elderly

Guest Blog: Fraud, Scams, and Other Challenges Elders Face

Elder fraud is an enormous problem that involves massive financial loss and elder abuse. The misappropriation of finances and financial control is known as elder financial abuse or financial exploitation. Elders report losing approximately $1.17 billion each year, but the AARP estimates a more accurate number is probably closer to $40 billion.

Scams and Challenges Faced by Seniors

Elders face losing their independence, neglect and abuse, diminished physical ability, and age discrimination. Even healthy elderly individuals may fall prey to schemes at the hands of criminals or family.

Elderly individuals who require daily assistance may suffer abuse and neglect from caregivers and family members. Being left dirty and unbathed is one of the many signs of neglect that point to elderly abuse. Be on the alert for fraud and abuse perpetrated towards seniors.

What is Elderly Fraud?

Elder fraud is a scam operation that targets seniors. The scammer may be a family member or friend, or a stranger. The most common way for seniors to be targeted is over the Internet or email through phishing techniques, such as:

  • Internet offers or emails advertising discount prescriptions and low-cost health coverage
  • Internet offers that advertise financial support through home-equity loans or retirement savings
  • Friendships evolving through email communications, phone calls, and social media

Telemarketing Frauds and Common Schemes

An FBI sting in 1980 involving specialized AARP members led to 1200 arrests and hundreds of convictions for fraudulent telemarketers selling water purifiers, vacations, sweepstakes, and environmental packages. Telemarketing fraud is still a large concern for seniors. Other typical elderly fraud schemes include:

Romance: Criminals seek to capitalize on elderly victims who desire to find a companion using dating websites and social media.

Grandparent: Criminals contact an elderly individual claiming to be a child or grandchild and needing immediate financial assistance.

Technical support: Criminals contact the elderly individual and offer to fix nonexistent technical issues to gain access to their devices and obtain sensitive information.

Sweepstakes or lottery scams: Criminals contact the elderly victim and claim they won a lottery or sweepstakes for which they require a fee.

Government impersonation: Criminals pose as government employees and threaten to arrest or prosecute elderly individuals unless they provide payments.

Home repair: Criminals appear in person at the elderly individual’s property to offer home-improvement services that they never provide.

Family or caregivers: Relatives and acquaintances of elderly individuals may seek to take advantage of them to obtain money or property.

TV/radio: Criminals seek to target potential victims using false advertisements for services such as reverse mortgages and credit repair.

COVID-19 Elderly Scams

During the COVID-19 pandemic, elderly fraud substantially grew as elders were separated from their close family and friends to avoid the virus. Some COVID-19 scams involved selling counterfeit products like air filters, vaccines, and testing, as well as contact tracing schemes designed to trick elders out of money and gain pertinent personal information.

Multiple scams continue to target the elderly concerning COVID-19, including Social Security Administration (SSA) scams and charity requests. One study estimated that one in 10 seniors fell victim to elderly fraud in 2018, and this number increased during the pandemic as elders faced:

Similar Concerns

Seniors tend to share similar concerns, including high medication costs, a need for healthcare coverage, dwindling retirement funds and plans to provide for their loved ones. Phishing emails on these specific topics grab personal information.

Isolated or Alone

Seniors are uniformly isolated and spend much of their daily lives alone. In many cases of elderly fraud, if the victim had spoken to a family member or a friend, the scam would not have happened.

Naïve and Trusting

While most individuals over the age of 30 do not have any memories without the Internet, most seniors have lived their lives without using email or the Internet and have misappropriated trust. They are unaware of the complexities behind a seemingly safe email.

Diminished Decision-Making Skills

Most seniors experience some diminished mental capacity, and this affects their decision-making abilities.

Elderly Schemes Based on Personal Info

Some schemes are more targeted and involve emails and phone calls using personal information to target the individual. These targeted attacks use information gleaned through general phishing attacks to draw the individual into a scam.

Elderly fraud has resulted in devastating losses for victims, and the US Consumer Financial Protection Bureau has found that victims suffer an average loss of $34,200 through such scams. The FBI elder fraud department is focused entirely on elderly scams.

By |2023-07-31T12:44:57-05:00August 6th, 2023|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: Fraud, Scams, and Other Challenges Elders Face
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Navigating the Financial Decisions Seniors Face After Becoming Widowed – And How Caregivers Can Help

Experiencing the loss of a spouse is a major change for anyone to deal with, but for seniors who have shared their life with one person for years, losing a spouse often brings about unexpected consequences. Besides dealing with grief, there are also financial issues to confront.

Seniors who are going through this loss often feel overwhelmed by the decisions they need to make and how those decisions will impact their future. This is where adult children or other caregivers can make a big difference by helping your loved one make sense of it all, so they can move forward with a solid financial plan.

Read on for some more thoughts from International Rehabilitation Consultants.

Knowing When and How to Help

 As a caregiver of someone in this position, one thing you may be concerned about is whether your senior loved one should continue managing their own finances. Next Avenue points out that it’s important to address this concern openly before making any decisions. If you both feel like it’s a good idea for you to help, you will want to have your loved one sign a durable power of attorney, which will give you legal authority to access and manage accounts.

In some cases, your loved one may be able to manage their own accounts with a little assistance. Tech-savvy seniors should look into online banking, or as Bankrate recommends, consider trying apps that help, such as SilverBills or Ready, Set, Bank.

If your loved one wants to set up a nonprofit in their spouse’s memory and honor, you can help walk them through the process. Visit Zenbusiness to learn about legal requirements you need to tend to set up a nonprofit.

Health and Safety Concerns

 Besides helping with the mundane financial tasks, you can also help by looking over your loved one’s financial statements to make sure their health needs are being met. This is especially important if your loved one is living alone because health and safety could become a concern.

One specific area to discuss is healthcare coverage. You can start by asking what kind of Medicare plan they have or if they get insurance through retirement benefits, either their own or through their spouse. This is a crucial question, as the death of a spouse may change your loved one’s eligibility for employer retirement benefits.

If your loved one has Medicare, you may want to look into whether a Medicare Advantage plan would be right for their financial situation. These plans are sold through popular companies like Aetna, and many seniors like the expanded benefits they provide, such as dental and vision care and prescription drug coverage.

Taking the Next Steps

 Once you’ve looked at your loved one’s overall financial outlook, the next major question is “Where do we go from here?” Depending on your loved one’s income and savings, they may not need to make major changes. However, some seniors who become widowed are dealt a financial blow as a result of losing their spouse’s income.

In this case, it’s a good idea to seek advice from a financial advisor so that you don’t rush into decisions that could prove detrimental in the long term. For example, there are some tax implications of becoming widowed, including the decision to make early withdrawals from retirement savings. Doing this may seem like a good option for replacing a spouse’s lost income, but your loved one may lose out by having to pay additional taxes and penalties.

Another major consideration is whether your loved one will continue living at home. This is a personal decision, and finances are only part of the equation. If your loved one decides to sell their home, this is another issue where you want to do your research and consult with an expert, such as an attorney, who can guide you in the legal aspects of selling as a widow or widower.

By |2023-06-30T10:36:49-05:00July 3rd, 2023|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Navigating the Financial Decisions Seniors Face After Becoming Widowed – And How Caregivers Can Help
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Guest Blog: Tips for Caregivers Helping Seniors with Anxiety

 

Taking care of seniors with anxiety requires special attention and understanding. As a caregiver, providing the necessary support and creating a nurturing environment for seniors to manage their stress effectively is essential. This article offers practical tips for caregivers to help seniors cope with anxiety and improve their overall well-being.

Understanding Anxiety in Seniors:

Various factors contribute to anxiety in seniors, including health issues, life transitions, loss, loneliness, and cognitive changes. Understanding these causes can help caregivers identify potential triggers and provide appropriate support. Anxiety in seniors may manifest through physical symptoms (e.g., restlessness, fatigue) or emotional signs (e.g., excessive worry, irritability). Recognizing these signs enables caregivers to intervene and provide appropriate assistance. Empathy and effective communication create a safe space for seniors to express their concerns. Caregivers should listen attentively, validate their emotions, and show understanding to build trust and facilitate open dialogue.

Creating a Calm and Supportive Environment:

A. Establishing a routine and predictable schedule:

Seniors benefit from a consistent routine that provides structure and reduces uncertainty, which can contribute to anxiety. Caregivers should create a schedule that incorporates regular activities, meals, and relaxation time.

B. Providing a safe and comfortable living space:

A peaceful and relaxing environment is essential for seniors with anxiety. Caregivers should ensure that the living area is organized, clutter-free, and offers security.

C. Reducing environmental stressors and promoting relaxation techniques:

Caregivers can minimize ecological stressors, such as excessive noise or bright lights, and encourage relaxation techniques like deep breathing exercises, meditation, or gentle music to help seniors relax and alleviate anxiety.

Active Listening and Emotional Support

Caregivers should actively listen to seniors, paying attention to their verbal and non-verbal cues. Showing empathy and understanding validates their feelings, fosters trust, and encourages open communication. It is crucial to create a safe space for seniors to share their anxieties and worries. Caregivers should encourage them to express their emotions and actively engage in supportive conversations. Seniors often seek reassurance during anxious moments. Caregivers can provide validation, empathy, and gentle reminders of their strengths and abilities to help alleviate their anxiety.

Encouraging Social Engagement and Support

Physical activity has proven benefits for mental health. Caregivers should encourage seniors to engage in exercises suitable for their abilities, such as walking, gentle stretching, or chair exercises. Regular physical activity releases endorphins, reduces stress, and promotes overall well-being.

A balanced diet is essential for controlling anxiety. According to carers, seniors should have access to nourishing meals that contain a variety of fruits, vegetables, whole grains, lean meats, and healthy fats. Additionally, caregivers should encourage seniors to stay hydrated as dehydration can exacerbate anxiety symptoms. Promoting adequate sleep and relaxation techniques. Sufficient sleep is essential for seniors’ mental health. Caregivers should help establish a bedtime routine that promotes relaxation, such as avoiding stimulating activities before bed and creating a comfortable sleep environment. Additionally, caregivers can teach seniors relaxation techniques like deep breathing exercises, meditation, or listening to soothing music to help them unwind and reduce anxiety.

Providing Cognitive and Behavioral Strategies

Seniors can quiet their brains and lessen worry by engaging in deep breathing exercises, meditation, and mindfulness practices. Seniors can be assisted in using these strategies by their carers, who can also gently remind them to do so when their anxiety levels are at their highest.

Seniors can question negative beliefs and reframe them more positively and realistically by using cognitive-behavioral therapy (CBT) approaches. Seniors can receive caregiving support by being encouraged to recognize destructive thinking patterns and swap them out for more powerful and positive ones.

Seniors can benefit from the problem-solving and stress management skills that carers can teach them to deal with worry. Seniors can be given the tools they need to take control of their anxiety and discover practical coping mechanisms by being encouraged to recognize stressors, break difficulties down into manageable stages, and investigate viable solutions.

Seeking Professional Help and Support

Caregivers caring for seniors need to recognize when elderly may require professional intervention for their anxiety. If anxiety significantly interferes with daily life, causes distress, or persists despite other efforts, caregivers should encourage seniors to seek help from mental health professionals.

Self-Care for Caregivers

To effectively help elderly patients who are experiencing anxiety, carers must put their health first. Maintaining physical and mental health requires engaging in self-care practices, including exercise, relaxation methods, and hobbies, and asking for help from other carers or support groups.

Connecting with other carers who have gone through similar things may be a great support system. Insights may be shared, help can be sought, and carers can feel more at ease knowing they are not making this trip alone.

Caregivers should recognize and manage their stress levels by implementing stress-management techniques such as deep breathing, meditation, or engaging in enjoyable activities. Allocating time for personal well-being helps caregivers recharge and approach their caregiving responsibilities with renewed energy and compassion.

Conclusion

Ongoing support and understanding are crucial in helping seniors manage anxiety. Caregivers can create a nurturing environment that fosters seniors’ mental well-being by being attentive, patient, and compassionate. Elders’ life can be significantly improved by carers’ efforts, who play a crucial role in helping elders who are experiencing anxiety. Carers may help seniors who suffer from pressure by using these suggestions and techniques to show compassion and improve their general well-being.

 

By |2023-06-05T12:34:34-05:00June 5th, 2023|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: Tips for Caregivers Helping Seniors with Anxiety
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Guest Blog: Assisted Living Vs. In-home Care: Which Is Right For Your Senior?

Introduction

As our loved ones age, it’s natural to consider their long-term care options. Two popular choices are assisted living and in-home care. Both provide essential services, but they differ in several ways. Making the right decision can be challenging, but understanding the key differences between the two options is crucial.

Whittier assisted living offers both options, and selecting the right one depends on various factors, such as personal preferences, health conditions, and budget. In this article, we will explore the differences between assisted living and in-home care, so you can make an informed decision that ensures the comfort, safety, and well-being of your senior loved one.

Pros and Cons of Assisted Living for Seniors

Seniors who require some level of support with everyday activities can benefit significantly from assisted living, but there are also certain negatives to consider. The following are some benefits and drawbacks of assisted living:

Pros:

  • Seniors in assisted living facilities can get care and assistance from qualified carers around-the-clock.
  • Seniors can interact with other residents and participate in assisted living activities.
  • Seniors may find it more convenient to live their everyday lives thanks to the usual provision of meals, housekeeping, and other services.

Cons:

  • The expense of assisted living may not be covered by insurance or government programs.
  • Seniors living in assisted living facilities could feel as though they are losing their freedom and simple control.
  • Assisted living facilities may provide seniors less privacy than independent living in their own homes.

Overall, assisted living can be an excellent choice for senior citizens who require some help with daily tasks and desire to interact with other seniors. However, when making this choice, it’s crucial to consider the cost and loss of independence.

Would Your Senior Loved One Benefit More From In-Home Care?

In-home care is a popular option when thinking about care alternatives for your elderly loved one. Here are some explanations as to why it might be preferable:

  • In-home care offers individualized care catered to your senior’s needs, ensuring they get the support and attention they need.
  • Your senior loved one can continue to live in the familiarity and comfort of their own home, which can improve their mental and emotional health.
  • Your senior may preserve their independence and autonomy with in-home care, allowing them to enjoy life on their terms.
  • If your senior needs minor support with daily living activities, in-home care may be less expensive than assisted living.

Considering these elements, you may decide whether in-home care is a better choice for your elderly relative or friend, enabling them to get the care they require while maintaining their quality of life.

Evaluating Your Senior’s Needs

It’s critical to evaluate the individual needs of your elderly loved one before deciding on assisted living or in-home care.

  • Elements to consider include mobility and capacity for daily tasks, including eating, dressing, and bathing.
  • It’s vital to consider your senior’s social requests, remembering their requirement for organization and cooperation for bunch exercises.
  • Their choice for autonomous or helped living, as well as the administration of their clinical issues and doctor-prescribed meds, are significant elements.
  • It’s vital to assess monetary factors, like protection inclusion and clinical costs.

In-Home Thought versus Aided Residing: The Value of Cost Examination

Cost is an essential variable to consider while picking helped dwelling and in-home thought for seniors. The following justifies the importance of cost comparison:

  • The monthly cost of assisted living can range from $3,500 to $10,000, while the hourly cost of in-home care is generally between $15 and $30.
  • To make an informed decision, it’s crucial to assess the costs of both options and determine which fits within your budget.
  • Assisted living may have hidden costs, such as upfront fees, meal plans, and additional services, which can significantly impact the overall cost of care.
  • In-home care is more customizable, allowing you to pay only for the services your senior loved one needs, potentially resulting in lower costs.
  • The care location can also affect the overall cost, as assisted living may be more expensive in certain areas.

Understanding the Level of Care Your Senior Needs

When choosing between assisted living and in-home care, it is essential to understand the level of care your senior requires.

  • If your senior has advanced care needs, such as dementia or Alzheimer’s disease, they may require the specialized care and support provided by an assisted living facility.
  • If your senior requires minimal ADL assistance, in-home care may be better.

Choosing Between Assisted Living and In-Home Care

When choosing between assisted living and in-home care, it’s essential to consider each option’s flexibility.

  • In-home care allows seniors to remain in the comfort of their own homes and maintain their independence while still receiving necessary care.
  • Assisted living provides a more structured environment with 24-hour care and access to various services and amenities.
  • Consider the level of flexibility your senior loved one requires and your preferences and lifestyle.

Safety and Security

Safety and security are key considerations when it comes to caring for seniors.

  • In-home care may require modifications to the home to ensure safety and accessibility, such as installing grab bars in the bathroom or ramps for wheelchair access.
  • Assisted living facilities provide 24-hour supervision, emergency response systems, and secure environments to ensure the safety and well-being of residents.
  • Consider the specific safety needs of your loved one, such as fall risks or wandering behaviors, and evaluate which option can provide the necessary support and security.

By prioritizing safety and security, you can ensure your senior loved one receives the care they need in a safe and comfortable environment.

Evaluating Your Options and Making an Informed Decision

Ultimately, finding the right fit for your senior loved one requires careful evaluation of all options.

  • Research and visit potential facilities or in-home care providers to evaluate their services and amenities.
  • Consider the costs, level of care, and flexibility of each option, as well as the specific needs and preferences of your loved one.
  • Don’t hesitate to ask questions and seek advice from healthcare professionals, family members, or friends who have gone through a similar experience.

By evaluating your options and making an informed decision, you can ensure that your senior loved one receives the care and support they need to live a happy and healthy life.

Conclusion

In conclusion, deciding between assisted living and in-home care for your senior loved one can be difficult. It is essential to carefully consider their unique needs and preferences and the level of care and support they require. With the help of resources like Whittier assisted living, you can make an informed decision that supports your senior’s overall well-being and quality of life.

 

By |2023-05-05T18:57:22-05:00May 5th, 2023|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: Assisted Living Vs. In-home Care: Which Is Right For Your Senior?
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Guest Blog: 5 Pain Management Tips for Elders Dealing with Knee Pain

Knee pain is a common ailment for older adults. Unfortunately, the swelling and stiffness that lead to this condition can stop patients from performing daily routines. Here are five pain management tips for elders with knee pain.

An inactive lifestyle can contribute to pain and inflammation in the knee. On the other hand, regular exercise can help keep the muscles that support the knee joint strong and flexible. Try doing low-impact activities such as walking, swimming, or biking. Always increase the intensity of your workout gradually. Stop if your knees hurt.

Ice Packs and Heat Therapy

Applying ice packs to the affected area can reduce swelling and inflammation. Use an ice pack for 10-15 minutes every 2-3 hours for the first 2-3 days. Then reduce the frequency and duration of use over time. Apply heat to the knee using a heating pad. You can also apply a warm, moist towel to the knee several times daily to reduce pain and stiffness.

Medication

Over-the-counter medications such as aspirin and ibuprofen can help reduce inflammation and pain. However, these medications should be given under a physician’s prescription. Talk to your doctor about the best treatment option for you.

Maintain a Healthy Weight

Weight gain can increase the pressure on the knee joint and lead to pain and discomfort. Maintaining a healthy weight through diet and exercise can help relieve this pressure and keep the knee joint healthy. See your doctor to help you develop a weight-loss plan tailored to your needs and goals.

Massage Therapy

Massaging the knee joints can also help improve the flexibility and mobility of the knee and promote healing. This is especially useful for individuals recovering from injury or surgery. A physical therapist will apply gentle pressure to specific body areas to promote relaxation and encourage blood flow. Studies have proven that massage therapy can help reduce pain and improve joint function in people with arthritis and other inflammatory conditions.

Knee Joint Pain Remedies

If you are experiencing knee pain, many remedies are available to help ease and improve your mobility. Below are some tips to help improve your overall health and reduce knee pain.

Rest

Rest sore joints as much as possible. Avoid activities that cause pain when your knee is painful or swollen. This can help reduce inflammation and relieve some of the pain. Rest for at least a few days to allow your knee joint to heal. In the meantime, try to keep the knee in as straight of a line as possible.

Acupuncture

This is a clinically tested procedure involving inserting fine, sterile needles into the skin at specific points that correspond to different body systems. Regular acupuncture sessions can reduce pain and improve the range of motion.

Compression Bandage

Compression bandages are also known as elastic knee bands. Wearing a compression bandage can help reduce swelling in your knee and improve mobility. The bandage also provides support to help keep the joints stable and prevent further injury.

Stretches

Stretching can also help to improve flexibility and reduce pain. One stretch that is particularly effective for knee pain relief is the quadriceps stretch. It involves straightening one leg and bending the other at the knee so that the shin is parallel to the ground. Keep your back straight as you hold the stretch for 20-30 seconds, and repeat with the other leg.

Aromatherapy

Massaging oils such as eucalyptus into the knee joint can also relieve pain and stiffness. Essential oils containing cinnamon, sesame, orange and ginger can help reduce pain caused by osteoarthritis. They may also improve flexibility and functionality in the knees.

When to Seek Medical Advice?

If the pain persists for more than one week or worsens over time, you should make an appointment with your doctor so they can help diagnose and treat your pain. You may also want to visit your doctor if you experience redness, swelling, muscle weakness, or when you can’t put weight on your knee. Your doctor will examine your knee for mobility, flexibility and general functionality. MRI/CT or X-rays scan can help identify injuries or deformities. Occasionally, your doctor may need a small amount of joint fluid for testing.

Knee pain can cause discomfort and prevent you from doing daily routines. Thankfully, the above tips can help you overcome pain and discomfort in your knees.

 

 

By |2023-01-31T14:33:38-05:00January 31st, 2023|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: 5 Pain Management Tips for Elders Dealing with Knee Pain
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