elderly

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

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

Guest Blog: Dental Care Tips for the Elderly

The National Institute of Dental and Craniofacial Research revealed in a survey conducted from 1999 to 2004 that periodontal disease (gum disease) is prevalent among seniors aged 65 and older.

Seniors who are smokers are at a higher risk of developing severe gum problems. The research is proof that proper dental care is vital at any age, but especially during the senior years when oral health is most sensitive.

To prevent periodontal disease and other problems that might require emergency dental care, you or your senior family member should follow certain oral health practices.

 Tips for Elderly Dental Care

 Brush your teeth and floss regularly

It is recommended that you brush your teeth with fluoride toothpaste two times a day. Be sure to do the brushing for at least two minutes, and be gentle. If you brush too hard, you might hurt your gums.

Flossing at least once a day is also an important dental care practice. Proper use of dental floss will help remove hard-to-reach food particles wedged between the teeth’ spaces.

Take in Calcium is an essential nutrient that contributes to bone and teeth health. A person who does not have enough calcium can develop osteoporosis, leading to teeth loss when the jaw bone is affected. It is vital, therefore, for seniors to include calcium-rich food in their diet.

According to the American Dental Association, seniors need an average calcium intake of 1,000 milligrams per day. You can get significant amounts of this nutrient from dairy products such as milk, yogurt, cheese, and vegetables like kale, spinach, and broccoli.

Besides calcium, it would help if you also had enough vitamin D in your diet as it is essential for the proper absorption of calcium-rich food.

 Minimize sugar intake

Stay away from sweets that are rich in starch or starchy ingredients as this will destroy your teeth. If you eat or drink anything sweet, be sure to brush your teeth and floss afterward.

 Stop smoking

As mentioned earlier, seniors who smoke are more prone to periodontal disease than non-smokers. Quitting may be challenging, but it’s well worth it because staying away from all forms of tobacco will protect you from gum disease and other dental problems.

Besides following the tips above, it would be best to visit your dentist every six months.

About the Author

Dr. Gary Salwin leads the Glendale Dental Group, Arizona. He and his team treat dental emergencies and perform a whole range of dental services. He has been practicing dentistry for more than 36 years.

 

 

By |2023-01-09T11:14:25-05:00January 19th, 2023|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: Dental Care Tips for the Elderly
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