Senior Planner - Issue 5, January 2024

SeniorPlanner Southern Oregon’s

YOUR RETIREMENT GUIDE TO YOUTHFUL LIVING JANUARY 2024

A Comprehensive Look at Navigating Long-Term Care Challenges and Opportunities

By Jasmine Kahlil OREGON RESIDENTS worried that Oregon may adopt similar legislation like Washington state.

As Washington state introduces a tax for long-term care, it prompts us to examine the broader landscape of aging services, particularly in neighboring Oregon. This article aims to provide unbiased information for senior citizens, addressing key topics such as the cost and value of long-term care, inheritance preservation, staffing issues in assisted living, challenges in hospital discharges, Medicaid eligibility with home ownership, veterans’ aid, and attendance, rising costs of memory care, closure of adult foster homes, and the evolving Medicaid landscape in assisted living communities.

Long-term care may come with a significant financial burden to some; It is crucial for seniors to understand the costs involved and weigh them against the value of receiving proper care tailored to their needs.

Assisted living and memory care facilities often grapple with staffing imbalances, allocating resources heavily to sales and marketing instead of caregiving. This article explores the consequences of such imbalances, including delayed care, missed meals, and infrequent showers, and advocates for a reevaluation of staffing priorities.

The rapid discharge process from hospitals can sometimes be detrimental to seniors. This section sheds light on the motivations behind quick discharges and offers insights on how seniors can advocate for their best interests during these transitions.

Many seniors’ own homes and have savings, making them question their eligibility for Medicaid. This segment provides guidance on navigating Medicaid when owning a home and having substantial savings.

For veterans who served during periods of war, there exists an aid and attendance program that they may qualify for, irrespective of disability denials which may benefit the eligibility criteria for veterans in need of long-term care.

The closure of adult foster homes and the decision of assisted living communities to drop Medicaid contracts are discussed in this section. Understanding the reasons behind these trends is crucial for seniors and their families in making informed decisions.

Comparing Oregon’s approach to long-term care with other states provides valuable insights into the state’s unique policies and programs. This section explores how Oregon addresses the needs of its aging population.

For help navigating the complex landscape of long-term care, seniors in Oregon can rely on companies like, Team Senior and others that have understanding navigating the various challenges and opportunities available. By staying informed about Medicaid eligibility, veterans’ aid, staffing concerns, and state-specific approaches to long-term care, seniors can make informed decisions to ensure their well-being in their later years.

FEATURING LISA McCLOWRY as

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Discover Your Perfect RV at Affordable Truck and RV – Tailored Just for Seniors!

By Justin Bashans ARE YOU READY to embark on new adventures and create lasting memories? Look no further than Affordable Truck and RV, a family-owned dealership dedicated to serving the community since 2002. Nestled in Grants Pass, OR our veteran-owned and employed dealership takes pride in offering a wide range of affordable RVs, catering to the unique needs of seniors.

Founded by a Navy veteran, Affordable Truck and RV understands the importance of family time and making the most of your golden years. Our spacious location at 324 Redwood Hwy in Grants Pass, OR, is designed to provide a welcoming and inclusive environment for everyone, including your beloved pets and grandchildren.

Explore our extensive selection of new and used RVs from top manufacturers, featuring Class A motorhomes, Class B camper vans, Class C mini motorhomes, toy-haulers, and travel trailers. Our experienced sales team is committed to helping you find the perfect RV that suits both your needs and budget.

Affordable Truck and RV has been a proud part of the community, actively supporting programs that benefit seniors and kids in Josephine County. Our owner, Art Woolard, is deeply rooted in the community and believes in giving back.

We sponsor various kids’ sport activities, support the Livestock Auction at the Josephine County Fairgrounds, and have collaborated with the YMCA to donate a building for a lowcost daycare facility.

But our commitment doesn’t stop at sales – we offer financing options, a fully-stocked parts department, and exceptional service to ensure you enjoy your RV for years to come. As a financially stable dealership, we prioritize customer satisfaction and aim to make every customer a lifelong member of the Affordable Truck and RV family.

Embark on your RV journey today! Visit us at atrvs.com or call 541-479-3432 to schedule a visit. Let Affordable Truck and RV be your trusted partner in finding the perfect RV for your senior adventures.

www.applegategolf.com

(541) 955-0480 proshop@applegategolf.com 7350 New Hope Road Grants Pass, OR 97527 2

JANUARY 2024

Medicare Part B Premiums to Increase in 2024

By Jim Randall THE CENTERS for Medicare & Medicaid Services (CMS) has recently revealed adjustments to the standard monthly premium and annual deductible for Medicare Part B in 2024. The standard monthly Part B premium is set to increase to $174.70, marking a rise of $9.80 from the 2023 premium of $164.90.

In addition to the premium adjustment, the annual deductible for all Medicare Part B enrollees is slated to be $240 in 2024. This reflects an increase of $14 from the 2023 deductible, which stood at $226. These changes come as part of the annual reassessment by CMS to ensure the sustainability and effectiveness of the Medicare program.

The adjustment in premiums and deductibles is a response to various factors, including rising healthcare costs and the need to maintain the quality of services provided under Medicare Part B. While the increase in premiums may impact

beneficiaries’ budgets, CMS aims to strike a balance between fiscal responsibility and ensuring access to essential healthcare services for the nation’s seniors.

Medicare Part B covers outpatient care, preventive services, and certain home health care services. It plays a crucial role in supporting the health and well-being of millions of Americans aged 65 and older.

Beneficiaries are encouraged to stay informed about these changes and explore available resources to make informed decisions regarding their healthcare coverage.

As the CMS implements these adjustments, it underscores the ongoing commitment to addressing the evolving needs of Medicare beneficiaries and maintaining the program’s sustainability in the face of changing healthcare dynamics. The CMS recommends beneficiaries to review the details of the changes and consult relevant resources to understand the implications for their specific circumstances in the upcoming year.

541.660.8739

Improve Your Golf Putting Skills

By Ingram Maurice Flannagan GOLF PUTTING is often considered the most crucial aspect of the game, as it can make or break your overall performance.

Improving your putting skills requires a combination of technique, focus, and practice. Here are some tips to help you elevate your golf putting game.

Firstly, ensure proper alignment. Stand parallel to your target line with your feet shoulder-width apart. Align the putter face square to the target, enhancing accuracy and consistency. Maintaining a relaxed grip is essential; a tight grip can hinder your feeling for the putter and affect your stroke.

Next, focus on your stance and posture.

Bend slightly at the waist, keeping your eyes directly over the ball. This promotes a smooth, pendulum-like putting stroke.

Develop a routine that includes visualizing

the putt’s line and committing to it. Trust your instincts and avoid overthinking.

Practice distance control by varying putt lengths. Develop a consistent pendulum motion, adjusting the length of your backswing to control distance. Incorporate drills that emphasize short putts to build confidence and accuracy.

Lastly, embrace the mental aspect of putting. Stay calm and focused, visualizing successful putts. Learn from misses and use them as opportunities to refine your technique. By combining these tips with regular, focused practice, you’ll find yourself making more putts and mastering the art of golf putting.

EVENTS • Club Sixty, 1150 NE 9th Street Grants Pass, 541-660-2591 Activities and classes, every Tuesday & Thursday beginning at 9am Check their website for schedules and more info: www.clubsixty.org

CULTURE ∙ DINING ∙ LIFESTYLE

www.grantspassmag.com

ALSO READ US ONLINE AT www.Seniorplanner.net 3

FREE Senior Living Guidance

PROVIDING FREE GUIDANCE FOR SENIORS AND THEIR FAMILIES SINCE 2016

We’ll simplify your search with one quick phone call!

CALL US FIRST We can help with: • In Home Care • Medicaid Spend Down Annuity • Home Health • Veteran’a Aid & Assistance • Memory Care • Adult Foster Homes • Hospital & Rehab Discharges NEVER A CHARGE TO THE FAMILY!

We can help you make educated decisions without having to make hours of calls yourself regarding costs, quality of care, vacancies, reputation and more.

Being locally owned means no franchise dollars leave Southern Oregon — We reinvest in our community!

Contact Jamie Callahan, CEO for more information (541) 295-8230

www.teamsenior.org | 541.295.8230 4

JANUARY 2024

RECIPE

Sponsored by

Gluten-Free Pacific Northwest Marionberry Cake For those of you with restrictive diets, or those that simply just prefer to cut gluten we have a delectable solution! Indulge in the vibrant flavors of the Pacific Northwest with our Gluten-Free Marionberry Cake recipe. Bursting with the sweet essence of locally harvested Marionberries, this delightful treat is not only a celebration of the region’s iconic fruit but also a gluten-free delight for those with dietary preferences. Crafted with a tender gluten-free batter and generously studded with plump Marionberries, each bite of this cake offers a taste of the lush landscapes and bountiful orchards of the Pacific Northwest. Follow along as we guide you through creating a moist, flavorful cake crowned with a homemade Marionberry sauce – a dessert that embodies the essence of the region while accommodating a gluten-free lifestyle.

INGREDIENTS: • 2 cups gluten-free all-purpose flour • 1 teaspoon baking powder • ½ teaspoon baking soda • ½ teaspoon salt • ½ cup unsalted butter, softened • 1 cup granulated sugar • 2 large eggs • 1 teaspoon vanilla extract • 1 cup buttermilk • 1½ cups fresh or frozen Marionberries (if using frozen, thaw and drain excess liquid) • 2 tablespoons gluten-free all-purpose flour (for coating Marionberries)

“At the Grants Pass Gospel Rescue Mission, we are bound to proclaim Jesus Christ to the homeless and needy of Josephine County in a spirit of care by assisting with clothing, spiritual counseling, education, food, healthcare and shelter. We accomplish all this with an attitude of commitment.”

gospel rescuemission gp.org 540 SW Foundry St. Grants Pass, OR 97526

For the Marionberry Sauce: • 1½ cups Marionberries • ¼ cup granulated sugar • 1 tablespoon lemon juice • 1 tablespoon water INSTRUCTIONS: 1) Preheat your oven to 350°F (175°C). Grease and flour a 9-inch round cake pan. 2) In a medium bowl, whisk together the gluten-free all-purpose flour, baking powder, baking soda, and salt. Set aside. 3) In a large mixing bowl, cream together the softened butter and granulated sugar until light and fluffy. 4) Add the eggs one at a time, beating well after each addition. Stir in the vanilla extract. 5) Gradually add the dry ingredients to the wet ingredients, alternating with buttermilk. Begin and end with the dry ingredients. Mix until just combined. 6) Toss the Marionberries in 2 tablespoons of gluten-free all-purpose flour to coat them. This helps prevent them from sinking to the bottom of the cake. 7) Gently fold the floured Marionberries into the batter. 8) Pour the batter into the prepared cake pan, spreading it evenly. 9) Bake in the preheated oven for 40-45 minutes, or until a toothpick inserted into the center comes out clean. 10) While the cake is baking, prepare the Marionberry sauce. In a saucepan over medium heat, combine Marionberries, granulated sugar, lemon juice, and water. Simmer for about 10-15 minutes, stirring occasionally, until the berries break down and the sauce thickens. Remove from heat and let it cool. 11) Once the cake is done, remove it from the oven and let it cool in the pan for 10 minutes before transferring it to a wire rack to cool completely. 12) Drizzle the Marionberry sauce over the cooled cake before serving. Slice and enjoy the delicious taste of the Pacific Northwest in this gluten-free Marionberry cake!

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Should You Hire a Personal Trainer After the Age of 50?

By John Oliver WHEN I TURNED 50 a few years back one of the first things I did was hire a personal trainer to better understand and train myself for my aging body versus my younger one. As individuals transition into their 50s and beyond, the importance of maintaining a healthy and active lifestyle becomes increasingly evident. Many may find themselves contemplating whether to enlist the expertise of a personal trainer to guide them on their fitness journey. The question arises: Should you hire a personal trainer after age 50, and why?

Age should never be a barrier to prioritizing one’s health, and personal trainers can offer tailored support that addresses the unique needs and concerns of individuals over 50. Here’s why considering a personal trainer could be a game-changer for those in this demographic.

to accommodate these changes, ensuring that exercise remains both beneficial and enjoyable.

Customized Workouts: Personal trainers specialize in creating personalized workout routines based on an individual’s fitness level, health conditions, and goals. After 50, the body may respond differently to exercise, and a customized plan can ensure optimal results while minimizing the risk of injury.

Ultimately, the decision to hire a personal trainer after age 50 is a personal one, but the potential benefits are clear. It’s an investment in health, well-being, and an active lifestyle that can make a significant difference in the quality of life during the golden years. Before starting any new fitness program, individuals are advised to consult with healthcare professionals to ensure that their chosen approach aligns with their health status and goals.

Safety First: Trainers are well-versed in designing safe and effective exercise regimens. This is particularly crucial for older adults who may have specific health considerations or pre-existing conditions.

A personal trainer can guide individuals through exercises with proper form, reducing the likelihood of injuries.

Motivation and Accountability: Staying committed to a fitness routine can be challenging, but a personal trainer serves as a source of motivation and accountability. Regular sessions create a structured approach, and the encouragement from a trainer can make the process more enjoyable and sustainable.

Adapting to Changing Needs: Aging often brings changes in mobility, flexibility, and overall physical capabilities. A personal trainer can adapt workouts

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Social Interaction: Engaging in regular exercise with a personal trainer provides an opportunity for social interaction. This aspect is crucial for mental well-being, and the social support can enhance the overall fitness experience.

A Holistic Approach: Personal trainers often will take a holistic approach, incorporating not only physical exercises but also guidance on nutrition, stress management, and lifestyle choices. This comprehensive strategy can contribute to overall health and longevity.

JANUARY 2024

Your Checklist for When It’s Time to Stop Driving

By Linc Yarbrough FOR MANY SENIORS, the prospect of surrendering their driver’s license can be a challenging and complex decision.

Driving is not merely a means of transportation but often a symbol of independence and freedom. However, it is essential to address this matter with a focus on safety and well-being.

As individuals age, factors such as changes in vision, reaction time, and overall health can influence driving abilities.

Recognizing when it might be time to stop driving is a crucial step in ensuring the safety of oneself and others on the road.

Key considerations for seniors include: Physical Health: Regular check-ups with healthcare professionals can help assess physical health and anything that may impact driving abilities.

Vision Changes: Eyesight naturally changes with age. Regular eye exams are vital for monitoring vision and addressing any issues that may affect driving.

Reaction Time: Slower reaction times can be a natural part of aging. It’s essential to be aware of any noticeable changes.

Medications: Certain medications may cause drowsiness or other side effects that affect driving. Consult with a healthcare provider to understand the potential impact of medications on driving abilities.

Self-Assessment: Regularly evaluate personal comfort and confidence behind the wheel. If driving becomes stressful or challenging, it may be time to reconsider. Preforming a self-assessment can be challenging for some so if it helps ask a loved one for their honesty and assistance.

Driving Incidents: Pay attention to any near misses, accidents, or traffic violations.

These occurrences may indicate a need for a reassessment of driving capabilities.

It’s crucial for seniors to engage in open and honest conversations with family members, friends, and healthcare providers about their driving abilities. Loved ones can play a supportive role in monitoring changes and helping seniors make informed decisions.

State licensing agencies often provide resources and tools for self-assessment, and there are driving rehabilitation programs designed to enhance driving skills and confidence for seniors.

Ultimately, the decision to stop driving is a highly personal one, and there is no set age at which it becomes mandatory.

It is about recognizing one’s own capabilities and making responsible choices to prioritize safety. By staying informed, seeking support, and proactively addressing concerns, seniors can navigate this transition with confidence and ensure the safety of themselves and others on the road.

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