Right At Home

Right At Home

Monday, November 15, 2010

New Deductibility Levels for Long Term Care Insurance

New Deductibility Levels for Long Term Care Insurance

The Internal Revenue Service (IRS) recently announced increased deductibility levels for long-term care insurance policies purchased in 2011.  Some long term care insurance help those insured pay for home care services. 

"Tax advantaged long-term care insurance remains one of the few remaining significant tax-savings benefits especially meaningful for small business owners.  For taxable years beginning in 2011, the limitations have been increased," explains Jesse Slome, executive director of the American Association for Long-Term Care Insurance (AALTCI), the industry's trade association.

The deductible limits under Section 213(d)(10) for eligible long-term care premiums includable in the term ‘medical care’ are as follows:

Attained Age Before Close of Taxable Year 2011 Deductible Limits
  • 40 or less $ 340
  • More than 40 but not more than 50 $ 640
  • More than 50 but not more than 60 $1,270
  • More than 60 but not more than 70 $3,390
    Source: IRS Revenue Procedure 2010-40

    We would like to thank Jesso Slome, Executive Director of the American Association for Long-Term Care Insurance (AALTCI).  AALTCI is the national association serving insurance and financial professionals who provide long-term care financing solutions. A complete explanation of tax deductible rules for individuals and business owners can be found on the Association's website: http://www.aaltci.org/tax

Monday, October 25, 2010

The hardest thing for a child to do is tell their parents they can't drive anymore.

The first thing Peter Haugen noticed was that the dents in his mom's car were multiplying. Then the Osterville, Mass., software engineer learned that his mother, 85, had confused the brake and the gas pedal and ended up, unhurt, atop a stone wall. He pleaded with her to stop driving. He spoke to her doctor. He even persuaded her to see a geropsychologist.
Nothing worked. Like many older drivers, she clung to her license to preserve her mobility as well as her sense of independence and identity. But on July, 16, 2003, Haugen decided he had to do more. On that day, an 87-year-old driver made national headlines when he plowed into a Santa Monica, Calif., farmer's market, killing 10 people. "I told my sister," he recalls, "'We gotta get going on this. There but for the grace of God go we.'"
Enlisting the aid of their mother's doctor, her minister and the local police, Haugen and his sister persuaded their mom to get a driving assessment at the DriveWise program at Beth Israel Deaconess Medical Center in Boston. She failed. Mom was off the road, and--who knows?--perhaps another fatal accident was averted.
Haugen's call was one of a flood received by DriveWise director Lissa Kapust and other driving-safety centers around the country following the Santa Monica horror. For years, experts on highway safety and aging had been crying, "The boomers are coming! The boomers are coming!" But until Santa Monica, government and foundations had been sluggish in responding to the scary statistics. In seven years, the oldest boomers will turn 65; by 2030, 1 out of 4 drivers will be 65 or older. Not all older drivers pose safety hazards, but people 75 and older have more fatal crashes than any other group except teenagers. And drivers who are cognitively impaired--about 25% of the 65-and-older group--are 7.5 times as likely as nonimpaired drivers to be at fault in a crash, exceeding the rate for even drunk drivers.
After the Santa Monica accident, legislators, state departments of motor vehicles (DMVs) and others began putting a premium on older-driver safety. The push is occurring on several fronts: research to identify which drivers need testing, development of more accurate assessment tools, a greater focus on driver remediation and the creation of specialized licensing for the elderly. In addition, states and social-services agencies are starting or bolstering programs to support older people who have stopped driving, offering counseling and alternate transportation options. Backing up all these efforts, officials are launching public education campaigns to encourage testing of older drivers and counter their often passionate resistance to giving up driving.
New Hampshire and Illinois are the only states that require age-based road tests (for those 75 and older). Most states are wrestling with how to identify at-risk drivers scientifically without the difficulty and expense of testing everyone past a certain age. Maryland has been at the leading edge of research to determine the age at which large-scale screening of drivers makes sense. Preliminary results, says Dr. Robert Raleigh, chief of the Maryland Medical Advisory Board, indicate that 75 is the age at which screening at license renewal becomes most effective.


Read more: http://www.time.com/time/magazine/article/0,9171,1090887,00.html#ixzz13Ola61EH

Monday, October 18, 2010

Health Tip: Preventing Falls Among the Elderly

Health Tip: Preventing Falls Among the Elderly

(HealthDay News) -- Of all fall-related deaths, more than 60 percent involve people who are 75 years old or older. According to the Brain Injury Association of America, falls are a leading cause of traumatic brain injury among the elderly.
As people age, factors that contribute to falls include problems with gait and balance, neurological and musculoskeletal disabilities, medication use, dementia and visual impairment. Environmental hazards such as slippery surfaces, uneven floors, poor lighting, loose rugs and unstable furniture may play a role.
No matter what factors contribute to falls, here's how you can help prevent them:
  • Exercise regularly.
  • Perform a home safety check. Remove things that might be tripped over; store items that are used often in cabinets that can be reached easily without a step stool; install grab bars in the tub or shower; use non-slip mats on bathtubs and shower floors; and install handrails and lights on all stairs and outside.
  • Have your health-care provider review all of your medicines, including those sold over the counter.
  • Wear sturdy shoes with thin, non-slip soles.
-- Nancyann Rella

Monday, October 11, 2010

Young People and Breast Cancer

Breast cancer rates rise as people -- especially women -- get older.

But about 10,000 women under age 40 get diagnosed with breast cancer each year according to YoungSurvival.org.

Some survivors and the families of those who have been through a diagnosis early in life find that doctors sometimes doubt what their patients are seeing. Sometimes good comes from the early doubt, such as a young California woman who tries to keep a positive attitude as she goes through treatment and a Virginia man who became an awareness activist after he lost his sister.

Cathy White found out that she had breast cancer early this year before her 23rd birthday.

Though some groups advocate that women of any age examine their breasts regularly for changes, White says she never had. But before getting in the shower one day in February, she noticed a lump on the right side of her breast, near her arm pit.

"I don't know why I did it," she says. "I just did it."

Her mother felt the lump, too, and decided she should go to a doctor.

White, who shares the ups and downs of her treatment on Twitter as @sxedawl and on her blog was at first told it was probably related to her period, since she was so young.

Still, the doctor did a needle biopsy and said that it looked benign.

"She left me with nothing but a bruise," White says.

A month later, though, she went to a breast care center for an ultrasound, which found a second lump. Three days later, she was told she had cancer.

"My world just kind of stopped," she says. Though she knew the doctor was talking to her, she couldn't really understand the words, and could only ask if she was going to die.

Doctors told her to come back the next day when she was more under control.

"At first, I didn't believe her. I was waiting for her to say, 'We were wrong.' That call never came," White says.

When she started to hear about all the tests, scans and appointments she needed, "That solidified that 'this is real.'"

Then she was able to get a grip and realize she had to be strong. After agonizing about whether to get a double mastectomy -- as one doctor suggested -- White had a lumpectomy and started a course of six chemotherapy treatments over six months. "Chemo really makes you feel like a cancer patient," she says, because it can leave her weak and tired and makes her feel like she's not in control of her body.

"It's hard (but) I've always been really positive and try not to let the little things get me down," she says, adding that she tries to stay upbeat so others around her can, as well.

She has days where she wants to break down, but "it's just not worth it."

But cancer did allow White to think a bit more about what she wants to do with her life.

Before she got sick, she was working 40 hours a week in for a company that sells auto parts and had taken some college-level accounting courses.

But the illness has led her to think more about going to school with a particular goal in mind.

"I don't want my life to be, 'Oh, I worked in an office.'"

She says she would now like to change majors to something that would help her learn how to help others, possibly by opening a breast cancer clinic in the Philippines.

Finding Missing In Cancer


Shawn Gardner, a 41-year-old teacher from Washington, D.C., was also pushed to do something for others by breast cancer. He became a vocal fighter after his sister died when she was 26 years old.

His sister, Heather Gardner Starcher, had complained many times about pain under her arm. But doctors could not find a cause.

One day as she rolled over in bed, "the tumor popped out of her breast," Gardner says. Still, the doctor she had been seeing told her that women her age could not have breast cancer and sent her home.

She quickly got a second opinion, and the next day was diagnosed with breast cancer. Doctors said that from the size of the tumor, she could have had it for 10 years.

Still, Heather did not like that her doctor dismissed her concerns. Gardner says she wrote a letter to the doctor saying that she hoped she would never send another young woman home without checking things out thoroughly.

The doctor tried to reach Heather, but "Heather was a little stubborn" and did not want to have any more contact, Gardner says.

Watching his sister battle, Gardner formed a team in her honor for the National Race for the Cure. Initially, the goal was just to support her, not raise money.

However, the effort grew year by year, even after Heather died and their parents decided not to participate. In 2003, Team Heather raised $5,500. Now, the team raises more than $50,000 a year.

Gardner has also become a local spokesman for Susan G. Komen for the cure. The group got interested in the story, and Gardner has taped some public service announcements and testified in front of Congress.

His advocacy efforts highlight young women, but he hopes to raise broader awareness.

"I want people to just be aware of your body, of the women in your life," he says.

Tuesday, October 5, 2010

Questions and Answers about 2010 Flu Shots

Vaccine Selection for the 2010–2011 Influenza Season

How are the viruses selected to make flu vaccine?
The influenza (flu) viruses selected for inclusion in the seasonal flu vaccines are updated each year based information about which influenza virus strains are identified, how they are spreading, and how well current vaccine strains protect against newly identified strains. Currently, 130 national influenza centers in 101 countries conduct year-round surveillance for influenza and study influenza disease trends. These laboratories then send influenza viruses to the four World Health Organization (WHO) Collaborating Centers for Reference and Research on Influenza located in Atlanta, Georgia, USA (Centers for Disease Control and Prevention, CDC); London, United Kingdom (National Institute for Medical Research); Melbourne, Australia (Victoria Infectious Diseases Reference Laboratory); Tokyo, Japan (National Institute for Infectious Diseases) for additional analyses. The seasonal flu vaccine is a trivalent vaccine (a three component vaccine) with each component selected to protect against one of the three main groups of influenza viruses circulating in humans. (Last year’s 2009 H1N1 vaccine was made in response to the pandemic first recognized in April 2009. Unlike seasonal flu vaccines, the pandemic vaccine protected against only one flu virus strain, the 2009 H1N1 virus.)
The three vaccine viruses are chosen to maximize the likelihood that the main circulating viruses during the upcoming flu season will be well covered by the vaccine. WHO recommends specific vaccine viruses for vaccine production, but then each individual country makes their own decision for licensing of vaccines in their country. In the United States, the US Food and Drug Administration (FDA) determines what viruses will be used in U.S.–licensed vaccines.

What flu viruses are included in the Northern Hemisphere seasonal vaccine for 2010-2011?
WHO recommended that the Northern Hemisphere's 2010–2011 seasonal influenza vaccine contain the following three vaccine viruses:
  • an A/California/7/2009 (H1N1)–like virus;
  • an A/Perth/16/2009 (H3N2)–like virus;
  • and a B/Brisbane/60/2008–like virus.
The H1N1 virus recommended for inclusion in the 2010-2011 seasonal influenza vaccine is a pandemic 2009 H1N1 virus and is the same vaccine virus as was used in the 2009 H1N1 monovalent vaccine.
This recommended composition of the seasonal vaccine for the Northern Hemisphere, including the United States, is the same composition that was recommended for the Southern Hemisphere’s 2010 influenza vaccines.
What flu viruses are included in the Southern Hemisphere seasonal vaccine for 2011?
On September 29, 2010, in Geneva, Switzerland, WHO recommended that the Southern Hemisphere’s 2011 seasonal influenza vaccine contain the following three vaccine viruses:
  • an A/California/7/2009 (H1N1)-like virus;
  • an A/Perth/16/2009 (H3N2)-like virus;*
  • a B/Brisbane/60/2008-like virus.
*Note: A/Wisconsin/15/2009 and A/Victoria/210/2009 are A/Perth/16/2009-like viruses.
These are the same virus strains that the Food and Drug Administration (FDA) selected for inclusion in the Northern Hemisphere vaccine being used in the United States during the 2010-2011 season.
The WHO recommendation and summary reportExternal Web Site Icon are available on the WHO website. In addition, a frequently asked questions document Adobe PDF fileExternal Web Site Icon on the vaccine strain selection process is also available on the WHO website.
Who is included in the group that makes the vaccine virus selections at WHO?
The WHO vaccine virus decision meetings include WHO representatives from the WHO Collaborating Centers, Essential Regulatory Laboratories, and others from the Global Influenza Surveillance Network (GISN). After WHO makes its recommendations, the US FDA Vaccines and Related Biological Products Advisory Committee (VRBPAC) meets to concur with or modify WHO's recommendation for the United States.
When and where did the WHO group meet to determine the vaccine composition for the 2010-2011 seasonal influenza vaccine for the Northern Hemisphere?
On January 14 and February 4, 2010, the WHO selection process for which viruses to include in the seasonal influenza vaccine for the Northern Hemisphere began with teleconferences discussing surveillance data. The final WHO Vaccine Composition MeetingExternal Web Site Icon was held February 14–19, 2010 at the WHO headquarters in Geneva, Switzerland.
When and where was it decided what the vaccine composition would be for the 2010-2011 seasonal vaccine for the United States?
After WHO made its recommendations for the Northern Hemisphere, the US FDA Vaccines and Related Biological Products Advisory Committee (VRBPAC)External Web Site Icon met in Bethesda, Maryland on February 22, 2010 and concurred with WHO's recommendation. So the U.S. seasonal vaccine for the 2010–2011 season, includes an A/California/7/2009 (H1N1)-like virus, an A/Perth/16/2009 (H3N2)-like virus, and a B/Brisbane/60/2008-like virus.

Wednesday, September 29, 2010

Talk about prescriptions

For information, contact:
Julie Burket, Owner/Administrator
julie@rightathomeco.com
541-633-7436


Right at Home,
an international leader providing in-home companionship, personal care and assistance to seniors and disabled adults who want to continue to live independently, is continually monitoring issues that impact our clients and their families from an emotional, physical and financial perspective. 

          Protect Seniors Against Heightened Medication Risks
October is “Talk About Prescriptions” Month

Prescriptions can be the key to a longer, fuller life; but if not handled properly, they can also cause serious problems. To help us all use prescriptions properly and minimize risk, Right at Home is celebrating “Talk About Prescriptions” Month, organized by the National Council on Patient Information and Education (NCPIE), a coalition of over 125 diverse organizations whose mission is to stimulate and improve communication of information on appropriate medicine use to consumers and healthcare professionals.

“Educating patients is critical for promoting healthy use of prescriptions, as people tend to see many different doctors for various conditions instead of one primary physician,” said Julie Burket, Owner Right At Home of Central Oregon. “Seniors are at an even higher risk than most for serious side effects and other medication risks. Right at Home is taking advantage of this month-long awareness event to education our clients and all seniors so they can protect themselves against these risks.”

According to NCPIE, two out of every three doctor visits result in the prescribing of a medication, with a total of 3.5 billion prescriptions dispensed every year. Prescription education is particularly important for seniors, who tend to take more medications on average—50 percent of seniors take an average of eight medications or more regularly, according to a news release from the National Council on Aging and CVS/pharmacy. Since the risk of experiencing side effects increases with the number of prescriptions taken, most seniors have a high risk. As bodies change and age, this can cause the body to react differently, so a senior may start to experience a side effect from a prescription even if they have been taking it for years without any issues.
NCPIE advises all prescription users to "Be MedWise” and practice safe medicine use by focusing on the "3Rs": risk, respect and responsibility. Right at Home recommends these top 10 best practices for senior medication safety:
  1. Always keep a complete, updated list of medications, including prescriptions, over the counter medications, vitamins and supplements. Give a copy to family members and others who may need to know in an emergency, such as a close neighbor or medical proxy. Show this list to all physicians you see at every visit.
  2. Use one pharmacy. People usually see several doctors to address different problems, so prescriptions can’t be managed through a primary physician as they used to be. Going through the same pharmacy for all prescriptions will create one more check point to make sure prescriptions won’t mix dangerously.
  3. Know your medications.  Read the information that comes with each medication, know the purpose and be aware of their side effects.
  4. Only take medications as directed. If you feel a change needs to be made, talk to the physician who prescribed it; never self-medicate.
  5. Store medications in a dry place of moderate temperature; do not store in areas where temperatures vary greatly or where it gets humid (like the medicine cabinet in the bathroom). Know what prescriptions need to be stored in the refrigerator.
  6. Talk to a doctor before adding a new medication, vitamin or supplement to your routine if you are taking a prescription.
  7. Do not share prescriptions with others, no matter what. Even the same medication can come in pills of varying amounts, and even a small amount of difference in dosages can make a big difference to your body.
  8. Get rid of expired prescriptions, even if you haven’t used all of them yet. Prescriptions change as they age, meaning they will mix differently with your body and other prescriptions and can lead to dangerous adverse reactions.
  9. Speak up—keep the conversation going with your physicians and pharmacy. Ask questions and voice your concerns. You know your body best, and when it comes to your health, there are no bad questions.
  10. If applicable, use medication management tools like reminder services, electronic pill dispensers or in-home services like Right at Home to ensure that medications are taken properly. Missing a dosage, confusing pills or other innocent medication mistakes can have serious ramifications.
About Right at Home
Founded in 1995, Right at Home offers in-home companion and personal care and assistance to seniors and disabled adults who want to continue to live independently. Right at Home directly employs all caregiving staff, each of whom are thoroughly screened, trained, bonded and insured prior to entering a client’s home. All ongoing care is monitored and supervised by more than 185 local independent franchisees. Right at Home’s global office is based in Omaha, Nebraska, with franchise offices located in 40 states nationwide, as well as in the UK and Brazil. For more information on Right at Home, visit About Right at Home at http://www.rightathome.net/about-us or read the Right at Home caregiving blog at http://www.rightathome.net/blog. To sign up for Right at Home’s free adult caregiving eNewsletter, Caring Right at Home, visit http://www.rightathome.net.

About Right at Home of Central Oregon
The Central Oregon office of Right at Home is a locally owned and operated franchise office of Right at Home Inc. serving the communities of Deschutes, Crook, and Jefferson County. For more information, contact Right at Home of Central Oregon at www.rightathomeco.com , 541-633-7436 or by email at info@rightathomeco.com.
 

Thursday, August 12, 2010

Rising Cost for Seniors in 2010

Resources Are Available to Help Pay for Senior Care Expenses



How much does it cost to grow old in the United States? Many people look forward to retiring with a healthy savings account and dream of spending their days traveling and spending time with their grandchildren. But as seniors are living longer – the average life expectancy in 2010 is 78 – they are also becoming financially vulnerable when it comes to their ability to meet essential expenses and cover projected costs over their lifetimes.

“Some seniors are faced with a growing financial gap between income and basic needs,” says Allen Hager, CEO and founder of Right at Home, an international provider of in-home care with 175 locations across the U.S., United Kingdom and Brazil. “However, there are resources available to help seniors continue to live independently.”



Rising Costs

Seniors and their loved ones are dealing with the rising costs of food, housing, transportation, and healthcare. While the average Social Security benefit for a couple is $21,569 per year, basic living expenses exceed an average of $31,000 per year.



Rising healthcare costs are a main concern for seniors. Research has shown that Medicare covers only about half of a senior’s medical expenses, contrary to the common belief that Medicare will cover most costs. Seniors spend more on out-of-pocket healthcare expenses than any other age group and their spending is more than double the average of non-elderly adults, according to the National Center for Policy Analysis. Seniors, ages 65 and older, spend an average of $4,888 annually for deductibles, co-payments, premiums and other healthcare expenses not covered by insurance.



Many seniors also must deal with the costs of home care, assisted living, or nursing homes. The costs associated with senior care can vary greatly depending on the number of hours of service needed each day or week, where you are located in the country and the level of services you need. According to a recent survey by MetLife, the hourly rates of home health aide workers and respite care providers range from $8 to $40 per hour. Monthly costs vary widely because of the varying time periods that someone may need care. For example, some people use home care a few hours a day while others use home care around the clock. Cost can also vary depending on the services utilized in your home. The cost of assisted living facilities ranges from $850 to $4,000 per month, while the average cost for a private room in a nursing home is $6,400 per month.



Available Resources

There are many options and tools available to help seniors pay for these necessary expenses. One option is the purchase of long term care insurance. Just like other insurances, with long term care insurance, policy owners pay a premium for coverage in the event that you will need home care, an assisted living facility or a nursing home in the future. There are many different types of policies that you can choose from, some that even protect against inflation. Of course, the best time to apply is when you are healthy, young, and not in need of it.



Long term care insurance can be an important investment in your future, but it’s very important to have all of the facts before you buy. Before you make any decision on whether or not to purchase long term care insurance, you should seek the counsel of your financial advisor, elder law attorney or insurance agent to fully review all of the different types of coverage available.



Another option to pay for costs associated with aging is a reverse mortgage, which allows homeowners ages 62 or older to access the equity they have in their home. The lender makes payments to you, the homeowner, not the other way around. Think of it this way: a reverse mortgage gradually reduces the amount of equity you have in your home by the amount of the payments advanced to you, plus interest on the amount advanced, plus any fees you finance as part of the deal.



The money that is accessed can be used to make improvements and modifications for safety and accessibility, pay for home care needs or a variety of other expenses. The funds you receive are likely to be tax-free and will not affect Social Security payments or Medicare benefits. For more information on reverse mortgages, you can call the Housing Counseling Clearinghouse at 1-800-569-4287 to obtain contact information for an HUD-approved housing counseling agency and a list of FHA-approved lenders in your area. AARP also offers information about reverse mortgages you may find useful, including alternatives to a reverse mortgage. The National Reverse Mortgage Lenders Association (NRMLA) is another great Web site to visit for more information.



The Veteran’s Aid and Attendance Benefit is available to help Veterans and their surviving spouses pay for home care and other care services. The assistance is a benefit paid in addition to monthly pension to those who require the regular attendance of another person to assist in bathing, dressing, meal preparation, medication monitoring or other various activities of daily living. This benefit is available to individuals who reside in assisted living communities, personal care homes, skilled nursing facilities and those receiving personal in-home care. For more information on eligibility and qualifications, visit http://www.rightathome.net/seniorhomecare/?p=334 or contact Right at Home, Central Oregon





About Right at Home®

Founded in 1995, Right at Home is an international organization that provides in-home companion and personal care and assistance to seniors and disabled adults who want to continue to live independently. Locally-owned and independently operated Right at Home offices directly employ all caregiving staff, each of whom is thoroughly screened, trained, bonded and insured prior to entering a client's home. Right at Home, Central Oregon is one of more than 200 franchise locations across the U.S., United Kingdom and Brazil. For more information, contact 541-633-7436 or visit our website at http://www.rightathomeco.com