigating what’s behind these differences.

However, people do have control over their behavior and lifestyle, which can influence their risk for certain diseases. For example, high blood pressure is a major risk factor for heart disease. Lowering blood pressure with lifestyle changes or medication can help reduce a person’s risk for heart disease and heart attack. This is not to say that people who lower their blood pressure definitely won’t have a heart attack, but it significantly lowers the chances.

For Alzheimer’s and related dementias, no behavior or lifestyle factors have risen to the level of researchers being able to say this will definitely prevent these diseases. But there are promising avenues.

 

What Do We Know About Reducing Dementia Risk?

The number of older Americans is rising, so the number of people with dementia is predicted to increase. However, some studies have shown that incidence rates of dementia — meaning new cases in a population over a certain period of time — have decreased in some locations, including in the U.S. Based on observational studies, factors such as healthy lifestyle behaviors and higher levels of education may be contributing to such a decline. But the cause and effect are uncertain, and such factors need to be tested in a clinical trial to prove whether they can prevent dementia.

“For Alzheimer’s and related dementias, no behavior or lifestyle factors have risen to the level of researchers being able to say this will definitely prevent these diseases. But there are promising avenues.”

A review of published research evaluated the evidence from clinical trials on behavior and lifestyle changes to prevent or delay Alzheimer’s or age-related cognitive decline. The review found “encouraging but inconclusive” evidence for three types of behavioral changes (also called interventions): physical activity, blood-pressure control, and cognitive training.

The findings mean that interventions in these areas are promising enough that researchers should keep studying them to learn more. Researchers continue to explore these and other interventions to determine whether — and in what amounts or forms — they might prevent dementia.

 

What Can You Do?

Although there is no effective treatment or proven prevention for Alzheimer’s and related dementias, in general, leading a healthy lifestyle may help address risk factors that have been associated with these diseases.

• Control high blood pressure. High blood pressure, or hypertension, has harmful effects on the heart, blood vessels, and brain, and increases the risk of stroke and vascular dementia. Treating high blood pressure with medication and healthy lifestyle changes, such as exercising and quitting smoking, may help reduce the risk of dementia.

• Manage blood sugar. Higher-than-normal levels of blood sugar, or glucose, can lead to diabetes and may increase the risk of heart disease, stroke, cognitive impairment, and dementia. Making healthy food choices, getting regular exercise, stopping smoking, and checking glucose levels can help manage blood sugar.

• Maintain a healthy weight. Being overweight or obese increases the risk for related health problems such as diabetes and heart disease. Being active and choosing healthy foods can help maintain a healthy weight.

• Eat a healthy diet. Aim for a mix of fruits and vegetables, whole grains, lean meats and seafood, unsaturated fats such as olive oil, and low-fat or non-fat dairy products, while limiting other fats and sugars.

• Keep physically active. Physical activity has many health benefits, such as helping to prevent being overweight and having obesity, heart disease, stroke, and high blood pressure. Aim to get at least 150 minutes of moderate-intensity physical activity each week.

• Stay mentally active. Lots of activities can help keep your mind active, including reading, playing board games, crafting, taking up a new hobby, learning a new skill, working or volunteering, and socializing.

• Stay connected with family and friends. Connecting with people and engaging in social activities can prevent social isolation and loneliness, which are linked to higher risks for cognitive decline and Alzheimer’s disease.

• Treat hearing problems. Hearing loss may affect cognition and dementia risk in older adults and can make it more difficult to interact with others. Protect your ears from loud sounds to help prevent hearing loss, and use hearing aids if needed.

Take care of your mental and physical health. This includes getting your recommended health screenings, managing chronic health issues such as depression or high cholesterol, and regularly checking in with your healthcare provider.

• Sleep well. Sleeping well is important for both your mind and body. Try to get seven to eight hours of sleep each night. Talk with your doctor if you are not getting enough sleep, are sleeping poorly, or think you may have a sleep disorder.

• Prevent head injury. Take steps to prevent falls and head injury, such as fall-proofing your home and wearing shoes with non-skid soles that fully support your feet. Consider participating in fall-prevention programs online or in your area. Also, wear seatbelts and helmets to help protect you from concussions and other brain injuries.

• Drink less alcohol. Drinking too much alcohol can lead to falls and worsen health conditions such as diabetes, high blood pressure, stroke, memory loss, and mood disorders. The National Institute on Alcohol Abuse and Alcoholism, part of the National Institutes of Health, recommends that men should not have more than two drinks a day and women only one.

• Stop tobacco use. At any age, stopping smoking can improve your health and lower the risk of heart attack, stroke, and lung disease.

Researchers cannot say for certain whether making the above lifestyle changes will protect against dementia, but these changes are good for your health and are all part of making healthy choices as you age.

 

Watch Out for False Alzheimer’s Cures

Although you might see commercials or online advertisements for products promising to improve brain health and prevent dementia, be cautious about such products. There currently is no product that will effectively prevent or treat Alzheimer’s or related dementias. Check with your doctor before trying any new medication or supplement.

More research is needed to find ways to help prevent Alzheimer’s and related dementias. Future research may determine that specific interventions are needed to prevent or delay the disease in some people, but others may need a combination of treatments based on their individual risk factors. Understanding risk factors and choices you can make now is important for both your present and future health.

 

The ADEAR (Alzheimer’s & Related Dementias Education & Referral) Center is a service of the National Institute on Aging at the National Institutes of Health.

Senior Planning

An Important Question

By Michele Anstett

 

More seniors are choosing to age in place at home instead of dwelling in an assisted-living or nursing facility. However, some may need additional help with their medical or personal care and managing everyday household tasks. Seniors and their family members then need to decide whether a home-care nurse or an in-home personal caregiver is required.

Michele Anstett

Michele Anstett

“Professional in-home caregivers help older adults maintain their independence, continue living at home, and age safely and comfortably.”

What Does a Home-care Nurse Do?

A home-care nurse is either a registered nurse (RN) or a licensed practical nurse (LPN) who offers nursing-level medical care to individuals in their home. Home-care nurses provide treatments that may include:

• Wound care;

• Respiratory therapy;

• Tracheotomy care;

• Diabetes management;

• Ostomy care; and

• Injections and infusions.

Other medical providers — such as registered dietitians and physical, speech, and occupational therapists — may also offer specialized healthcare and rehabilitation services in the home.

 

How In-home Personal Caregivers Can Help

An in-home caregiver provides non-medical assistance for adults needing personal care and assistance with daily tasks. Professional in-home caregivers help older adults maintain their independence, continue living at home, and age safely and comfortably. Caregiver tasks may include:

• Bathing and dressing assistance;

• Assistance with mobility;

• Transfers;

• Companion care;

• Errands and shopping;

• Light housekeeping;

• Meal preparation;

• Medication reminders; and

• Incidental transportation.

 

Which Type of Care is Necessary?

The first step is determining whether your loved one’s needs are medical or non-medical. If your loved one needs non-medical personal assistance, a professional home-care provider, such as Visiting Angels, might be the right choice. Clients and/or their families can select the hours and tasks required — even if those requests are for companion care or respite care only. Visiting Angels offers many care arrangements, including:

• Up to 24/7 care;

• Overnight care or weekday, evening, weekend, and holiday care;

• Respite care for families;

• Temporary care;

• Long-term care; and

• Long-distance care.

 

Arrange a Home-care Consultation

Schedule a free home care consultation with Visiting Angels West Springfield to learn more about available services and how an in-home personal caregiver might be able to assist your loved one. Call (413) 733-6900 for more information.

 

Michele Anstett is director and owner of Visiting Angels West Springfield.

Senior Planning

Recognize the Signs of Elder Abuse

By Lynn Wolf

Elder abuse is a silent epidemic that affects millions of older adults worldwide. According to the World Health Organization (WHO), approximately one in six older adults experience some form of abuse in community settings, with the prevalence even higher in institutional settings such as nursing homes. Shockingly, a study by the National Council on Aging (NCOA) found that only one in 14 cases of elder abuse are reported to authorities, highlighting the pervasive underreporting of this issue.

 

Understanding Elder Abuse

Elder abuse encompasses various forms of harm inflicted upon older adults, including physical, emotional, sexual, financial, and neglectful mistreatment. It can occur in any setting, whether at home or in nursing homes, assisted-living facilities, or even hospitals. Perpetrators of elder abuse can be family members, caregivers, acquaintances, or professionals entrusted with the elder’s care.

Lynn Wolf

Lynn Wolf

“If an older adult confides in you about abuse, listen with empathy and take their concerns seriously. Many victims of elder abuse suffer in silence due to fear or shame, and it’s essential to provide them with support and validation.”

Recognizing the Signs

Physical abuse may include:

• Unexplained injuries such as bruises, fractures, or burns;

• Signs of restraint such as rope marks on wrists;

• Refusal to seek medical treatment or delays in treatment for injuries; or

• Changes in behavior around specific individuals.

 

Emotional abuse may include:

• Withdrawal from usual activities or social interactions;

• Unexplained changes in behavior, such as depression or anxiety; or

• Verbal threats, insults, or humiliation.

 

Sexual abuse may include:

• Bruises or injuries around the genitals or breasts;

• Unexplained sexually transmitted infections; or

• Signs of distress or fear around certain individuals.

 

Financial abuse may include:

• Sudden changes in financial situation or loss of assets;

• Unexplained withdrawals or transfers of money; or

• Unauthorized use of credit cards or forging signatures.

 

Signs of neglect may include:

• Poor hygiene, including soiled clothing or lack of bathing;

• Untreated medical conditions or lack of medication; or

• Malnutrition or dehydration.

 

Taking Action

Stay vigilant. Keep an eye out for any signs of abuse or neglect, especially if your loved one is unable to communicate effectively due to cognitive decline or other health issues.

Listen and believe. If an older adult confides in you about abuse, listen with empathy and take their concerns seriously. Many victims of elder abuse suffer in silence due to fear or shame, and it’s essential to provide them with support and validation.

Report suspected abuse. If you suspect elder abuse, don’t hesitate to report it to the appropriate authorities. Contact adult protective services, local law enforcement, or a trusted elder-abuse hotline for assistance. In Hampden and Hampshire counties, Adult Protective Services is operated by Greater Springfield Senior Services. Contact them at www.gsssi.org/adult-protective-services or call (800) 922-2275.

Seek support. Reach out to organizations and support groups specializing in elder-abuse prevention and intervention. They can provide valuable resources, guidance, and emotional support for both victims and their families.

 

Prevention is Key

Educate yourself. Learn about the warning signs of elder abuse and the resources available in your community to address it effectively.

Establish open communication. Maintain open lines of communication with your loved ones and encourage them to speak up if they experience any form of mistreatment.

Conduct regular check-ins. Schedule regular visits or phone calls with your older relatives to check on their well-being and address any concerns they may have.

Create a supportive environment. Foster a supportive and respectful environment where older adults feel safe and valued, surrounded by caring individuals who prioritize their needs and rights.

 

Conclusion

Recognizing the signs of elder abuse is essential for protecting our older loved ones from harm and ensuring they receive the care and respect they deserve. By staying vigilant, taking action, and promoting prevention efforts, we can work together to combat elder abuse and create a safer and more compassionate society for older adults everywhere.

Let’s stand together to advocate for the rights and dignity of our elders and ensure they live their lives free from abuse and exploitation.

 

Lynn Wolf is Marketing and Development manager at WestMass ElderCare Inc.

Senior Planning

Making the Transition

By Kristen Wampler

 

Transitioning seniors from long-term care facilities to community or residential housing is a significant change that requires careful planning. Early preparation is key to ensuring a smooth process.

Kristen Wampler

Kristen Wampler

Start by understanding the financial implications and coordinating the transport of belongings. It’s essential to recreate a familiar environment for the senior by bringing personal items from their previous living space, helping them feel more at home.

When exploring potential new homes, visit and evaluate various options. Consider not just the overall environment, but also the location, amenities, and available healthcare services. Transitioning from a nursing home may mean losing immediate access to healthcare professionals, so it’s crucial to ensure that medication management and access to doctors are well-coordinated. This requires time, as these services often take a while to establish.

Involving the senior in the entire process is vital. Their preferences and comfort are crucial for a successful transition. Moving can be emotionally challenging, especially for those who have been in long-term care for an extended period. Offer emotional support and reassurance throughout the process to minimize feelings of loss or anxiety.

Establishing new routines and systems in the new space is important, as routines provide stability and comfort. Nursing homes often offer a built-in social network for residents, and maintaining social connections is crucial. Research local community resources, such as senior centers, book clubs, crochet classes, or support groups, to provide social opportunities and combat loneliness and isolation. Monitor the senior’s adjustment and address any concerns promptly.

 

Financial concerns are legitimate, as living independently can be expensive, especially for those on a fixed income. Take the time to research eligibility for public assistance, local nutrition programs, behavioral-health outreach, money-management programs, and other resources. These can help promote opportunities for the senior to live with dignity and independence, achieving the highest possible quality of life.

When transitioning individuals, we typically discuss the following areas with the family, to the degree possible:

Choosing the right housing. Ensure that the new residence meets the senior’s needs.

Support system. Establisha network of family, friends, and caregivers.

Healthcare location and in-home preparation. Coordinate medical services and prepare the home for any necessary accommodations.

Emotional and social support. Provide resources for mental well-being and social engagement.

Financial assistance and support. Explore financial-aid options to manage the cost of independent living.

Family involvement. Keep family members engaged and informed throughout the process.

Legal issues. Address any legal considerations, such as power of attorney and living wills.

For more information, visit bfair.org.

 

Kristen Wampler is vice president of Community Services at BFAIR in North Adams.

Senior Planning

Adult Foster Care

By Anna Randall

As our loved ones get older, ensuring their well-being becomes a top priority. Finding the right balance between independence and care can be challenging for many families. Traditional nursing homes and assisted-living facilities are often considered; however, these options may not always provide the personalized, home-like environment many desire.

This is where Greater Springfield Senior Service’s Adult Foster Care (AFC) comes into play, offering a compassionate and effective alternative for senior living. This program is designed to support individuals who cannot live alone independently due to physical, emotional, or cognitive impairments.

Unlike institutional settings, in AFC, individuals reside in private homes and receive round-the-clock care from dedicated caregivers. This arrangement creates a family-like environment, ensuring participants receive assistance while maintaining a sense of dignity and belonging.

 

Benefits of Adult Foster Care

Personalized attention. One of the primary advantages of AFC is the personalized care and support participants and caregivers receive. Caregivers work with the case management and nursing team to develop a person-centered plan of care to meet daily living needs and achieve the client’s personal goals.

Caregivers receive support and education every month, ensuring the participant’s needs are addressed and they feel supported in their caregiving journey. After-hours support is available for the caregiver and participants. This tailored approach ensures participants get the support they need, making them feel cared for and providing a sense of dignity and safety.

Enhanced quality of life. Living in a nurturing home environment can significantly enhance the quality of life for those needing this level of care. AFC participants benefit from the stability and comfort of a family setting, which can improve their mental and emotional well-being. The AFC team qualifies every home setting to ensure the participant resides in a safe, supportive setting.

Anna Randall

Anna Randall

Caregivers work with the case management and nursing team to develop a person-centered plan of care to meet daily living needs and achieve the client’s personal goals

Monthly tax-free stipend and respite for family caregivers. Caring for an aging loved one can be rewarding and demanding. The program provides a monthly tax-free stipend and valuable respite for family caregivers, allowing them to take a break while knowing their loved one is in capable hands. This support can help prevent caregiver burnout and ensure family members maintain their health and well-being.

• Professional support. Caregivers in the AFC program receive ongoing training and support from healthcare professionals, including registered nurses and highly trained care managers. This ensures that they are well-equipped to handle the complex needs of their participants and can provide high-quality care. Professional oversight helps maintain high standards and addresses any issues promptly.

 

Who Can Benefit from Adult Foster Care?

The AFC program is ideal for those (age 16 or older) who require assistance with daily living activities due to chronic illness, disability, or cognitive impairments such as dementia. To be eligible, individuals must meet specific medical and functional criteria and have a particular type of MassHealth insurance or belong to a Senior Care Options or One Care insurance plan. Private-pay options are also available.

AFC is particularly suitable for those who prefer a more personalized and home-like care setting over traditional institutional care. Family members are eligible to serve as caregivers, except for a spouse.

 

Conclusion

The Greater Springfield Senior Services Inc. Adult Foster Care program offers a unique and compassionate alternative to traditional long-term care options. By providing personalized care in a home-like setting, the program ensures that individuals receive the support they need while enjoying the comfort and stability of a family environment.

Whether you are seeking care for a loved one or considering becoming a caregiver, this program may be a valuable resource. To learn more about this program or others, call (413) 781-8800.

 

Anna Randall is Community Services director at Greater Springfield Senior Services Inc.

Senior Planning

Two Powerful Tools

By Erica Beaudry

 

Healthcare costs continue to rise, leaving many individuals worried about how to manage their medical expenses both now and in the future. Two powerful tools in this regard are health savings accounts (HSAs) and Medicare. Understanding how these tools interact can help you make informed decisions about your healthcare and financial well-being.

Erica Beaudry

Erica Beaudry

If you’re still working and have employer-sponsored health insurance after age 65, you can delay enrolling in Medicare without penalty. Your HSA contributions can continue, but once you do enroll in Medicare, coordination between your HSA and Medicare is important to avoid any issues.

 

What Are the Advantages?

HSAs are tax-advantaged savings accounts that can be used to cover qualified medical expenses. They offer a unique blend of benefits that make them an attractive option for individuals and families.

• Triple tax advantage. One of the standout features of HSAs is their triple tax advantage. Contributions are tax-deductible, meaning you can reduce your taxable income by the amount you contribute. Additionally, the money you contribute grows tax-free, and withdrawals for qualified medical expenses are also tax-free.

• Ownership and portability. Unlike flexible spending accounts, HSAs are not tied to an employer. This means you own the account and can take it with you even if you change jobs or retire.

• Long-term savings. HSAs can be used as a powerful tool for saving for medical expenses in retirement. If you don’t use all the funds in a given year, the money continues to grow and can be tapped into for future healthcare needs.

Eligibility. To open and contribute to an HSA, you must be enrolled in a high deductible health plan, which generally offers lower premiums and higher deductibles compared to traditional health plans.

 

Making the Most of Both HSAs and Medicare

• Pre-Medicare HSA contributions. Consider maximizing your HSA contributions before you switch to Medicare. Once you’re on any part of Medicare, you can no longer contribute to your HSA, but you can still use the funds for qualified medical expenses.

• Medicare premiums and HSAs. You cannot use HSA funds to pay for Medicare Supplement (Medigap) premiums. However, you can use HSA funds to pay for Medicare Parts A, B, C, and D premiums.

• Social Security and Medicare. If you are receiving Social Security benefits, Medicare Part A enrollment is mandatory. When you elect to collect Social Security benefits after age 65, there is a six-month look-back on your contributions, so planning to stop contributions ahead of time can help avoid tax penalties.

In conclusion, HSAs and Medicare are valuable tools for managing healthcare costs and securing your financial future. Understanding how they work individually and together can help you make informed decisions tailored to your unique circumstances. It’s wise to consult with financial advisors and healthcare insurance experts to create a comprehensive plan that ensures you’re prepared for your healthcare needs during your working years and into retirement.

 

Erica Beaudry is owner of EA Financial Solutions and a local, licensed, independent insurance agent with a focus on Medicare.

Senior Planning

Planning for Senior Living

By The Arbors Assisted Living

 

Senior planning presents significant challenges as society ages. Evolving care needs; the quality of care; caregivers’ emotional, physical, and financial burdens; social isolation and loneliness; and healthcare accessibility are all present concerns families face when recognizing a need for change.

While change can be scary, it’s also an inevitable part of life and can lead to many positive outcomes, new opportunities, and fresh perspectives. In regard to senior planning, here are some positive changes you may find in addition to improving the quality of life and overall well-being of your loved one.

 

“There has been a shift toward person-centered care in senior living communities, focusing on individual preferences, needs, and goals. This approach emphasizes dignity, autonomy, and respect for seniors, allowing them to make choices about their daily routines, activities, and care.”

 

Person-centered Care

There has been a shift toward person-centered care in senior living communities, focusing on individual preferences, needs, and goals. This approach emphasizes dignity, autonomy, and respect for seniors, allowing them to make choices about their daily routines, activities, and care.

 

Increased Focus on Wellness

Many senior living communities now offer comprehensive wellness programs designed to promote physical, emotional, and social well-being. These programs may include fitness classes, recreational activities, educational seminars, and mental-health support services.

 

Age-friendly Design

Senior living communities are incorporating age-friendly design principles to create environments that are accessible, comfortable, and supportive of older adults’ needs. This includes features such as wheelchair ramps, grab bars, non-slip flooring, and well-lit common areas.

 

Community Engagement

There is a growing emphasis on fostering community engagement and social connections among residents in senior living settings. Communities offer social events, group outings, volunteer opportunities, and intergenerational programs to combat social isolation and loneliness.

 

Flexible Living Options

Senior living options have become more diverse and flexible to accommodate varying preferences and care needs. In addition to traditional assisted living and nursing home facilities, there are now more options for independent living, continuing-care retirement communities, and aging in place with home care support.

 

Culinary Excellence

Senior living communities are elevating their dining experiences by offering restaurant-style dining, diverse menus, and nutritious meal options tailored to seniors’ dietary preferences and health needs.

 

Emphasis on Lifelong Learning

Senior living communities are providing opportunities for lifelong learning and personal enrichment through educational classes, workshops, and cultural activities. These programs help seniors stay mentally stimulated, engaged, and connected to their interests and passions.

 

Family Involvement and Support

Senior living facilities are recognizing the importance of involving families in the care and decision-making process. They may offer family support services, communication channels, and family-engagement activities to foster collaboration and support among residents and their loved ones.

 

Advancements in Memory Care

For seniors living with Alzheimer’s disease and other forms of dementia, there have been advancements in memory-care programs, and specialized services. These programs focus on providing personalized care, sensory stimulation, and meaningful activities to enhance quality of life and preserve cognitive function.

 

A Challenging Transition

Many families struggle with navigating this type of change with their loved ones. While we recognize the benefits and importance of senior planning, it’s important to understand that the seniors in our lives come from a different generation and may not fully grasp how much the industry has evolved. Initiating a conversation can be the most challenging aspect. However, when explaining the need for change to a senior, it’s crucial to approach the discussion with empathy, respect, and clarity. Here’s how you might do so:

• Acknowledge feelings. Start by acknowledging any concerns or fears the senior may have about the proposed change. Let them know that it’s normal to feel apprehensive about new things, but change can also bring positive opportunities and improvements.

• Highlight benefits. Explain the reasons behind the proposed change and the potential benefits it could bring. For example, if you’re discussing a move to a senior living community, you might highlight the social opportunities, amenities, and support services available that could enhance their quality of life.

Address specific concerns. Listen attentively to the senior’s concerns and address them one by one. Offer reassurance and practical solutions to alleviate any worries they may have. For instance, if they’re concerned about losing independence, you could discuss how the new arrangement will still allow them to make decisions and maintain control over their life.

Focus on needs and preferences. Emphasize how the proposed change aligns with the senior’s needs, preferences, and goals. Help them see how it could better meet their current and future needs, whether it’s improved safety, access to healthcare, or opportunities for socialization.

• Involve them in decision making. Involve the senior in the decision-making process and respect their autonomy. Encourage them to share their thoughts, preferences, and concerns, and consider their input when making plans for change. This can help them feel more empowered and in control of the situation.

• Provide support. Offer practical support and assistance throughout the transition process. This could include helping with logistics such as packing, moving, and settling into a new environment, as well as emotional support to help them adjust to the changes.

• Highlight past successes. Remind the senior of times when they successfully navigated change in the past. Reflecting on past experiences of resilience and adaptability can help boost their confidence and willingness to embrace new challenges.

• Offer time and patience. Give the senior time to process the information and adjust to the idea of change. Be patient and supportive, and avoid pressuring them to make decisions before they’re ready. Let them know that you’re there to support them every step of the way.

• Stay positive and encouraging. Maintain a positive and encouraging attitude throughout the conversation. Focus on the potential opportunities and improvements that the change could bring, and express confidence in the senior’s ability to adapt and thrive in the new situation.

• Follow up and check in. After the change has been implemented, continue to check in regularly with your loved one to see how they’re adjusting and address any ongoing concerns or challenges. Offer ongoing support and encouragement as needed to help them navigate the transition successfully.

 

Bottom Line

By approaching the conversation with empathy, understanding, and support, you can help your loved one feel more comfortable and confident about embracing change and navigating new opportunities in the senior years of their life.

We genuinely believe that embracing change during your loved one’s golden years can be positive. As a family member, you’ll find comfort in knowing they’re receiving excellent care and enjoying a fulfilling experience.

Senior Planning

Distributing Tangible Personal Property Can Cause Conflict

By Hyman G. Darling, Esq.

 

Very often in preparing an estate plan, issues arise over the tangible personal property, also known as ‘the stuff.’ This may include cars, collectibles, the dining-room furniture, Waterford china, and basically any other item in a house that is not attached to the walls. These tangible personal property items are often dealt with separately from other assets, such as stocks, bonds, real estate, cash, etc.

Unfortunately, when the client has not provided enough detail in listing the distribution of assets, the tangible property becomes a major issue. Arguments may ensue, and often, the family brings the case to litigation to argue about all these items. In some cases, the family has significant assets to be distributed, but these tangible items become contentious and cause the estate to be litigated and prolonged.

Hyman G. Darling

Hyman G. Darling

“Arguments may ensue, and often, the family brings the case to litigation to argue about all these items.”

There are several ways in which this matter may be resolved, but the clients need to take the time to prepare properly for the distribution. The first way would be to have a complete listing of the items that may have either sentimental value or material value. The client can either list these items in the will, in which case they may have to be probated, or in other cases, the client can sign a memorandum.

The memorandum is fairly new in Massachusetts, as determined in the Uniform Probate Code, which was enacted in 2013. A client may now make a listing of assets and the individuals to receive the assets, which may be memorialized in writing and signed by the client, and then merely referred to in the will. In this manner, if the client desires to change the memorandum, they may merely write up a new memorandum and have it signed and dated and placed with the will, as opposed to having the entire will rewritten.

It is very important in this memorandum to be clear about what items are listed. For example, a mention of a ring or a watch may not be clear enough; perhaps the ring should be listed as the engagement ring with two small diamonds, and the watch could be listed as the Timex watch with rhinestones.

If there are items that are to be identified more clearly, they also should be listed, so that a painting or picture should state the setting or picture, as well as where it may have been hanging in the house, such as in the den above the piano.

Some clients have made lists and put stickers on the back of items or underneath them with identifying colors such as a yellow sticker for daughter Susie, a white sticker for son John, and green stickers for all the grandchildren. This is acceptable so long as the stickers are still on the items at the time of the client’s death and if someone doesn’t get to the items and move the stickers to different items.

In cases where the client was not clear, there are several alternatives to litigation. The first would be to have all parties make a list of the items that are important to them and then allocate an item to each person from their lists, taking turns between the beneficiaries. In some cases, clients have had to draw straws in determining who makes the first selection. Once they are finished choosing all of the items, they can then do their own ‘horse trading’ between themselves, but at least some of the beneficiaries will receive some of the items they want.

If this does not work, it may be necessary to gather the lists of the desired items by the family and engage the services of a mediator to attempt to resolve the differences. The problem then becomes whether the items are more valuable in terms of material value or sentimental value. If the sentimental value isn’t as great as the material value, then a client might decide to choose a larger, more valuable item and hope to trade it later for the more sentimental item.

If the resolution is not able to be made voluntarily, then an inventory of all items will have to be filed with the court, and perhaps an appraiser or two will have to be hired by the estate to value all the items. Some items without much value may be included in a ‘lot,’ which will be valued as a commingling of these items and valued as such.

Once these are all valued and listed on the inventory, one party might have to petition the probate court to determine the proposed distribution of these items, which is unfortunate, as they will be utilizing valuable court time merely to divide the tangible items. The court has the discretion to appoint a master, who will be an experienced lawyer, to hold the hearing at the expense of the estate, and then each party will also be paying their own lawyer to argue over who will receive what items.

In many cases, when this matter is over and resolved, none of the parties are pleased with the result, which means it was probably a fair and equitable decision.

Very often, clients are convinced that the children will have no problem distributing the assets and dividing the items; the client will merely state that nobody will want anything, as they have their own items. This is not always the situation; when a person passes away, not only do the children have a say in what will be distributed, but their spouses may wish to intervene and strongly suggest what their spouse should take. It is usually helpful to keep these in-laws (often called out-laws) out of the decision-making process, as this only causes more people to be involved and greater dissent between the parties.

When completing your own estate plan, consider the potential use of the memorandum with specific detail for the items you wish to distributed. Be careful in considering and discussing these issues with the children since, if you ask them all what they want and they all state that they want the same items, you will then be faced with the decision of having to tell some of them they will not be getting certain items. This can easily cause conflict, and family dinners and holiday occasions may prove to be less than pleasant.

 

Hyman G. Darling is a shareholder and the head of the probate/estates team at Bacon Wilson; (413) 781-0560; [email protected]

Senior Planning

Ten Tips on How to Approach a Difficult Topic

 

By the AARP Foundation

 

The reality is that some conversations are just plain difficult — even with the people to whom you feel the closest. When preparing to discuss a difficult topic like senior care needs, it helps to follow the ground rules below to ensure that everyone’s feelings are respected and viewpoints are heard. To help make the conversation as productive and positive as possible:

 

1. Try not to approach the conversation with preconceived ideas about what your loved ones might say or how they might react. “Dad, I just wanted to have a talk about what you want. Let’s just start with what is important to you.”

 

2. Approach the conversation with an attitude of listening, not telling. “Dad, have you thought about what you want to do if you needed more help?” — as opposed to “we really need to talk about a plan if you get sick.”

 

3. Make references to yourself and your own thoughts about what you want for the future. Let them know they are not alone, that everyone will have to make these decisions. “Look, I know this isn’t fun to think about or talk about, but I really want to know what’s important to you. I’m going to do the same thing for myself.”

 

4. Be very straightforward with the facts. Do not hide negative information, but also be sure to acknowledge and build on family strengths. “As time goes on, it might be difficult to stay in this house because of all the stairs, but you have other options. Let’s talk about what those might be.”

 

 

5. Phrase your concerns as questions, letting your loved ones draw conclusions and make the choices. “Mom, do you think you might want a hand with some of the housekeeping or shopping?”

 

6. Give your loved ones room to get angry or upset, but address these feelings calmly. “I understand all this is really hard to talk about. It is upsetting for me, too. But it’s important for all of us to discuss.”

 

7. Leave the conversation open. It’s OK to continue the conversation at another time. “Dad, it’s OK if we talk about this more later. I just wanted you to start thinking about how you would handle some of these things.”

 

 

8. Make sure everyone is heard — especially those family members who might be afraid to tell you what they think. “Susan, I know this is really hard for you. What do you think about what we are suggesting?”

 

9. End the conversation on a positive note. “This is a hard conversation for both of us, but I really appreciate you having it.”

 

10. Plan something relaxing or fun after the conversation to remind everyone why you enjoy being a family. Go out to dinner, attend services together, or watch a favorite TV program.

These are just a few suggestions of things you, your loved ones, and other family members can do to unwind after a difficult conversation.

Senior Planning Special Coverage Special Publications

Inside This Year’s Planner

When BusinessWest and the Healthcare News first started publishing an annual Senior Planning Guide, the idea wasn’t to create a roadmap to the end of life, though it could, in some sense, be described as such.

The goal is to make sure you get your plans in order — from where you or your loved ones will live to how finances will be distributed — so you don’t have to worry so much, and instead enjoy the senior years to the fullest, or to help your aging parents enjoy them.

After all, the retirement years should be an enjoyable time, highlighted by special moments with family and friends, the freedom to engage in a range of activities, maybe even a chance to develop new interests and hobbies.

But to make the most of that time, proper planning — estate planning, financial planning, plans for care — is critically important. According to the U.S. Census Bureau, the number of Americans age 65 and older — which was 35 million in 2000, just 12% of the population — will reach 73 million by 2030, or 21% of U.S. residents. That’s a lot of people. And a lot of planning. And a lot of living left to enjoy.

Achieving your goals — and your desires for your loved ones — requires careful thought, and that’s where our annual Senior Planning Guide, presented by UMassFive Financial & Investment Services, comes in. So let’s sort through some of the confusion and get those conversations — and the rest of your life — started.

View this  year’s digital Senior Planning Guide HERE

Wellness for Life

Sharing a Life

Journaling Is a Therapeutic Exercise — for All Those Involved

Savvy Seniors Freeze It

Nutrition-minded Older Adults Should Heed These Tips

The Emotional Bank Account

How Seniors Can Maintain Mental Wellness

A Whole Year of Fun

Older Adults Have Plenty of Ways to Stay Physically Active

Estate & Financial Planning

Estate Planning: An Introduction

Goals, Strategies Can Vary with Each Stage of Life

Creating an Estate Plan

The Process Begins by Understanding the Key Documents

Decisions, Decisions

How to Choose a Medicare Plan

Preparing a Will

It Can Be a Dreaded Task, but It’s an Important One

A Task Better Left to a Professional

Being in Charge of an Estate Can Be Unsettling for All Involved

Roadblocks to Equality

LGBTQ+ Elders Face Unique Planning Challenges

Let’s Not Fight over This Stuff

Distributing Tangible Personal Property Can Cause Conflict

Caregivers & Adult Children

A Gentle Reminder

Don’t Lose Yourself in Caring for Others

Reading the Signs

Six Indications It Might Be Time for Memory Care

Having the Talk

Ten Tips on How to Approach a Difficult Topic

Four Steps to Emotional Wellness

Caregivers Must Understand the Importance of Self-care

It’s Not About Dying

How Hospice Care Supports the End-of life Journey

Senior Resources

Senior Planning

Journaling Is a Therapeutic Exercise for All Involved

Liz Berezin, who recently completed a journal for John Scalia

Liz Berezin, who recently completed a journal for John Scalia, described the experience as one that was rewarding on many levels.

Lisa Berezin acknowledged she was moving out of her comfort zone.

“Completely out of my comfort zone,” actually.

Indeed, she had never done anything remotely like the assignment she agreed to take on. But when her good friend, Susan Jaye Kaplan, asks for help with something, it is her policy to say ‘yes.’

In this case, she was agreeing to a request to create a journal chronicling the life and times of one of the residents at Ruth’s House, an assisted-living facility in Longmeadow. For Berezin, who earned a degree in elementary education before segueing into business, and someone who had volunteered mostly with young people, this was a going to be an exercise in learning while doing, but she was willing and able.

So was John Scalia, a 64-year-old resident whose life has been dominated by four passions — his family, his friends, his love of music (especially doo-wop), and an obsession with the New York Yankees. Family comes first; after that, it’s a toss-up between the other three.

The journal makes that clear.

While Berezin fashioned a cloth cover for Scalia’s journal, one dominated by Yankees logos and pennants, his large family is arguably the focal point of this document. It is dedicated to his mother, Lucy; father, Joseph Sr.; brother, Joseph; and sister-in-law, Michelle with a note expressing that he wouldn’t be where he is today without them.

“The process itself works different parts of the brain — the memory part and the creative part can be very healing if you have any conflicts or things you need to resolve as you’re speaking them out, working them out … it can be very healing in that way.”

Capturing passions and letting others know all the many moments and memories that go into a life is just one of the broad goals behind journaling and this particular project, said Kaplan, known to many in this region as the founder of the nonprofits Go FIT and Link to Libraries.

Others include a desire to have the subjects of these documents open up to people, exercise their memory, and simply talk about what is important to them.

Berezin agreed.

“The process itself works different parts of the brain — the memory part and the creative part can be very healing if you have any conflicts or things you need to resolve as you’re speaking them out, working them out … it can be very healing in that way,” she said. “John was very excited to share his memories, and I think he was so happy to be part of this project and have someone who really and truly cared and listened, and asked questions back. And what made John happy was so contagious for me; John’s like a happy pill for me.”

As for John, he said this was a fun experience, one in which Berezin’s questions, and prompting, brought back many great memories and made him even more appreciative of all that he’s been able to experience. “She asked all the right questions, and I tried to answer as best I could,” he said, noting that he moved to Ruth’s House with his mother several years ago and helped take of her until she died shortly after they arrived there.

Kaplan’s husband, Steve, is a resident of Ruth’s House, now four years into a courageous battle against brain cancer. And it was while creating a journal for Steve — an eye-opening experience on many levels, she said — that she decided that more people should be sharing in the process of creating these living documents — and enjoying the final product.

Susan Jaye Kaplan, left, and Delia Jones

Susan Jaye Kaplan, left, and Delia Jones say the journaling project at Ruth’s House has been a learning experience for all those involved.

So she put out a call for volunteers on Facebook, and eventually saw more than a half-dozen area residents, including Berezin, sign up to be part of this initiative.

Most of the journals are still works in progress, she said, adding that the work to compile them is as important as the final document.

It is here where the resident and the volunteer meet several times over the course of a few months to talk, learn about each other, and, most importantly, forge a friendship, said Delila Jones, Life Enrichment director at Ruth’s House, adding that, in a word, journaling is therapeutic for all those involved.

“Journaling is about voicing yourself — your identity, your mind, your heart — and just giving it a voice,” she explained. “Journaling is bringing it out of your mind and putting it down on paper.”

Berezin agreed, noting that, because of the journaling project, she has made a friend in John, and has also become committed to Ruth’s House and its patients. Indeed, she now volunteers for Wednesday trivia and other programs, and volunteered her husband, Mark, a pianist, to play on Fridays at the facility. And he, in turn, volunteered Lisa to lead a sing-along.

That’s one example of how journaling has not only enabled someone to become involved in telling a life’s story, but become more involved in the lives of others in general.

And that’s a big part of what this project is all about.

 

Pride in the Yankees

As she put her journal of Scalia’s life together, Berezin used words, pictures, and even some numbers, such as $12.6 million.

That’s the amount a 1952 Mickey Mantle baseball card fetched at an auction several years ago, making the card the most valuable sports collectible in the world.

Mantle has always been one of Scalia’s favorite Yankee players, as is the case with many who grew up when he did. Others include Reggie Jackson, Thurman Munson, Don Mattingly, and, more recently, Aaron Judge.

These insights are a few of the many references to the Yankees in this journal. Others include everything from Scalia’s bobblehead collection to his recollections of five-time Yankee manager Billy Martin, to memories of visits to both the old and new Yankee Stadiums.

“He’s the biggest Yankees fan you’ll ever meet,” Berezin told BusinessWest. “He can tell you what positions people played, what years, who their managers were … and on and on.”

These many and different references to the Bronx Bombers help explain how the journaling exercise yields what could be called the ‘essence’ of a person, said Berezin, adding that what came through with Scalia were both general themes — family, the Yankees, and doo-wop — and small bits of information that, together, tell a story.

In Scalia’s case, these small but significant bits include the fact that he worked at Stop & Shop in Enfield for 40 years — and wasn’t particularly thrilled with the company when it didn’t recognize his four decades of service. And the fact that he met Whitey Ford at the store one day — the Yankee legend pulled up in a limo — and got his autograph.

They also include his fondness for Mel’s Diner in Naples, Fla. and its barbecue ribs, as well as the long list of TV shows he has enjoyed over the decades, from Leave It to Beaver to the original Charlie’s Angels (yes, he had that iconic Farrah Fawcett poster on the wall in his bedroom when he was young), to a slew of cop shows including Columbo, Kojak, and Police Woman.

They also include memories of his grandmother, who would pick grapes off the vine and grind them up to make wine, and his mother, who would discipline him by saying simply, “wait ’til your father gets home.”

Summoning such memories — and Scalia has many of them, not just of his mother and grandmother, but also his Uncle Tony, a restaurant owner, and his Aunt Louise and Aunt Ann — is why journaling is such good therapy for those taking part in this exercise, Jones said.

“It’s important for the senior to participate in this because it’s giving them a voice — the opportunity to share who they are, their situation, what they grew up with … sharing their life,” she said. “For the person who facilitates this … they’re giving us access to another world, another perspective, another vision. It’s like reading a book; it’s like listening to another life and gaining a perspective that’s not yours, and that’s a privilege, because humans need to see beyond themselves, and this provides that opportunity.”

Kaplan agreed. She said she created a journal for a Ruth’s House resident more than 20 years ago, an experience that opened her eyes to the importance, and value, of such an experience.

“I didn’t know the resident very well; I just knew the family,” she recalled. “The family was on vacation. I brought a notebook with me and started asking some simple questions, and it opened a flood of memories, everything from where she grew up as a child to who her siblings were and what she remembered about growing up with them.

“I was amazed; she had beautiful stories to share — some happy, some not so happy,” Kaplan went on. “And she was willing to open up to me, a virtual stranger. She was so delighted to share a little about herself, and I found it was a win-win for me as well because I gained a wealth of knowledge about so many things and learned about this remarkable woman.”

Rob Whitten, president of JGS Lifecare, said this journaling project has yielded learning experiences on many levels.

“This is a program that opens people up and allows them to make connections that they otherwise might not have made,” he told BusinessWest. “JGS Lifecare has always had a strong track record for volunteer engagement, and this is just another example of this; it’s a wonderful program that is really by volunteers and family members … and it connects people together.”

 

The Last Word

Berezin said she received a wonderful and very sincere thank-you note from Scalia’s family after she presented him — and them — with the journal.

She was touched by the gesture, quickly adding that, in many ways, she should be sending one to them as well. That’s because, while this experience, this document, is beneficial for him and his family, it has been beneficial to her as well. It has given her insight into not just one life, but many, and a new appreciation for all the things that make a life special.

As she said, the best part is that she made a good friend in the process.

That’s what journaling is all about.

Senior Planning

Nutrition-minded Older Adults Should Heed These Tips

By Kimberly DaSilva with Carrie Taylor and Andrea Luttrell

 

Your nutritional needs change throughout your lifetime. Some physical changes may impact appetite, senses, and fluctuations in your digestive system. These changes may be due to aging, decreased physical activity, or in conjunction with prescriptive medication suppressing your appetite.

Having a decreased appetite may impact your intake of calories, essential vitamins, minerals, and proteins needed to maintain muscle mass and prevent unintentional weight loss. When it comes to appetite, decreased senses of smell and taste can also affect the enjoyment of your food’s flavor and aroma. For digestion, your gastrointestinal tract could become less mobile and more rigid — leading to issues including constipation, stomach pain, and nausea.

“Produce that freezes well includes tomatoes, corn, carrots, peppers, zucchini, and berries. High-water-content foods such as melons, cucumbers, lettuce, and eggplant should stay clear of the freezer.”

To overcome any decrease in taste and smell, get creative. Cook with spices; herbs; aromatic vegetables like celery, onion, garlic, and shallots; and savory sauces to engage your taste buds. Select higher-quality food; cook seasonal fruits and vegetables so they have a softer mouth feel in recipes like soups, stews, and casseroles; drink plenty of water; and reduce stomach irritants, such as alcohol, to overcome physical changes as well.

As you age, your nutrition may be affected by your social and financial situation versus physical. For example, your social circle may become smaller due to the loss of a spouse, family members, and friends. Living alone and cooking for one while eating on a fixed income can present challenges for some as well.

Not all is lost! Below are some tips when cooking for one on a budget.

Six Nutritional Tips for Older Adults

Older adults have unique nutritional needs.

Simple adjustments can go a long way toward building a healthier eating pattern. Follow these tips from the National Institute on Aging to get the most out of foods and beverages while meeting your nutrient needs and reducing the risk of disease.

• Enjoy a variety of foods from each food group to help reduce the risk of developing diseases such as high blood pressure, diabetes, and heart disease. Choose foods with little to no added sugar, saturated fats, and sodium.

• To get enough protein throughout the day and maintain muscle, try adding seafood, dairy, or fortified soy products, along with beans, peas, and lentils, to your meals.

• Add sliced or chopped fruits and vegetables to meals and snacks. Look for pre-cut varieties if slicing and chopping are a challenge for you.

• Try foods fortified with vitamin B12, such as some cereals, or talk to your doctor about taking a B12 supplement.

• Reduce sodium intake by seasoning foods with herbs and citrus such as lemon juice.

• Drink plenty of water throughout the day to help stay hydrated and aid in the digestion of food and absorption of nutrients. Avoid sugary drinks.

Tip 1: Be a savvy shopper. Get the most out of your food budget and purchase meats and shelf-stable foods when they are on sale. And stock up on fruits and vegetables when they are in season.

Tip 2: Be an organized shopper. Plan meals in advance and create a shopping list from your menu. Buy store brands for the same quality items at a lower cost.

Tip 3: Freeze your meals. When cooking for one, a great option is to cook and freeze meals. To do this, make multiple servings versus just one. Divide quantities into individually sized portions and freeze for future ready-made meals. Planning portions also prevents waste and can save you money.

 

Freezing Inspiration

With cooler weather around the corner, plan for hearty soups, stocks, and quick casseroles. For example, take advantage of less-expensive seasonal fruits and vegetables and preserve their fresh-picked flavor by freezing them.

Why freeze? Freezing temperatures stop the growth of microorganisms while slowing the chemical reactions that break down food and reduce its quality. This makes freezing food perfect for enjoying the taste of summer for seasons to come!

Produce that freezes well includes tomatoes, corn, carrots, peppers, zucchini, and berries. High-water-content foods such as melons, cucumbers, lettuce, and eggplant should stay clear of the freezer. Avoid discoloration of fruits such as peaches, apples, pears, and apricots by tossing with lemon juice prior to freezing.

For the best flavor and texture, use ripe, non-bruised produce free of nicks. Most raw fruit freeze just fine without blanching.

 

Tips for Freezing

• Rinse and cut produce into the desired size.

• Blanch vegetables before freezing. Drop vegetables in boiling water for one to two minutes, then immediately transfer to an ice bath and chill completely to help stop the cooking process. Drain and pat dry.

• Place fruit or vegetables in a single layer on a sheet pan lined with wax or parchment paper. Place in the freezer until the produce is frozen solid.

• Once frozen, pack into whichever freezer-safe container you prefer — a freezer-safe food-storage bag, a plastic container with an airtight lid, plastic wrap, or aluminum foil. Avoid glass, as it can shatter and cause your food to become unsafe to eat.

• Leave only a half-inch to one-inch space at the top of containers. Reducing food’s contact with air will prevent ‘off’ flavors or freezer burn.

• Store sauces and soups in freezer-safe food-storage bags and lay flat on shelves to save space.

 

Tips for Storage

• Practice food safety when cooling leftovers. Cool to room temperature for no more than two hours, or one hour for hot summer conditions above 90 degrees Fahrenheit, to avoid the risk of a foodborne illness. Putting hot food directly into the freezer creates condensation on the food, which can lead to freezer burn while possibly raising the temperature of the refrigerator. Although freezer-burned food may have off flavors, it will not cause you harm.

• Label foods with prepared, frozen, and use-by dates. Soups and stews with meat can be frozen for up to two to three months. Leftover meals can be frozen for two to six months, and fruits and vegetables can be frozen for up to one year.

 

Tips for Thawing

• Determine the quality of food after thawing. First, check odor, as some foods will develop a rancid or off odor when frozen too long. Discard such items. (Note: although some items may not look picture-perfect when frozen, they work exceptionally well in soups, stews, casseroles, and sauces.)

• Never defrost foods at room temperature. Use these three safe ways to defrost food: in a refrigerator running at 40 degrees Fahrenheit or lower, in the microwave, or under cold running water. (Note: for foods thawed in the microwave or by running cold water, cook immediately after thawing.)

 

Tips for Use

• Enjoy frozen fruit as is, without cooking, for smoothies, flavoring plain yogurt, adding to sautés, and baking recipes.

• Vegetables can be cooked while still frozen and/or after thawing.

• Raw meat and casseroles can be cooked, or reheated, from the frozen state.

• Always reheat and/or cook foods to their recommended internal temperature, as verified with an instant-read food thermometer.

As you can see, any challenges that impact nutrition as you age can be minimized by incorporating a few new practices into your normal routine. Preserving nutrients and flavor of seasonal produce and your favorite recipes by freezing is a great way to control your food budget as well. Happy freezing!

 

Kimberly DaSilva is dietetic intern with Be Well Solutions. Carrie Taylor, RDN, LDN, RYT and Andrea Luttrell, RDN, LDN are registered dietitians with Big Y.

Senior Planning

How Seniors Can Maintain Mental Wellness

By Behavioral Health Network

 

How can people continue to support their mental health and find ways to engage in life as they age? Leona LaFleur, a behavioral-health clinician and mental-health consultant for elder services at Behavioral Health Network, has been finding those answers through the people she works with.

Their wealth of life experience is key, she says. “I am constantly learning from my clients. They have a good degree of resilience, and so I try to help them identify what their strengths are.”

Leona LaFleur

Leona LaFleur

“A lot of people have this idea that we have to make huge changes in order to feel some success, and that’s not really necessary. We can experience success from small changes.”

According to LaFleur, there are four pillars of mental wellness for seniors: sleep, nutrition, exercise, and social connection. The latter of these is of the utmost importance, as recently referenced in an advisory by the U.S. surgeon general.

As we get older and our bodies age, maintaining a sense of control can be difficult, and choosing the people you allow to be in your life and influence you helps maintain that sense of control. Not only that, but the COVID-19 pandemic and forced isolation was tough on many people’s connections, and many are still reeling from those impacts today.

LaFleur advises seniors and their loved ones to assess how well these pillars are being addressed and where they might need to make a change. It is important to normalize what they are going through, recognize where they may be stuck, and then identify what small things can be done to make progress.

“A lot of people have this idea that we have to make huge changes in order to feel some success, and that’s not really necessary,” she said. “We can experience success from small changes.”

For example, if there is a need for more physical activity, she might recommend connecting with a friend who does yoga. Sometimes the change is as simple as getting out of bed, which can be difficult for some seniors due to their physical limitations. It is important to note that, in many cases, the elderly are not disconnected in life because they are depressed, necessarily, but because it is physically difficult for them to actively engage in their life.

Breaking things down into small components helps with anxiety and decision fatigue as well. Because of the abundance of information in the world today, people can be easily overwhelmed. Simplifying things is important to identify where the challenges are and where improvement can happen. LaFleur notes that “I try to break things down and recognize the individual, and try to get them to identify what they need.”

She also recommends considering mental healthcare like an ‘emotional bank account.’ Determine what actions can you take — whether relaxing, socializing, or otherwise — to put ‘money’ in the bank and increase your reserves for managing stress. With more reserves in your emotional bank account, you are better able to manage difficult situations that you encounter.

Deposits are different for each person and situation. For example, social actions are not always a deposit; time spent with family can come with difficult history and thus can increase stress. It is important to give yourself credit for the things you do, especially the little things, because they all contribute to your self-worth and overall well-being.

Senior Planning

Older Adults Have Plenty of Ways to Stay Physically Active

By the National Institute on Aging

There are lots of fun and simple ways to build exercise into your daily routine. It’s easy to come up with ideas for activities to do with your family and ways to stay active in all four seasons.

 

Spending Time with the Family

Being physically active with your family is a great way to stay healthy and make exercise fun. Whether you play team sports with the entire family or take brisk walks with your spouse, child, or grandchild, you’ll be rewarded with improved health and time spent together. Here are a few activity ideas for you to do with your grandchildren:

Infants and toddlers:

• Take them for walks in the stroller and rides on your bike. Don’t forget your helmets.

• Play games that get your bodies moving, like wheels on the bus, pretend we’re animals, and hide and seek.

• Sign up for baby yoga or exercise classes.

• Try baby-friendly swimming classes.

School-aged children:

• Walk to the park and push their swing.

• Jump rope together.

• Build a fort — indoors or out.

• Play catch, kickball, basketball, or soccer.

• Go swimming or biking together.

• Play a video fitness game together and see who wins.

Teens and young adults:

• Participate in activities that interest them. Try hiking, skating, or tennis.

• Go golfing or swimming. Invite them to join you in physical activities that require two people, such as tennis or ping pong.

• Ask them to help you in the garden or with heavy-duty household chores.

 

Be Physically Active Without Spending a Dime

You don’t need to spend a fortune to be physically active. In fact, you can be active in many ways without spending any money. You don’t need special exercise equipment other than comfortable walking shoes. Here are a few ideas to help get you moving for free:

• Make your own weights from household items such as soup cans or bottles of water.

• Try out free demonstration exercises classes at your local senior center or fitness center.

• Go for a hike in a park.

• Participate in community-sponsored fun runs or walks.

• Yard work such as raking, digging, and planting can keep you active.

• Make sure to drink water or juice after exercise.

 

Find Ways to Stay Active in All Four Seasons

Being creative about your physical activity plans and trying new forms of exercise can keep you motivated by preventing boredom. A change in seasons is an excellent time to be creative about your exercise routine and try something new. There are many ways to be active throughout the year.

 

Winter:

• When your grandchildren visit, head outside to build a snowman together or go ice skating.

• Cold outdoor temperatures are an excellent reason to join a mall-walking group.

• Start the new year by trying out a fitness center — many offer New Year’s resolution specials.

• Give your heart a Valentine’s Day gift with dance lessons, such as salsa, tango, or belly dancing.

 

Spring:

• As the temperatures start to get warm, get your garden ready for spring and summer. The lifting and bending you do when gardening are great for strength and flexibility.

• A bike ride is a great way to enjoy the warmer temperatures.

• Anything can be fun with upbeat music, including spring cleaning.

• Build your endurance and strength with a bike ride during National Bike Month (May). Remember your helmet.

 

Summer:

• Swim laps or take a water-aerobics class. These are both refreshing once the weather gets steamy.

• Walking in the mall is a cool way to beat the heat.

• Now that the grandchildren are out of school for the summer, ask them to teach you their favorite sport or physical activity.

• Celebrate National Bowling Week the first week in August. Get friends and family together and challenge each other to a friendly tournament.

 

Fall:

• If you’ve heard about the benefits of yoga but haven’t tried it yet, National Yoga Awareness Month (September) is a great time to find special events and trial classes for beginners.

• As the weather begins to cool, join an indoor sports league, such as basketball, handball, or bowling.

• Fall provides great opportunities for physical activity. You can take long walks to see the beautiful fall colors. Once the leaves have fallen, raking is good exercise.

• If you have holiday shopping to do, walk the entire mall each time you’re there.

Senior Planning

Goals, Strategies Can Vary with Each Stage of Life

By UMassFive Financial & Investment Services

 

By definition, estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death, according to your goals and objectives. But what estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate-planning needs.

“Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate-planning needs.”

For example, you may have a small estate and may be concerned only that certain people receive particular things. A simple will is probably all you’ll need. Or you may have a large estate, and minimizing any potential estate-tax impact is your foremost goal. Here, you’ll need to use more sophisticated techniques in your estate plan, such as a trust.

To help you understand what estate planning means to you, the following sections address some estate-planning needs that are common among some very broad groups of individuals. Think of these suggestions as simply a point in the right direction, and then seek professional advice to implement the right plan for you.

 

Over 18

Since incapacity can strike anyone at any time, all adults over 18 should consider having:

• A durable power of attorney: This document lets you name someone to manage your property for you in case you become incapacitated and cannot do so; and

• An advance medical directive: The three main types of advance medical directives are a living will, a durable power of attorney for healthcare (also known as a healthcare proxy), and a do-not-resuscitate order. Be aware that not all states allow each kind of medical directive, so make sure you execute one that will be effective for you.

 

Young and Single

If you’re young and single, you may not need much estate planning. But if you have some material possessions, you should at least write a will. If you don’t, the wealth you leave behind if you die will likely go to your parents, and that might not be what you want. A will lets you leave your possessions to anyone you choose (e.g., your significant other, siblings, other relatives, or favorite charity).

 

Unmarried Couples

You’ve committed to a life partner but aren’t legally married. For you, a will is essential if you want your property to pass to your partner at your death. Without a will, state law directs that only your closest relatives will inherit your property, and your partner may get nothing. If you share certain property, such as a house or car, you may consider owning the property as joint tenants with rights of survivorship. That way, when one of you dies, the jointly held property will pass to the surviving partner automatically.

 

Married Couples

For many years, married couples had to do careful estate planning, such as the creation of a credit shelter trust, in order to take advantage of their combined federal estate-tax exclusions. For decedents dying in 2011 and later years, the executor of a deceased spouse’s estate can transfer any unused estate-tax exclusion amount to the surviving spouse without such planning.

You may be inclined to rely on these portability rules for estate-tax avoidance, using outright bequests to your spouse instead of traditional trust planning. However, portability should not be relied upon solely for utilization of the first to die’s estate-tax exclusion, and a credit-shelter trust created at the first spouse’s death may still be advantageous for several reasons:

• Portability may be lost if the surviving spouse remarries and is later widowed again;

• The trust can protect any appreciation of assets from estate tax at the second spouse’s death;

• The trust can provide protection of assets from the reach of the surviving spouse’s creditors; and

• Portability does not apply to the generation-skipping transfer (GST) tax, so the trust may be needed to fully leverage the GST exemptions of both spouses.

Married couples where one spouse is not a U.S. citizen have special planning concerns. The marital deduction is not allowed if the recipient spouse is a non-citizen spouse (but a $164,000 annual exclusion for 2022 is allowed). If certain requirements are met, however, a transfer to a qualified domestic trust will qualify for the marital deduction.

 

Married with Children

If you’re married and have children, you and your spouse should each have your own will. For you, wills are vital because you can name a guardian for your minor children in case both of you die simultaneously. If you fail to name a guardian in your will, a court may appoint someone you might not have chosen. Furthermore, without a will, some states dictate that, at your death, some of your property goes to your children and not to your spouse. If minor children inherit directly, the surviving parent will need court permission to manage the money for them.

You may also want to consult an attorney about establishing a trust to manage your children’s assets in the event that both you and your spouse die at the same time.

You may also need life insurance. Your surviving spouse may not be able to support the family on his or her own and may need to replace your earnings to maintain the family.

 

Comfortable and Looking Forward to Retirement

If you’re in your 30s, you may be feeling comfortable. You’ve accumulated some wealth, and you’re thinking about retirement. Here’s where estate planning overlaps with retirement planning. It’s just as important to plan to care for yourself during your retirement as it is to plan to provide for your beneficiaries after your death.

You should keep in mind that, even though Social Security may be around when you retire, those benefits alone may not provide enough income for your retirement years. Consider saving some of your accumulated wealth using other retirement and deferred vehicles, such as an individual retirement account.

 

Wealthy and Worried

Depending on the size of your estate, you may need to be concerned about estate taxes. For 2022, $12,060,000 is effectively excluded from the federal gift and estate tax. Estates over that amount may be subject to the tax at a top rate of 40%.

Similarly, there is another tax, called the generation-skipping transfer (GST) tax, that is imposed on transfers of wealth made to grandchildren (and lower generations). For 2022, the GST tax exemption is also $12,060,000, and the top tax rate is 40%.

The Tax Cuts and Jobs Act, signed into law in December 2017, doubled the gift- and estate-tax basic exclusion amount and the GST tax exemption to $11,180,000 in 2018. After 2025, they are scheduled to revert to their pre-2018 levels and cut by about one-half.

Whether your estate will be subject to state death taxes depends on the size of your estate and the tax laws in effect in the state in which you are domiciled.

 

Elderly or Ill

If you’re elderly or ill, you’ll want to write a will or update your existing one, consider a revocable living trust, and make sure you have a durable power of attorney and a healthcare directive. Talk with your family about your wishes, and make sure they have copies of your important papers or know where to locate them.

 

Help with Estate Planning

Looking for guidance for getting started with estate planning, or maybe you just need a second opinion? The CFS fnancial advisors at UMassFive Federal Credit Union are well-versed in this type of planning and can work in conjunction with your estate-planning attorney. Visit [email protected] for more information.

Non-deposit investment products and services are offered through CUSO Financial Services, LP (CFS), a registered broker-dealer (member FINRA/SIPC) and SEC registered investment advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk, including possible loss of principal. Investment representatives are registered through CFS. UMassFive has contracted with CFS to make non-deposit investment products and services available to credit-union members. CFS does not provide tax or legal advice. For such guidance, consult your tax or legal professional.

Senior Planning

The Process Begins by Understanding the Key Documents

By Stephen Sobey, Esq.

 

In the back of your mind is a list that, particularly in quiet moments, likes to assert itself. It’s the list of the things you know you should do but haven’t. Items may include scheduling an oil change, finding a primary care physician, cleaning out your refrigerator…and creating an estate plan.

Stephen Sobey

Stephen Sobey

“You need to consider who you trust and, among those individuals, who has the right skill set and disposition to serve as personal representative of your estate or as the guardian of your children.”

One day, hopefully soon, you resolve to check off this last, very important item. What do you need to know? Although an estate-planning attorney can guide you through this process, it is to your benefit to have a basic understanding of the core documents that make up an estate plan and have already considered certain key questions.

The documents generally considered to form the core of any estate plan are the last will and testament, durable power of attorney, and healthcare proxy. Depending on your circumstances (e.g., minor children, taxable estate, etc.) or preferences, a fourth document, the revocable trust, may also be part of this core group. A discussion of trusts would require more space than is available in this article, but the questions posed here will still be useful if you and your attorney decide trust planning is appropriate.

 

Last Will and Testament

A will’s primary functions are to direct the distribution of probate property, nominate the personal representative (previously known as the ‘executor’) of your estate, and nominate the guardians and conservators of any minor children who survive you.

First, who do you want to get your probate property when you die? Although seemingly straightforward, this question contains within it a multitude of sub-questions. Do you want to make sure someone gets a particular item? Do you want to leave someone a specific dollar amount, and, if so, how much? Is there someone you want to make absolutely sure gets nothing from your estate? And what happens if everyone you have named in your will predeceases you?

As you consider these questions, keep in mind two critical points: the will ultimately controls only the distribution of probate property, which is not necessarily all the property you may own. Probate property consists only of the assets you owned in your name alone at your death. Assets with beneficiary designations, such as life-insurance policies and IRAs; jointly owned assets, such as some bank accounts; and assets in trust are all examples of non-probate property. In creating an estate plan, then, just as important as the question of what you own is the question of how you own it.

Finally, you need to consider who you trust and, among those individuals, who has the right skill set and disposition to serve as personal representative of your estate or as the guardian of your children. The best way to think about these roles, and about any of the other roles discussed here, is as jobs with their own particular job descriptions. In this way, deciding on the right person should be more than a matter of simply naming, for example, your eldest child; rather, give some thought to each person’s proverbial resumé.

 

Durable Power of Attorney

The purpose of the durable power of attorney is to designate someone to manage your financial affairs during your life. The person you appoint is variously referred to as your ‘agent’ or ‘attorney-in-fact.’

When your agent may act for you will depend on how the document is drafted. In some durable powers of attorney, the agent’s authority is immediate. In so-called ‘springing’ durable powers of attorney, the agent’s authority commences only upon the determination of a physician that you lack the capacity to manage your own affairs. Each of these approaches has its own pluses and minuses, which your attorney can explain.

 

Healthcare Proxy

In a healthcare proxy, you designate an individual to serve as your ‘healthcare agent.’ Their role is to make medical decisions on your behalf in the event you are unable to communicate your wishes. However, the healthcare agent’s authority is effective only upon a physician’s determination that you are incapacitated.

Healthcare proxies are often conflated with what are commonly known as living wills. A living will is a document in which you set your preferences regarding, among other things, end-of-life care. Living wills, unlike healthcare proxies, are not legally binding in Massachusetts; however, this document can provide a helpful framework for your healthcare agent in making medical decisions on your behalf.

This is a general overview of what is ultimately an intensely detail-oriented subject. But, armed with this little bit of knowledge, you have the beginnings of what you need to create your estate plan. The next step, naturally, is to contact an attorney.

 

Stephen Sobey is an associate with Shatz, Schwartz and Fentin.

Senior Planning

How to Choose a Medicare or Medicare Advantage Plan

By Sarah Fernandes

 

In Massachusetts, more than 1.4 million people who are 65 or older will be making decisions about their 2024 Medicare and Medicare Advantage coverage during the Medicare Annual Enrollment Period (open enrollment) from Oct. 15 to Dec. 7. Before choosing their plans, Medicare beneficiaries should consider a few things.

Sarah Fernandes

Sarah Fernandes

“By focusing on prevention, any potential health issues can be identified early, and you can work to maintain optimal health and prioritize your well-being.”

Is All Medicare Coverage the Same?

While Original Medicare (Parts A and B), the plan provided by the federal government, covers hospitalizations and most doctors’ services, coverage for other services like outpatient care, medical supplies, and preventive health care (Parts C and D) can vary widely. Part C, otherwise known as Medicare Advantage, and Part D (prescription drug coverage) are offered through private insurers, such as Health New England and others.

 

What is Medicare Advantage (Part C)?

Medicare Advantage (Part C) plans cover everything Original Medicare (Parts A and B) would cover, but offer additional benefits and services beyond Original Medicare. These added benefits can include prescription-drug coverage, vision care, dental services, hearing aids, wellness programs, and more. Medicare Advantage plans provide greater opportunities for beneficiaries to engage in preventive services, such as regular checkups, screenings, vaccinations, and health education.

By focusing on prevention, any potential health issues can be identified early, and you can work to maintain optimal health and prioritize your well-being. If you do have a chronic condition, a coordinated approach from your Medicare Advantage plan and your providers ensures that you receive the necessary support, education, and interventions to manage your condition effectively, leading to improved quality of life and health outcomes.

 

How Do I Decide?

To decide what plan is right for you, be sure to review the features of the plan. For instance:

• Make a list of your preferred healthcare providers and see if they are considered in-network or out-of-network for each plan you are considering. Some plans do not cover out-of-network services at all, while some cover them partially.

• Similarly, make a list of your medications and see if they will be covered and how much, if anything, you will need to pay out-of-pocket (your co-pay).

• If you travel or spend time in other areas of the country, check if the plan allows you to use any Medicare-accepting doctor anywhere in the U.S.

• See if the plan covers dental, vision care, hearing services, and prescription drugs.

• Ask if the plan offers additional healthy benefits such as gym memberships, coverage for acupuncture, activity trackers, and weight-management programs.

How Do I Learn More?

Health New England’s Medicare Advantage plans are a popular option for people aged 65 and older who are looking to tailor their healthcare coverage to their personal needs. As part of Baystate Health, Health New England has many high-quality providers in our network across Western Mass., and we have plans that cover you anywhere you travel in the U.S.

To learn more about choosing the right Medicare or Medicare Advantage plan, you can attend Health New England’s live information sessions, which you can find and register for at healthnewengland.org/medicare/sessions.

For more information about Health New England, visit healthnewengland.org/medicare or call (877) 443-3314 (TTY: 711). SHINE, Massachusetts’ free Medicare advice service, is available online at mass.gov/health-insurance-counseling or by calling (800) 243-4636. For more information about Medicare, visit medicare.gov.

 

Sarah Fernandes is the Medicare sales manager at Health New England and been with Health New England for more than 23 years. She and her team educate Medicare beneficiaries in Western Mass. on their Medicare options.

 

Senior Planning

It Can Be a Dreaded Task, but It’s an Important One

By Mary Paier Powers, Esq.

 

Completing a will is often a dreaded task to undertake — partly because we don’t want to face our own mortality, and partly because we don’t know where to begin.

A will is an important document that ensures property you own in your own name passes to the beneficiaries of your own choosing, and it can be changed as necessary. Your will gets filed at probate court when you pass away owning assets in your own name. Assets that have a beneficiary listed or assets that you own jointly are not controlled by your will.

Mary Paier Powers

Mary Paier Powers

“A will is an important document that ensures property you own in your own name passes to the beneficiaries of your own choosing, and it can be changed as necessary.”

As you are about to embark on this process, here are some thoughts to consider.

• Who are your beneficiaries? Family, children, friends, charities, or a combination of all? You can construct your will to leave your estate to the beneficiaries of your choosing.

• How old is a beneficiary, and does that beneficiary have the ability to manage the money or inheritance? Can they be in control if they receive a lump sum of money?

• Will you need a trust as part of your will? A trust provides for the management and distribution of assets for a beneficiary in a manner that is best for the beneficiary.

• What if a beneficiary passes away before you? Does that beneficiary’s share pass to their children? Or does it go only to your surviving beneficiaries?

• Some people plan for the future when they prepare their wills and try to accommodate various situations. It is OK and often recommended to update your will as your family and beneficiaries change. There is always uncertainty with what the future holds.

• If you do want to make minor changes later, you can do that with a codicil. This is an amendment to your will that changes the specific paragraphs that need to be adjusted, or, if there are a lot of changes, you would redo your entire will.

• If you opt to leave money to a charity, I encourage you to look at the organization’s website. You can opt to leave your money to a general fund and allow the charity to use the funds as the charity chooses, or you can specify your preferences for the use of your bequest.

• Another consideration is whom you should name as your personal representative, formerly known as an executor. This is an important responsibility since this person will gather your assets and distribute them as you direct. The personal representative will be responsible for making sure that the estate-tax return and income-tax return are completed if required, as well as making sure final personal income-tax returns are done.

• You should think of a second person to serve as a backup if the first named person/party cannot carry out these responsibilities.

• If you have minor children, you will want to think about who their guardian and/or conservator will be. Generally, the spouse or the child’s surviving parent will be listed, but you can also name alternate agents to serve in this capacity.

• You can also prepare a memorandum that will list various personal property items. Your personal representative will follow this list as a guideline. A memorandum can be completed by you individually, but you need to keep it with your will so the personal representative has access to it. This memorandum is a great mechanism to distribute personal items as well as sentimental items to beneficiaries of your choice — and if you change your mind, you can write a new memorandum.

This list is meant to be a starting point, and everyone’s situation is different. The most important step is to prepare a will; otherwise, the Commonwealth will dictate who will receive your assets at your death.

 

Mary Paier Powers is a partner at Powers Law Group in Springfield and West Springfield, where her practices focus primarily on estate settlement, estate planning, and elder law.

Senior Planning

Being in Charge of an Estate Can Be Unsettling

By Janice Ward, Esq., CFP

 

It is a fact: estate administration is complicated and time-consuming. Money can, and often does, complicate relationships. Money can make people do things they wouldn’t ordinarily do. Money can breed distrust — and worse.

These are just some of many reasons why those with estates, especially large estates or those with complex assets, should think carefully about who they choose to be their personal representative (formerly known as an executor or executrix) to administer their estate after they pass. Because settling an estate can be an unsettling experience and can potentially damage and destroy personal family relationships, you might consider an alternative to a family member.

Janice Ward

Janice Ward

“Overall, the person you choose as your personal representative will be responsible for a daunting list of tasks.”

Overall, the person you choose as your personal representative will be responsible for a daunting list of tasks. For a grieving family member, this could represent an unintended burden that requires a wide range of expertise and significant time commitment during this very difficult life transition. And if this isn’t enough, they may have to contend with pressure from — and disputes with — beneficiaries who are usually other family members. The resulting tug of war can lead to lengthy delays, sometimes lasting years, and often resulting in strained relationships and sometimes irreconcilable, heartbreaking splits among surviving family members.

An increasingly popular alternative is to choose a third-party professional, such as the Estate Settlement team within Greenfield Savings Bank Wealth Management and Trust Services. Such professionals can take away the burden and worries of estate settlement and ensure that one’s estate is managed efficiently and according to their wishes, without overburdening one specific family member. Alternatively, a professional personal representative can serve jointly alongside a family member. Such professionals can handle a wide array of responsibilities, including:

• Entering the will into probate and handling other legal requirements;

• Gathering all personal property and arranging for support of the family;

• Clearing out the decedent’s home and preparing for distribution or sale;

• Obtaining appraisals of required property for tax purposes;

• Reviewing real-estate records to assure timely payment of taxes and collection of rents;

• Evaluating contracts and leases, giving necessary notices, and complying with all requirements;

• Investigating all claims against the estate and handling them accordingly;

• Collecting all life insurance, rents, and other amounts due;

• Preparing and filing your final personal income-tax return, as well as any estate/inheritance tax returns that may be required either on a state or federal level;

• Paying related estate and inheritance taxes;

• Preparing a final accounting of the estate for the remainder beneficiaries; and

• Distributing the estate as directed by the will.

This partial list of responsibilities reveals just how complicated and time-consuming the settling of an estate can be. Individuals should keep this in mind when they are choosing a personal representative.

While choosing a family member may seem like a logical step, and some family members may actually volunteer for the assignment, most individuals are not fully qualified to handle such duties, and even if they are, they would often be placed in a difficult situation where relationships can become strained and matters can be delayed. There is often a perception of unfairness if one family member is making all the decisions that affect the personal finances and tax consequences of each beneficiary. For example, is this individual liquidating all the assets — which might cause significant capital gains to family members who pay high tax rates — and are those decisions equally fair and appropriate for all affected parties?

A professional personal representative will not only know the requirements of estate administration from a tax perspective, but will also understand the consequences of every decision they make as they assemble and then distribute each important piece of the puzzle. Choosing such a professional shouldn’t be considered disrespectful to family members. It should be looked upon as a common-sense alternative, one that can alleviate potential problems and eliminate the stress on familial relationships that often arises when money is at stake and an estate needs to be settled.

 

Janice Ward is an attorney, certified financial planner, and first vice president and trust officer at Greenfield Savings Bank.

Senior Planning

LGBTQ+ Elders Face Unique Planning Challenges

 

By Julie A. Dialessi-Lafley, Esq.

 

You have heard it and read it over and over again: everyone, regardless of their level of wealth, should have an estate plan. However, for LGBTQ+ elders, it may be even more critical to have an estate plan in place due to the challenges faced by many in the community.

Despite the fact that same-sex marriages are legally recognized in all 50 states, only 54% of same-sex couples are married. Not only are there still challenges for married same-sex couples, the high percentage of non-married couples also necessitates planning. While the government can create a law recognizing these marriages, there are organizations, businesses, and people who do not acknowledge these couples. The result is challenges for couples who simply want equality, as well as to provide and plan for their loved ones and chosen family.

Julie A. Dialessi-Lafley

Julie A. Dialessi-Lafley

“Making sure planning is in place to provide for the needs of the surviving spouse, partner, and other family and friends is crucial, as the laws in the absence of planning may not provide for those loved ones as you would want.”

Planning for retirement is both a financial goal as well as a lifestyle decision for LGBTQ+ elders. Making sure planning is in place to provide for the needs of the surviving spouse, partner, and other family and friends is crucial, as the laws in the absence of planning may not provide for those loved ones as you would want.

Additionally, social isolation can really creep up and become a serious problem to overcome. The question of where to retire has become overwhelming, as relocation brings with it a need to find an area that provides for the social inclusion for these elders as well as financial stability, reasonable cost of living, and lifestyle needs.

Within the U.S., about 80% of long-term care for older people is provided by family members, such as spouses, children, and other relatives. LGBTQ+ elders are only half as likely as their heterosexual counterparts to have close family to lean on or children to help. Simply put, folks who are part of the LGBTQ+ community are less likely to be married, they may have children where only one partner is the biological parent, and there is a high incidence of alienation from non-accepting family members.

Planning how long-term-care medical needs will be paid and who will act as the healthcare proxy/advocate for the LGBTQ+ elder is crucial, as many LGBTQ+ elders need to make sure they have an appropriate person to assist in making decisions about their care, as well as being concerned about harassment and hostility in facilities that serve the aging population. These folks often do not access aging services out of fear of hostile and harassing treatment. Few facilities are prepared to address insensitivity or discrimination aimed at LGBTQ+ elders by staff or other older people. Proper planning and memorializing those wishes in an estate plan can allow the elder person to age with the dignity and respect they deserve.

For non-married partners, planning is extremely important because, under the law, a partner is not going to have the standard rights to healthcare information and the ability to make healthcare decisions on behalf of their partner. A partner will not be able to access bank accounts if they are not in joint names and they are not able to make any and all decisions on behalf of their partner. Unmarried partners are not entitled to any inheritance in the absence of a will, trust, or proper planning.

Regardless of marital status, end-of-life decisions, the question of cremation versus burial, and any memorial arrangements should be documented to make sure your wishes are carried out as, again, both non-married and married partners may face significant challenges in carrying out your wishes in the absence of documentation.

In LGBTQ+ couples with children, only one parent might be the biological parent, or neither might be. They might have used an egg or sperm donor to conceive, or a surrogate to carry the child. There are varying rules across states about parental rights, but from a legal perspective, the biological parent is the one with the legal rights, barring any other court documentation. Even a birth certificate with both parents’ names on it may not be enough.

A last will and testament lays out who your assets should go to after you die. It also allows you to name a guardian for your minor children. It can help your family avoid disputes that might arise if there is not a plan in place or if it is not clearly stated. Additionally, trusts can be used to plan where assets go after you die and also avoid probate of your estate. This can be a cost-effective way to reduce conflict in the future and avoid claims against the elder’s estate from family who have been intentionally omitted from the planning.

As a result of what the community describes as continued discrimination and lack of inclusion, elders need to ensure that they have in place, at minimum, the appropriate documents, such as durable power of attorney, healthcare proxy; will, trusts (if warranted), and end-of-life directives in order to ensure their wishes can be carried out and their needs will be met in the event of an illness or death.

Estate planning can help to navigate through an increasingly complex legal system, and proper planning can protect your loved ones when they will need it most.

 

Julie Dialessi-Lafley is a shareholder with Bacon Wilson whose practice areas include estate planning and elder law, domestic relations and family law, and business and corporate law; (413) 781-0560; [email protected]

Senior Planning

Don’t Lose Yourself in Caring for Others

By Mary-Anne Schelb

 

Seasons.

And I don’t mean winter, spring, summer, or fall. I am referring to the seasons of life. Seasons of friendship, seasons of career, seasons of family. You get it.

We all know the saying: friends come into and out of our lives for a reason, a season, or a lifetime. Really, the same thing happens in all we do. Getting married, you become someone’s wife or husband or partner. You have children, and you are mom or dad. You get a career, and you are someone’s employee or boss. Even C-suite employees report to someone. If you are a business owner, you may have a board of directors you are in step with — or you are answering to your customers or clients. Some of these will be for a reason, for a season, or maybe a lifetime.

Mary-Anne Schelb

Mary-Anne Schelb

“If you give too much of yourself away, there will be nothing left for you, and that is why, when you step into your final season — retirement — it’s easy to feel sad or lost.”

When you are all of these things to everyone, all the time — wife, mom, employee, business owner — are you losing the core of who you are? Are you getting lost in the hustle and bustle? We all know that, as the years pass, the hustle and bustle gets more hustley and bustley.

Don’t get lost. Don’t lose your identity of who you are at your core. Remember what you need — to feel whole, to feel alive. If you give too much of yourself away, there will be nothing left for you, and that is why, when you step into your final season — retirement — it’s easy to feel sad or lost.

As the years go by, you see many college graduations with children becoming adults and going out on their own. Empty-nest syndrome is a real thing, and it is OK to feel sad, but (you knew there would be a but) do not lose yourself in this sadness. Try to replace the sadness with excitement that your kids are going forth into the world with all you have taught them, all you have shown them. Our job is to guide them and encourage them to become successful and contributing members of society. Let them live. Let them experience. And I dare you to do the same.

What were things in your world you used to love to do that got pushed to the side or put on a back burner while you cared for your children, or while you worked countless hours at a job you may or may not have even liked. Hobbies you used to love? Friends you used to see? Live your life. Become the person you have always wanted to become — or reignite the passion for yourself you used to have. I always share with clients: it is never too late.

Whether you are still mom and dad — or now maybe caring for your own mom and dad — or you are finding you are identifying too much with a job, take a deep breath, close your eyes, and picture the perfect you. Connect with your higher self (that perfect version of yourself) and move toward that. One small step at a time still moves you forward.

Don’t get lost in someone else’s dream; make sure you are living your own. And if you are? Kudos to you! We are very few and far between. So I ask this of you: reach out to a friend who may be in need. Give them a hug, spend some time, lend an ear. Talk to them about the wonderful person you know they are, and remind them not to get lost.

We are all in this together.

 

Mary-Anne Schelb is director of Business Development at JGS Lifecare.

Senior Planning

Six Indications It Might Be Time for Memory Care

By Arbors Assisted Living

 

Memory care is a special kind of long-term care designed to meet the specific needs of people with Alzheimer’s and other forms of dementia or types of memory problems. Often housed within an assisted-living community, a memory-care program offers a more structured environment that comes with set schedules and routines to create a stress-free lifestyle, safety features to ensure the health of the residents, and programs designed to cultivate cognitive skills.

Five Symptoms of Dementia to Look Out For

1. Memory loss that disrupts daily life.

One of the most common signs of dementia involves trouble with short-term memory. From forgetting recently learned information to asking for the same information over and over, your aging loved one may be able to remember events that took place years ago, but not what they had for breakfast.

2. Difficulty handling complex tasks.

You might notice a subtle shift in your loved one’s ability to complete normal tasks, such as driving to a familiar location, managing a budget at work, or remembering the rules of a favorite game — or when they start having difficulty handling more complex tasks, such as balancing a checkbook.

3. New problems with words in speaking or writing.

Maybe your mom has always been a stellar conversationalist, and you notice that now she may have trouble following or joining a conversation. Or perhaps your dad struggles to find the right word or calls things by the wrong name.

4. Apathy and withdrawal or depression.

Changes in mood can be an indication that your loved one has dementia. Perhaps they avoid being social because of the changes in their brain. They may also have trouble keeping up with a favorite sports team or remembering how to complete a favorite hobby, so they may start to withdraw from things they previously enjoyed.

5. Increasing confusion and disorientation.

Someone in the early stages of dementia may often lose track of dates, seasons, and the passage of time. Confusion may arise as they can no longer remember faces, find the right words, or interact with people normally.

When to see a doctor:

If your aging loved one exhibits several of these signs, consult a doctor. A general practitioner will typically refer you to a neurologist who can examine your loved one’s physical and mental health to determine whether the symptoms result from dementia or another cognitive problem.

One of the goals of a memory-care community is to keep seniors with dementia engaged and active in a safe, home-like environment and to promote the highest quality of life by adapting the staff, environment, and daily routine to the needs of each individual.

Because of this, there is no downside to placing a loved one in a memory-care community too soon. However, there are many drawbacks to waiting too long.

So, how do you know when it’s the right time to consider moving your loved one to a specialized memory care community? The following questions may be helpful when determining if a move to memory care is a good option.

 

1. Is My Loved One Becoming Unsafe in Their Current Home?

As dementia progresses, your loved one will have a harder time functioning independently. Maybe you used to be able to help your mom by writing out a daily to-do list and a schedule of when she should take her medications. But now, she needs reminders to shower and help choosing appropriate clothes for the season.

Bathing, toileting, dressing, and other activities of daily living all come with risks. Safety should always be considered, and if there are any tasks that your loved one cannot perform safely on their own, assistance should be provided.

How often each day you worry about her, check on her, or make a call regarding her safety or whereabouts? If your loved one has fallen, had a driving accident, or suffered an unexplained injury, these are safety signs it’s time to consider moving your loved one to a memory-care community.

 

2. Is the Health of My Loved One or My Health as a Caregiver at Risk?

Dementia will affect your loved one’s ability to remember to take prescribed medications at the right time or the right dosage, which can lead to serious health problems. For example, chronic health conditions such as COPD and heart disease may worsen rapidly if dementia interferes with your loved one’s ability to manage their treatment. You might also notice that your loved one starts to look different. Maybe your dad is losing weight because he forgets to eat or gaining weight because he forgets he’s eaten and eats again.

When you look in a mirror, you might notice that you are starting to look different, too. Caring for someone with dementia is mentally draining and physically exhausting. If the stress of caregiving is left unchecked, it can have an impact on your health, relationships, and state of mind, eventually leading to burnout.

Is dementia preventing your loved one from taking care of their health? Are you and your other family members exhausted? It’s important to be honest with yourself about your emotional and physical limits while caregiving. Sometimes placement in a memory-care community is best for both the caregiver and the loved one’s overall health and well-being.

 

3. Are My Loved One’s Care Needs Beyond My Physical Capabilities?

In the later stages of dementia, your loved one may require assistance getting in and out of bed and moving from the bed to a chair. Additionally, dementia physically damages the brain, which can affect your loved one’s personality and behavior.

Wandering, agitation, repetitive speech or actions, paranoia, and sleeplessness may pose many challenges for families and caregivers. However, it’s important to remember that these behaviors are often coping tactics for a person with deteriorating brain function.

Is your petite, 70-year-old mom trying to get your 180-pound dad to the bathroom two or three times each night? Is your dad’s aggression triggered by something — physical discomfort, being in an unfamiliar situation, poor communication — on a regular basis? If continuing to care for your loved one at home puts both of you in danger, that’s a telltale sign that it’s time for memory care.

 

4. Am I Becoming a Stressed, Irritable, and Impatient Caregiver?

Stress arousal is the first sign that you’re not getting the physical and emotional support you need as a caregiver. Maybe you’re frustrated or disappointed over your loved one’s deteriorating condition or lack of progress. It can be hard to accept that the quality of your care and effort have nothing to do with the actual health-related decline or mood of the care recipient. This frustration can lead to caregiver stress.

If you are so overwhelmed by taking care of someone else that you have neglected your own physical, mental, and emotional well-being, it will not be long before you are experiencing caregiver burnout. When you are burned out, it is tough to do anything, let alone look after someone else.

 

5. Am I Neglecting Work Responsibilities, My Family, and Myself?

You might be struggling to maintain a sense of purpose in working so hard to provide care, which leads to neglecting responsibilities, withdrawing socially from friends and family, and having much less energy than you once had.

Family caregivers often have to take time off, either paid or unpaid, while some have to reduce their work hours. Others leave the workforce entirely in order to provide full-time care for a loved one. Additionally, caregivers don’t have as much time to take care of themselves, and they can often feel cut off from the outside world. Social isolation leads to higher levels of both caregiver stress and depression.

“There is no downside to placing a loved one in a memory-care community too soon. However, there are many drawbacks to waiting too long.”

Are you feeling irritable or hopeless, struggling with emotional and physical exhaustion, or getting sick more often? Do you have heightened anxiety or trouble making care decisions? If your loved one’s need for care is wearing you out, it may be time to start considering your memory-care options.

 

6. Would the Structure and Social Interaction at a Memory-care Community Benefit My Loved One?

Somewhere in the middle and late stages of dementia, your loved one will no longer be able to drive, and communication with others will become increasingly difficult. Your loved one may lose track of their thoughts, be unable to follow conversations, and/or have trouble understanding what others are trying to communicate.

Maybe it’s become too challenging to take your mom out to eat, shop, or exercise because her behavior is unpredictable. Or perhaps your dad can no longer drive, so he rarely goes out and is restless and lonely.

Is dementia shrinking your loved one’s world? Memory-care programs are equipped to provide activities and stimulation — including trips and outings — that can keep your loved one engaged and active in a safe, homelike environment.

If you answered yes to any of these questions or if you have reached a point where you feel like you cannot fully meet the needs of a loved one struggling with memory impairment, it is time to start visiting memory-care communities, which offer specialized environments where your loved one can not only live, but even thrive. Plus, knowing that your loved one has trained, 24-hour care can help relieve the caregiving burden and give your family peace of mind.

Senior Planning

Caregivers Must Understand the Importance of Self-care

By A Place for Mom

Being a caregiver for a parent or senior loved one can be a full-time job, leaving little opportunity for anything else, including your own self-care. However, self-care is essential, benefitings not only you, but the loved one you are caring for as well.

Many people who find themselves in the role of caregiver experience feelings of guilt for wanting (and needing) time for themselves; however, the necessity for self-care is sometimes compared with that of applying your own oxygen mask on an airplane before assisting anyone else. Only when we first help ourselves can we effectively help others.

Self-care is an essential and necessary part of the process of providing care that benefits not only you but the person you are caring for as well. After all, you cannot pour from an empty cup.

While providing care can be very rewarding and satisfying, it can also be exhausting, with many caregivers reporting personal health issues including depression; excessive use of alcohol, tobacco, and other drugs; failure to exercise; failure to stay in bed when ill; poor eating habits; postponement of (or failure to make) medical appointments; and sleep deprivation.

“Self-care is an essential and necessary part of the process of providing care that benefits not only you but the person you are caring for as well. After all, you cannot pour from an empty cup.”

To combat these possible issues and live your best life possible while providing care for a loved one, consider adopting the following restorative practices for a healthy body, mind, and soul:

 

Eat a Healthy Diet

A healthy diet is important, not just for your physical health, but your emotional health as well. In the short term, enjoying a diet of nutritious and well-balanced meals can help to increase energy and reduce sluggishness, while in the long-term, eating well can reduce the risk of cancer and heart disease.

 

Get Enough Sleep

Sleep deprivation can wreak havoc on your mental health and cause a ripple effect of negative emotions and thoughts. Your body needs seven to eight hours of restorative sleep each night for optimal health. Try implementing a predictable and regular bedtime routine to coax your body into a relaxing slumber, including limiting mobile devices or tablets two hours before bed; sleeping in a cool, dark room; and wearing comfortable pajamas.

 

Get Regular Exercise

Exercise promotes better sleep, reduces depression and tension, and increases alertness and energy. Although finding the motivation and time to exercise, especially in the beginning, may be a struggle, small steps will add up. Try walking for 20 minutes a day, three days a week to experience the full benefits of exercise.

 

Make Time for Hobbies

Taking a break from caregiving to reinvest in activities and hobbies you enjoy will help to reinvigorate you and remind you of who you are, outside of being a caregiver. Accepting help from family, friends, and professionals to reinvest in yourself may be difficult, but the reward of getting reacquainted with yourself and rediscovering what brings you happiness and peace will allow you to be the best caregiver you can be.

Senior Planning

How Hospice Care Supports the End-of life Journey

 

By Maria Rivera

 

Hospice care focuses on the quality of one’s life as they embark on the end-of-life journey. It is not about dying. Instead, hospice affirms life, neither hastening nor postponing death.

The goal of hospice care is to provide patients with comfort and symptom management to help them find peace and meaning in the final months or weeks of their lives. At Hospice of the Fisher Home, we focus on quality of life, and this guides everything we do to support patients and their families.

Managing terminal illness can feel overwhelming. A hospice care team provides support to patients and their families through a delicate and challenging time using a comprehensive care model.

Maria Rivera

Maria Rivera

“Hospice helps people to live the best life they possibly can up until their very last day.”

The hospice team forms a safety net for the patient and the family. The medical director, nurses, and CNAs are experts in comfort care. They manage pain and symptoms so that patients can live as fully and comfortably as possible.

Spiritual and bereavement counselors meet with patients and their loved ones to guide them through the emotional and social challenges that often arise at the end of life. Social workers assist with social and emotional issues. Volunteers offer support in various ways, including massage, harp, and other live music, as well as therapy dogs, Reiki, acupuncture, meditation, reading books, and sitting vigil. Each member of the team has specialized hospice training and a deep dedication to helping patients and their families experience peace, comfort, and happiness.

Hospice helps people to live the best life they possibly can up until their very last day. For some people, that may mean feeling good enough to float in the pool at the local YMCA, spend a few hours fishing with a friend, or have their favorite dish for dinner and a big helping of dessert.

Educating people about the benefits of early hospice admission is important. Because hospice care focuses on the well-being of the whole patient — physical, mental, emotional, and spiritual — earlier admission to hospice means the patient can experience more quality time with loved ones. There is also a greater opportunity to contemplate what matters most in life when the patient is comfortable and experiences less stress and anxiety during their final months.

When caregivers and providers are aware of the benefits of hospice, they can facilitate early admission. It’s important to plan for these difficult decisions, put preferences in writing, and have conversations about the care you want for the end of life.

 

Maria Rivera, BSN, RN, is executive director of Hospice of the Fisher Home in Amherst, the only independent, nonprofit hospice in Western Mass., providing end-of-life care at a nine-bed residence in Amherst and visiting private residences, assisted-living facilities, and retirement communities throughout Hampshire, Franklin, and Hampden counties. It also provides hospice care to veterans at the Veterans’ Home in Holyoke.