Hybrid Long-Term Care Insurance

by Randall J. Ryder on September 2, 2010

4048255540 08b4e5403e Hybrid Long Term Care Insurance

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Many individuals contemplating retirement and the potential of needed, at some point in their lives needing assistance in their place of residence consider long term care insurance as a means to provide for future care.This type of insurance provides an array of services ranging from home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer’s facilities.

If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to 7 days a week, 24 hours a day (up to the policy benefit maximum).

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Alzheimer’s Disease: No Cure as Yet

by Randall J. Ryder on September 1, 2010

82241276 9c3c062f38 Alzheimers Disease: No Cure as Yet

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A great deal of research has been directed at finding ways to reduce the effects or the progression of Alzheimer’s.  While some prescription drugs have been found to reduce side effects of the disease, little progress has been in finding drugs that can cure an individual who has Alzheimer’s. Recent reviews of the state of Alzheimer’s research, therefore, suggest more emphasis should be placed on reducing risk factors of Alzheimer’s prior to its onset.

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Drinking and the Elderly: Too Long of a Cocktail Hour?

by Randall J. Ryder August 30, 2010

While older adults don’t drink as much alcohol as younger people, they can still have trouble with its effects. Because the elderly are prone to acquiring chronic diseases or other health problems and are more likely to use medications, use of alcohol can cause problems that were not evident at a younger age.
The [...]

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The Stress of Hot Weather on the Elderly

by Randall J. Ryder August 24, 2010

Aging adults are more likely to experience the effects of hot weather than younger adults. Physically, older adults cannot adjust to significant changes in temperature as can younger adults.
Combined with this are the effects of prescription drugs which also reduce the body’s ability to adjust to temperature changes.

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Continuous Care Facilities Experiencing Financial Stress

by Randall J. Ryder August 18, 2010

Continuing care retirement communities (CCRCs) provide provide a continuum of care for the elderly ranging from those who are able to live independently, those who require help in an assisted-living facility, and those who require more intensive care in a nursing home. These communities appeal to seniors because they can enjoy an independent lifestyle with [...]

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Employers Offering Support to Caregiver Employees

by Randall P Ryder August 12, 2010

Experiencing the end of a loved one’s life can be a tremendously difficult experience. For many individuals, they are acting as a caregiver during the last part of a loved one’s life.
By itself, that can be an overwhelming experience. Many caregivers, however, still have to balance working at the same time. Fortunately, some companies are [...]

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