A Guide for Mature Adults
Interesting Articles You Won’t Want To Miss
This publication is brought to you, an important consumer, by the following businesses: • BGMU & WRECC....................................................11 • Bluegrass Oral Health.................................................7 • Bowling Green Retirement Village...........................19 • Doris Brindley, HRC.................................................13 • Hardy & Son Funeral Homes....................................13 • Hosparus......................................................................5 • Hospice of Southern Kentucky....................................7 • J. C. Kirby & Son Funeral Chapels & Crematory.....23 • Jewelry Barn & Pawn Shop.......................................24 • Johnson-Vaughn-Phelps Funeral Home....................19 • Morris Jewelry.............................................................2 • Quality Insurance Agency.........................................11 • Red Carpet Shop..........................................................5 • South Central Bank.....................................................7 • Southern Kentucky Oral Surgery Associates............19 • WKCT.......................................................................17 3
SIGNS & SYMPTOMS
Prostate cancer is the second most common cancer among men in the world - according to the World Cancer Research Fund International. Prostate cancer is often found before any symptoms arise. Prostate cancer screening contributes to early detection, but many men are reluctant to be screened, feeling that the digital rectal exam is simply too uncomfortable to undergo. Men should speak with their physicians to determine if screening is for them. Men who choose not to get screened for prostate cancer may benefit from learning as much as possible about the disease. Recognizing the potential signs and symptoms so they can talk to their physician as soon as a potential problem surfaces. Not every man will experience symptoms of prostate cancer. Sometimes the presence of certain problems associated with prostate cancer may be indicative of other conditions, including benign prostatic hyperplasia, or BPH. BPH is not cancer, but it is an enlargement of the prostate, and a man’s risk for developing BPH grows every year. Symptoms of prostatitis, a painful condition in which the prostate is inflamed, tender and swollen, may also resemble the symptoms of prostate cancer. Prostatitis is a benign ailment that is not cancer and does not contribute to cancer. While not everyone experiences symptoms of prostate cancer, some men may experience changes in their urinary or sexual function.
Men who notice the presence of any of the following symptoms should consult their physicians immediately.... • A need to urinate frequently, especially at night • Difficulty starting urination or holding back urine • Weak or interrupted flow of urine • Painful or burning urination • Difficulty having an erection • Painful ejaculation • Blood in urine or semen
More information about prostate cancer is available at www.pcf.org.
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History of movies? Fine cooking? French? Spanish? Astronomy? Foreign policy discussions? Public speaking? Creative writing? Art history? Garden design? Oil painting? Photography? American Sign Language? Financial planning? The Society for Lifelong Learning at WKU (SLL) offers opportunities for intellectual development, personal growth, cultural stimulation, and social interaction. The SLL is a member-driven organization dedicated to offering a wide range of high quality, intellectually stimulating, non-credit educational programs and experiences for those 50 and over. The Society encourages mature adults to gain and enhance a sense of community. The SLL’s “Food for Thought” events are an amazing opportunity to gather with SLL members, instructors, friends, and community members. Participants enjoy a light meal and pleasant conversation as they get ready to listen to extraordinary presenters share a wealth of knowledge and life experiences on a variety of topics. Sit back, relax, and enjoy hearing about something new that always provides ”food for thought!” “Food for Thought” events are an important part of SLL activities and are open to the entire community. Invite your friends, family members, and neighbors to join and discover for themselves just why SLL is such a rewarding program. You must register in advance for these programs. The cost is minimal and includes the presentation and a light meal. Fill a table of eight (you plus seven guests), and your fee will be waived. What an exciting way to share the good news about the SLL and all that it has to offer. Membership types include a single term (spring or fall) membership for only $125 or an annual (full year) membership for only $200.
The SLL at WKU is located at 2355 Nashville Road, Bowling Green, KY 42101. For more information, call (270) 745-1912 or visit www.wku.edu/sll/ to join, register for classes, view course catalogs, or make a donation. 6
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Adult Day & Alzheimer’s Respite Care Taking care of an elder can be tough on a family member. It can be traumatic for both you and your loved one when you realize you need help caring for them. From time to time, a break from care giving is necessary for the caregiver’s health and emotional well-being. Adult day care can be a good option. Adult day care can provide the break you need while your loved one is well cared for in a safe environment. Still the transition from you continually caring for them to spending some of their time at an adult day care facility can be traumatic for both of you. Even though they may not be fully aware of everything, they will probably be aware of your absence as well as different surroundings.
Adult Day and Respite services are designed to provide social and related supportive services to persons 60 years of age and older or a diagnosis of Alzheimer’s or related dementia disease at any age. These services assist in solving some difficulties of daily living while staying in the mainstream of community life. Eligibility for Day or Respite Care Services Can Include: • Physically disabled or frail • Need care during part of the day • Experiencing mental confusion • Individuals who benefit from one-on-one attention and social structure Getting help for a loved one can benefit the whole family. Along with assistance for care relief from caregiving responsibilities, there are support groups for the care-giver and emotional reassurance. For information on programs and services available in our area contact:
Programs may vary depending on your location. Specialized plans of care can be prepared for individuals depending on needs and type of day care (social or health) needed. Exercise programs • Therapy Health Screenings • Nutritional Needs Recreation • Social Opportunities Medical and Social Evaluations Day-long care • Community Outings Assistance getting to and from medical appointments
3 Steps to Protect Yourself from Medicare Fraud Every day, Medicare fraud affects people with Medicare and their families across the U.S. - regardless of background - robbing them of hard-earned money and peace of mind. Scammers know the ins and outs of the Medicare system and their attempts can be well thought-out enough that it’s not always easy to know when and where fraud is occurring. By remembering some simple but effective tips, you can protect yourself against scams, including identity theft and prescription drug fraud. Remembering to protect, detect and report fraud helps everyone, including you. 1. Protect. Protecting your personal information is your best line of defense against health care fraud. Treat Medicare, Medicaid and Social Security numbers like credit card numbers. Never give them to a stranger and don’t carry your cards unless you need them for appointments. Medicare doesn’t call or visit to sell you anything. Outside of a trusted health care setting, never give this information to anyone who asks for it. 2. Detect. No matter how careful you are, you may be targeted for fraud. Always review your Medicare statements closely. Things to look for include charges for something you didn’t purchase or receive, duplicate charges and charges for services not ordered by your doctor. Compare these documents to your personal records and receipts. Recording medical visits and procedures in a journal or on a calendar can help you keep track of what happened at each appointment and make it easier to spot inaccuracies. 3. Report. If you suspect you’ve been a target of fraud, report it. This can help you and others at risk for fraud. If you have questions about your Medicare statements, call your health care provider. If you’re uncomfortable calling or are not satisfied with the response, help is available through your local Senior Medicare Patrol (SMP). SMP volunteers work with Medicare beneficiaries and their families and caregivers to stop health care fraud, errors and abuse. You can also report suspicious calls and direct general questions through this resource. You can find your local SMP program by calling 1-877-808-2468 or at SMPresource.org. Suspected fraud can also be reported to 1-800-Medicare or by calling 1-800-HHS-TIPS.
Don’t hesitate if you need help
Funded by the Administration for Community Living, part of the U.S. Department of Health and Human Services, the SMP program provides outreach, counseling and education by highly trained volunteers in a variety of locations. For free, confidential support, contact your local SMP program.
Vacations, Travel and Retirement When the time comes to bid farewell to conference calls, meetings and daily commutes, retirees have open schedules to fill with whichever activities they choose. Travel is one exciting way to pass the time. Many seniors find that travel tops their to-do lists once they retire. According to Senior Travel magazine, new travel options are emerging for newly minted retirees looking for something a little different from the status quo. The list of destinations retirees have at their disposal is limitless. The following ideas are some of the more popular ways retirees choose to travel. • Road trips rule. Taking to the highways and byways is an excellent way to see the country. RV travel can be as comfortable or as rustic as travelers prefer. Many seniors spend months traveling in their campers, which offer many of the same amenities of home. • Genealogical tourism is popular. People hoping to trace their ancestry and visit their ancestral homelands are one of the fastest-growing travel segments. Visiting a village in Europe where ancestors lived, leads retirees on many adventures. Such trips provide travelers with a unique opportunity to understand their roots up close and personal while enjoying some international travel along the way. • Enjoy a relaxing seaside trip. A seaside vacation can be the perfect trip for seniors who want to put their feet up and watch the waves lap the shores. Many beach resorts offer all-inclusive packages for different age groups. Meals, excursions and hotel rooms can be bundled into one affordable, confusion-free price. • Go cruising. Cruising seems tailor-made for those ages 50 and older because it offers the convenience of accommodations, food, entertainment, and transportation all in one. The various activities offered on the ship mean travelers can find ways to spend their time how they see fit. Cruising couples can opt to spend all of their time on the ship enjoying carefully prepared meals and entertainment or disembark and explore the various ports of call along the way. Now that they have more free time, retirees can gear up for travel adventures to remember.
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Take advantage of energy efficiency rebates when you make recommended reimbursable improvements to your home through TVA and your local provider’s eScore program. Homeowners can: • Get a detailed home energy evaluation by a TVA-certified professional • Get a cash reimbursement for improvements • Save money on utility bills • Reduce energy use • Help protect the environment
Dance Your Way to
Better Health Regular physical activity is key for senior health. Older adults don’t have to spend their days at the gym to get in their daily dose of exercise. Dancing is a great way to not only get your body moving, but also boost heart, mind and joint health, whether you’re moving along with a virtual game or participating in a class at the retirement community. People around the world have longstressed the importance of dance, as this activity can be a fun, engaging way to exercise in a social setting. Men and women with mood disorders who participated in a two-week tango instruction program felt less depressed, and experienced significant reductions in their levels of stress, anxiety and insomnia. A few weeks of salsa dance classes can seriously increase an older adult’s strength and balance. Salsa is a safe and feasible exercise program for older adults. Zumba is low-impact, but still gets the heart pumping. Everyone needs to have a healthy and strong heart during their senior years. Zumba dance helps in circulating your blood better through your body and increasing your heart rate, and is an excellent workout which aids in decreasing the risk of stroke and heart attack. Dance classes allow you meet and interact with different people, perhaps make new friends. In your senior years, your skills to concentrate and pay attention can grow weaker. This is normal for everybody. Performing any kind of exercise can aid in improving the flow of oxygen-rich blood that offers positive effects for elderly people’s cognitive function. Dancing is beneficial for our brains because it combines cardiovascular exercise with split-second decision making that taxes our neural network, forcing it to create new pathways. You can do it, in spite of health issues: Parkinson’s disease, dementia, cancer, arthritis, asthma, heart disease: What do all of these conditions have in common? They don’t prohibit you from dancing. Research into using dance as a therapy for each of these ailments has unearthed a host of advantages, with very few risks. Be sure and check with a doctor before embarking on a dancing regime. Especially for those with pre-existing health conditions. 12
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Are You Getting Enough Lean Protein In Your Diet? Protein is an essential nutrient for all age groups, but it’s particularly critical to get enough as you age. Protein is a backup source of energy when carbohydrates and fat aren’t available, and it helps repair skin and tissues and improves skeletal strength. A deficiency in protein increases the risk of infections, pressure sores, falls, broken bones and weakness. Before making changes to your diet, check with your physician to ensure you’re getting enough protein without going overboard.
Think beyond boring chicken...add black beans, avocado and Greek yogurt dressing to a grilled chicken quesadilla The Food and Nutrition Board of the Institute of Medicine recommends that men over age 50 get at least 60 grams of protein daily. For women in this age bracket, 46 grams a day is the minimum. Still, this may be too much or too little for you, depending on your weight and health status.
Eating lean protein at every meal will help ensure a healthy lifestyle. Here are simple tips to help consume lean protein: Breakfast: Cook hot cereal with low fat milk instead of water Lunch: Add 1/2 cup beans to a salad or soup
Lean proteins are the best choices for mature adults. Some of the healthiest lean proteinrich foods include: Lean meats, seafood, lentils, beans, low-fat dairy products, egg whites and tofu.
Dinner: Swap out pasta for quinoa or other grains Snack: roasted chickpeas, nuts or sunflower seeds
Lean Protein Sources
With the rapid pace of new developments in smartphone technology, it can be hard to keep up with all the changes, especially if you grew up in an era when phones were attached to a cord. Phones these days aren’t what they used to be -- but that’s for the best, as smartphone technology can actually improve your life. Here are three easy ways to get more from smartphones: Whether your hands are tied up gardening or cooking, or you simply want to give your eyes a rest, consider listening to books on your smartphone. You can purchase audiobooks a la carte or opt for a subscription plan, which offers deals, such as unlimited selections for a flat monthly fee. Features like bookmarks and back buttons make it easy to “flip through” a digital audiobook.
Talk and see grandkids and other farflung friends and loved ones between visits with video chatting. It’s the perfect way to ensure you don’t miss important milestones. Many such video communications services are free, even internationally, and can present affordable alternatives to placing long-distance calls on a landline.
Well-designed health apps can help patients manage their conditions. For example, ArthritisPower, a free app for patients with arthritis, allows users to track symptoms and treatment outcomes, and share the information with their doctors. Created by CreakyJoints, a go-to resource for arthritis patients and their families, in collaboration with the University of Alabama at Birmingham, the app is also a datagathering tool for researchers. Via informed consent, user data is helping researchers better understand how different treatments work for different people. To download the free app or learn more, visit arthritispower.org.
Your smartphone is the world at your fingertips. Make great use of it. 15
5 THINGS TO DO WHEN YOU RETIRE 1. Find another job. You retired! You would like nothing more than to relax, plan a trip, take a nap. The beginning of retirement means the beginning of living off what you have accumulated, right? Not so fast. We are living longer, your retirement savings is going to have to stretch a good long while. And it may not. Your best chance to earn more money in retirement is immediately after you leave the workforce. Your skills are still current; your network and contacts still up-to-date.
2. Embrace your new lifestyle. Don’t beat yourself up about how you didn’t save enough for retirement. Rethink your lifestyle and spending habits. Eating out every night, expensive vacations, a new car, nice, but can you afford it? Live within your new lifestyle, live happy!
3. Don’t take Social Security if you can help it. Waiting to claim Social Security will earn you a larger benefit check up until age 70. You can claim benefits at 62, but in most cases, you shouldn’t. A National Economic Research study of people with IRA assets found that 34 percent of early claimers had enough savings to wait two years and 26 percent could have held out for four years. If they had waited just two years, their checks for life would have been 15.6 percent larger. Claiming at 70 instead of 66 will result in a 32 percent jump.
4. Force yourself to understand Social Security and Medicare. This is something that you should have done before leaving your job. In any case, don’t waste another minute because what you don’t know can and will hurt you. Both Social Security and Medicare are full of loopholes and will make you believe that nothing should be this intentionally complicated. Financial planners can be your best friend. At least a good one can.
5. Keep in touch and keep active. Get involved, volunteer, keep busy. The fastest way to fill up your calendar page with medical appointments is to not have anything else on it. Social media can help you stay connected, so don’t be afraid to use it. 16
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HAPPY HEALTHY SMILES By Nancy Zoretic, RDH Did you know that toothpaste has only been around for about 100 years? In the past, people used charcoal ashes, lemon juice and other concoctions to brush their teeth. But even with toothpaste available now 35 million Americans have lost all of their teeth, and an estimated 70% of Americans between the age of 35-44 are missing at least one tooth. Sometimes tooth loss is inevitable. Many times teeth get embedded in the bone. For example, impacted wisdom teeth are often culprits for infection and pain and need to be removed to improve one’s health. Sometimes cysts and tumors form around those teeth or they might cause resorption of adjacent teeth and should be removed to eliminate further problems. The earlier these are removed the less chance for more severe concerns and less surgical risk involved with the procedure. Often teeth are lost because of gum disease, trauma or simple tooth decay. Surveys show that an average of 50% of people say that someone’s smile is the first thing they notice. Replacing missing teeth is vitally important for this and many reasons. When teeth aren’t replaced in a short amount of time it usually results in bone loss and eventually change of the facial structure. There are many ways to replace missing teeth, but the best option is dental implants. Implants offer a more permanent solution than most alternatives and provide the feel, function and appearance of natural teeth. Implants or an implant supported partial or denture let you enjoy all the foods you love and let you smile with confidence. Oral surgeons have 4-6 years of specialized training for all of your dental surgery and implant needs. Give one a call today and begin the journey for better dental health.
3 Ways Seniors Can Control Prescription Costs For Americans enrolled in Medicare, the New Year means any new Medicare Advantage or prescription drug plans, or any changes to your existing plans, take effect. If you signed up for coverage, it’s important to understand how your prescription drug costs may be affected. Even if you did nothing to alter your coverage, some features of your plan may have changed for 2017. Getting a handle on Medicare Part D prescription drug coverage is important to your health as well as your pocketbook. It is important to evaluate your medical situation, have a plan that best fits your needs and then understand how to get the most value from your plan and pharmacy. To make the most of your benefits and find potential cost savings for your prescription medications under your Part D coverage, here are three easy steps to get started: 1. Use a less expensive brand or generic. The brand-name drug your doctor prescribed can do wonders for your symptoms but be worrisome for your budget. Many brand-name drugs have generic or other brand substitutes. First, make sure your doctor considers generic options. If those options aren’t available, there may be lower-cost brand-name drugs used to treat the same condition. Ask your pharmacist if you have that option, then talk with your doctor to see if switching brands makes sense in your situation. 2. Verify whether your plan has a preferred pharmacy network. Many prescription drug plans have a preferred pharmacy (preferred cost share) network where you can pay a lower out-ofpocket copay for the exact same drug. Copays can be as low as $0 on generic medications for select plans. Filling a generic medication at a non-preferred pharmacy could cost you $3, $5 or even $10 for the same drug. 3. Seek Medicare’s Extra Help program and other ways to save. Medicare offers an Extra Help program to help people with limited income and resources pay Medicare prescription drug program costs, like premiums, deductibles and coinsurance. Make sure you’re taking full advantage of your insurance coverage, which may cover non-prescription items, like vaccinations and certain over-the-counter meds. Medicare beneficiaries seeking help navigating prescription drug costs can find additional resources at www.medicare.gov 18
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CELEBRATE THE PERKS OF GETTING OLDER! Many people are quick to think of growing older in a negative light. Although there certainly are some side effects of aging that one may wish to avoid, People may find that the benefits of growing older outweigh the negatives. Here are some great benefits to growing old. • Higher self-esteem: The insecurities of youth give way as one ages, and older people have less negativity and higher self-esteem. • Financial perks: Seniors are entitled to discounts on meals, museum entry fees, movies, and other entertainment if they’re willing to disclose their ages. Discounts are available through an array of venues if one speaks up. Seniors also can enjoy travel perks with slashed prices on resorts, plane tickets and more. • Reasoning and problem-solving skills: Brain scans reveal that older adults are more likely to use both hemispheres of their brains simultaneously - something called bilateralization. This is what can sharpen reasoning skills. • Less stress: As people grow older, they are able to differentiate their needs from wants and focus on more important goals. This can alleviate worry over things that are beyond one’s control. Seniors may realize how little the opinions of others truly mean in the larger picture, thereby feeling less stress about what others think of them. Growing older may involve gray hair or wrinkling skin, but there are many positive things associated with aging.
DIET AND EXERCISE NEEDS CHANGE AS MEN AND WOMEN AGE
Maintaining a healthy weight is important at any age. But avoiding being overweight or obese can be particularly crucial for seniors, considering many illnesses are tied to body weight. People need to change how they eat for every decade they reach. Caloric intake should be reduced because individuals are generally moving around less, have less muscle and their metabolic rates decline. One challenging thing about eating less overall is supplementing with more nutrient-rich foods. Older bodies still require similar amounts of protein, vitamins and minerals as younger ones, but ol der men and women must balance that need with their need to consume less calories. Consuming more fruits, vegetables and lean protein sources, including beans, and choosing whole grains over refined starchy foods can be the key. Watch what you drink, as well. Soft drinks and other sugary beverages may be packed with calories you don’t need. Choose unsweetened beverages and opt for water as much as possible. In addition to modifying food and beverage choices and reducing their calorie intake, seniors should continue to exercise. Healthy eating paired with moderate exercise remains one of the best combinati ons for healthy weight loss or weight maintenance. The goal is to consume fewer calories and expend more energy. Apart from diet and exercise, aging adults may need to consult with their doctors about nutritional supplements. Your body may produce less stomach acid as you get older, making it more difficult to absorb vitamins from food, including vitamin B12 and vitamin D. Aging skin is less able to transform sunlight into the vitamin, which can affect the body’s ability to absorb calcium. Deficiencies in vi tamins D and B12 and calcium can result in a number of health conditions. Routine blood work can help pinpoint whether you are deficient in key nutrients. The body’s nutritional and fitness needs change as a person ages. 20
Baby boomers are the most talked about generation in the country. At approximately 77 million people, they’re also the largest (“Millennials” are a close second). Born between the years of 1946 and 1964, this post-World War II generation is now between the ages of 51 and 70. A generation as large as the boomers is always going to have a profound impact on the world. Just because the boomer population is aging Online doesn’t mean they’re necessarily slowing in Great Numbers down. Baby boomers are expected to heavily 78% of Boomers influence the entire world for decades to come. are online. One-third of boomers They’re Thrifty online describe 79% of baby boomers believe that themselves as “heavy store brands are an excellent option internet users.” instead of name brands. While not cheap, Boomers don’t believe in spending money needlessly. Donald Trump - born in 1946 Barack Obama - born in 1961 George W. Bush - born in 1946 Bill Clinton - born in 1946 Boomers comprise 36.8% of Maine’s total population.
They’re Turning 65 44% of Boomers identify themselves as conservative, 33% moderate, and 21% liberal. 21
In 2011, Boomers began to hit the traditional retirement age of 65. Over the next 18 years, they will turn 65 at a rate of 10,000 a day.
More than 5 million senior citizens age 60 and older face hunger. Seniors face a number of unique medical and mobility challenges that put them at a greater risk of hunger. After a lifetime of hard work, many find themselves struggling with health issues on fixed incomes. Many of these individuals are forced to choose between paying for groceries and buying medicine. Research shows that home-delivered meal programs significantly improve diet quality, increase nutrient intakes, reduce food insecurity, and improve quality-of-life among the recipients.
Locally, home-delivered meals are provided to eligible homebound seniors who are 60 years of age or older. Unfortunately, funding for this program is limited, so there is a waiting list for this service. Once funding is available, a Case Manager from BRADD/AAAIL will assess the individual to determine whether he or she is eligible. Clients may receive hot or frozen home-delivered meals, depending on their preference and abilities. Funding for these meals is provided through the State Homecare grant or the Federal Title III grant. Donations and local funds also help provide this service.ĂŠ The meals are approved by a dietician to provide 1/3 of the recommended dietary allowances, as well as being low sodium and diabetic-friendly. Meals are prepared by Canteen Service Company and then delivered to Senior Centers for distribution in each of the 10 counties within the Barren River District.ĂŠ The current provider for hot meal delivery is Community Action of Southern Kentucky (CASOKY). They do utilize volunteers to assist at the senior centers, where meals are packaged and sent out for delivery. Volunteers help to plate the meals and also to deliver the meals.
The Program Coordinator for the Senior Center Program is Claudia Anderson. 22
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Plan Now for Peace of Mind Tomorrow You live, work and play smart. The road of life is filled with important milestones - major events and achievements - that help to define who we are and what’s important to us. But what about funerals? Where do they fit on the list of life? Part of providing for ourselves and those we love means planning for the unexpected, and sometimes the expected. J.C. Kirby & Son is a full-service funeral chapel serving all faiths and designed to meet all funeral aspects. We stand ready to help you understand and create a funeral plan in advance. Don’t wait, call us today!
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