Caregiver Solutions 2022

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A Resource Guide for Family Caregivers

Informative Articles • Directory of Providers • Support Services • Books and Resources

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caregiver solutions 2022 Publisher

Donna K. Anderson

Editorial Vice President & Managing Editor

Christianne Rupp Editor

Megan Joyce Contributing Writers

Deborah S. Allen, BS, MSW, CDP Kimberly Blaker Laura Gifford Sarah Lyons Jim Miller Lisa M. Petsche

Art Department Production Coordinator

Dear Readers,

Caregiving is a loving journey but one that can be challenging. It’s a balance between making sure that the care receiver gets the attention and services they need, while ensuring the caregiver takes care of herself to reduce the potential of becoming overly stressed, which may have an impact on her health and well-being. The editorial committee has selected topics that may help in your approach to caregiving. I hope what has been covered in this year’s edition broaches some topics that are on your mind, answers a few questions, offers support and resources, and provides guidance to living and care options you can count on. Please take some time to read the Frequently Asked Questions on pgs 15-16. Learn more how caregivers can get help with drug bills; what the Medicare Saving Program is; what the Medicaid Spend-down Program is; what the difference is between assisted living residences and personal care homes in Pennsylvania; and more. An important feature in Caregiver Solutions is the Directory of Providers and Services. Whether you’re considering a move or some type of care or assistance for your loved one, please check it out. The organizations included are eager to discuss how their services can help in your caregiving responsibilities. And for those who like to read, there is a plethora of books on caregiving. Perhaps some of the titles included on pgs 26-27, which are offered in print and in e-reader format, will provide additional information and insight. Your local Office of Aging offers a wide range of people and programs to assist you. There are caregiving support groups, which give you an opportunity to hear from other people whose experiences are similar to yours and could offer helpful advice. And the groups often have speakers that provide guidance as well. You don’t have to be in this alone. Each caregiver has different coping mechanisms. Know what yours are and how to reduce stress so that you have a healthy work-life balance. Take care and be safe,

Lauren Phillips

Business Development Senior Marketing Consultant

Josh Binkley Events Manager

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Elizabeth Duvall Copyright © 2022 On-Line Publishers, Inc. All rights reserved. All listings and advertisements have been accepted for publication on the assumption that the information contained in them is true and accurate and that all merchandise or services offered in the advertisements are available to the customer according to the conditions warranted therein. The appearance of advertisements or products or services does not constitute an endorsement of the particular product or service. On-Line Publishers, Inc. disclaims any and all responsibilities and liability which may be asserted or claimed resulting from or arising out of reliance upon the information and procedures presented in this guide.

Christianne Rupp Editor


4 How to Foster Resilience as a Caregiver 18 Should You Prepay Your Funeral? 6 Adaptive Clothing that Allows Greater 19 Caregiver Support Programs Independence or Helps Caregivers 20 Caring for an Aging Parent 8 Assistive Devices Restore Confidence 22 How to Find Financial Assistance for and Provide Peace of Mind

10 The Difference between Power of Attorney and Executor

11 Keeping Your Balance as You Age 12 An Overview of Dementia and Aging 14 Caring for a Spouse or Loved One with Dementia

16 Frequently Asked Questions On-Line Publishers, Inc. P.O. Box 8049, Lancaster, PA 17604 717.285.1350 • fax 717.285.1360



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24 Organizing Your Personal Affairs 26 Good Reads 28 Directory of Housing & Care Providers 30 Directory of Ancillary Services 31 Support and Information



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How to Foster Resilience as a Caregiver By LISA M. PETSCHE

Although it has its rewards, caring for a chronically ill or frail older relative can be physically, psychologically, and emotionally demanding. The caregiving journey is particularly challenging when it continues over a long period of time, and when the elder has a progressive disease, complex needs, a demanding personality or mental impairment. Some caregivers seem to cope better than others with the ups and downs of providing care. The reasons can be varied, but one of them has to do with resilience. The Merriam-Webster dictionary defines resilience as “an ability to recover from or adjust easily to misfortune or change.” If you are a caregiver, read on to learn about strategies for fostering resilience. They can help you cope with the ongoing stress and periodic crises involved in caring for someone who has a chronic illness. • Accept the reality of your relative’s disease. Denial will prevent you from moving forward. • Learn as much as possible about the illness and its management, and educate family and friends to help them understand. Being informed is empowering. • Hope for the best possible outcome, but prepare for the worstcase scenario. 4

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• Pick your battles; don’t make a major issue out of every concern. • Use positive self-talk. Emphasize phrases such as “I can,” “I will,” and “I choose.” • Do things that bring inner peace, such as meditating, reading, writing in a journal, or listening to music. • Create a relaxation room or corner in your home — a tranquil spot you can retreat to in order to rejuvenate. • Develop a calming ritual to help you unwind at the end of the day. • Look after your health: eat nutritious meals, get adequate rest, exercise, and see your primary physician regularly. • Stay connected to your friends and community groups to which you belong. • Minimize contact with people who drain your energy or make you feel inadequate. • Simplify your life. Set priorities and don’t waste time or energy on things that aren’t important.

• Be flexible about plans and expectations. Recognize there will be good days and bad days and that how you and your relative feel will fluctuate. Take things one day at a time. • Give yourself permission to feel all emotions that surface, including resentment and frustration. Remind yourself you are doing your best and are only human. • Don’t keep feelings and problems to yourself — talk to a trusted family member, friend, or counselor. Join a caregiver support group in your community or an internet group if it’s hard to get out. • Seek help from your primary physician or a counselor if you continually feel sad, angry, or overwhelmed. Depression is treatable. • Accept offers of help. Ask other family members to share the load and be specific about what is needed. Find out about community support services — including respite care options — and take full advantage of them. Information can be obtained from the local office on aging. • Don’t promise your relative you will never pursue placement in a long-term care home. It’s important to keep all options open, because it’s impossible to know what the future holds in terms of your relative’s functioning and care needs or your own obligations and health status. • Do something nice for someone who is going through a difficult time. It takes your mind off your own situation, boosts your self-esteem, and strengthens the relationship. It may also help to be reminded that other people face challenges, too. • Look for ways to include laughter and joy in each day. This will enhance your relationship with your relative and others with whom you come in contact and help foster a positive outlook.


Lisa M. Petsche is a social worker and a freelance writer specializing in family life. She has personal experience with elder care.

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Adaptive Clothing that Allows Greater Independence or Helps Caregivers Dress a Loved One By KIMBERLY BLAKER

When a loved one struggles with fine motor control or other physical and cognitive challenges, it can make getting dressed in ordinary clothes difficult. As a caregiver, if you’re assisting your family member with dressing, you may be in search of clothing options that make the process easier or allow your loved one more independence. In the past, adaptive clothes were hard to find, offered limited choices, were basic, and focused on function without consideration to style. Now many more options are available to fit specific needs or fashion preferences. The following are some common features and adaptations for clothing that may ease dressing and undressing for those needing assistance. Alternative Fasteners Traditional clothes fasteners, like buttons and even zippers, can be difficult for the elderly and even for a caretaker trying to help them quickly and easily secure clothing. It takes a lot of fine-motor control and hand-and-finger strength to grab and manipulate small parts to fasten clothing together. Common alternatives to simplify this, both for caregivers in assisting and for individuals to dress themselves, include Velcro and magnet fasteners along the seam. These types of fasteners can also be opened more quickly in case of an emergency. • Tommy Hilfiger has an adaptive line with many features, including a whole section for easy closures like magnets, Velcro, and one-handed zippers. • Buck & Buck is an adaptive clothing line that includes shirts for men that look like button-ups but use Velcro in the front and even have Velcro cuffs. 6

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• Target has adaptive clothing, such as the Velcro Side Fastener Bra with front closure for ease. Openings on the Back and Side As a caregiver, it can be easier to dress someone when the fasteners are on the back or sides, providing the wearer more privacy. In addition, clothes that open on the sides or back are much easier to put on and take off, even when the wearer is seated or lying down. Some pants also have back panels covered by a flap, making it easier to change adult diapers or use the restroom without undressing. Additionally, open-back clothing makes it more difficult for older people with dementia, Alzheimer’s, or other cognitive challenges to remove their clothing in inappropriate situations.

• Silverts has Alzheimer’s kits for women and men that include anti-strip jumpsuits with closures on the back. • Ovidis has adaptive pants with back-panel access, like the Sophie pants for women. • Buck & Buck has a large selection of all types of clothing with closures on the back.

Having the right pair of shoes can make the difference in older adults’ comfort and ability to stay mobile and active.

• Joe and Bella has an adaptive line with rear-closure clothes, like the Open-back Adaptive Fleece Sweatshirt, eliminating the need to pull it over the head. Workaround Medical Devices Elderly adults may require specific medical devices like braces, catheters, monitors, or even wheelchairs, which interfere with traditional clothing. Therefore, some clothes are explicitly designed to work around wearable devices. Such clothing makes dressing and undressing easier and more comfortable while not interfering with medical function or needing to check devices. • Silverts has wheelchair-specific clothing, like the Wheelchair Gabardine Pants for Men. These allow you to dress from a seated position and are designed to be comfortable and keep everything covered while sitting. • Elder Wear and Aids also has a wheelchair-friendly adaptive clothing section with pants, dresses, shirts, and more. • Buck & Buck offers urinary catheter clothing, which allows for easier access when emptying or checking the collection bag, along with other helpful adaptations. Adaptive Footwear Whether you need outdoor shoes for leaving the house or slippers to prevent falls indoors, proper footwear that’s easy to get on and off and is also comfortable is essential. Having the right pair of shoes can make the difference in older adults’ comfort and ability to stay mobile and active. Shoes should have a wide opening to be easy to get on and off and have a simple

f astener. They should also have enough room for potential swelling, be stable and nonslip, padded to reduce foot stress, easy to walk in, and fit around braces or any other devices around the foot. • Nike has an adaptive sneaker line called Flyease that is easy to get on and off one-handed.

• Zappos is a large shoe retailer that has a section where you can filter for all the adaptive shoe brands they offer in one place. • Those with diabetes may benefit from Silverts diabetic footwear.


Kimberly Blaker is a freelance parenting writer. She’s also founder and director of KB Creative Digital Services, specializing in SEO content writing, at

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Assistive Devices Restore Confidence and Provide Peace of Mind By SARAH LYONS

Assistive devices are adaptive tools that can help older adults or those incapacitated perform tasks that have become more difficult for a variety of reasons. As loved ones age, accessibility and safety become increasingly important. Tasks that were once simple may become more challenging due to unsteadiness, weakness, issues with mobility, or visual or hearing impairments. Assistive devices are great tools for seniors who wish to stay in their homes but need a little help with day-to-day tasks. These devices can restore freedom and confidence while providing safety and peace of mind for loved ones. Here are some examples of the tools available. • Telephones – Some models have larger numbers or a space available to place a photo where an automatic dial feature can be assigned. For those who are hearing impaired, there are telephones that can translate talk to text so the conversation can be read. • Recliner chair lift – This is a special type of recliner that can 8

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be used to help people rise from sitting to standing with the touch of a button. The automatic feature can help raise and lower the footrest and the back of the chair as well. • Chair lift – A chair lift provides a way for wheelchair users to move from one level to another. These devices are generally used in commercial buildings. • Stair lift – This is a lift with a built-in seat for stairs only. This device is the best fit for someone who can transition from standing to sitting and vice versa but needs assistance going up and down the stairs. A stair lift is a great fit for those who live in a two-story house or who have a lower-level entry to the home. • Walk-in tubs with a bath seat – Lifting one leg up and over the edge of the tub can be a challenge. This bathtub allows for the owner to enter the tub through a small door and sit down on a built-in seat for easy bathing. Once drained, the user can open the door for exit as well.

• Barrier-free shower – This type of shower is great for persons who use a wheelchair or walker; they can easily enter the shower because there is no door or step to manage. The barrier-free shower also allows for a wide opening that can accommodate the width of a wheelchair. A bath seat can be placed inside the shower if needed as well. • Raised toilet – Some may find it difficult to rise from a seated position, making toileting a chore. A raised toilet allows the user to sit higher, making it easier to stand up when finished. A toilet extension could also be purchased to make the existing toilet higher and is much simpler and less expensive to install. • Ramps – A ramp can provide freedom and independence because it allows the user to enter their home or move around it safely without having to use the stairs. Ramps are available for both the exterior and interior of your home and come in a variety of styles, sizes, and aesthetics. Ramps can be purchased premade or built for a custom fit.

• Scooters – A scooter is an expedient way to give someone who has difficulty walking longer distances a safe way to move around. Scooters can be used indoors or outdoors, and many find them helpful for shopping. Keep in mind there are a wide range of costs associated with scooters, so it is important to do your research and find the right fit for your needs. When purchasing your scooter, consider if you will need to transport it regularly in a vehicle. Platforms and ramps are available to purchase, which can be an additional cost. If your loved one is in need of assistance, please check with Medicare Advantage or see if you qualify for a Medicaid Waiver, which can help cover some or all of the cost associated with assistive devices. Reach out to your primary care provider for assistance and

more information. There are many products on the market that help those in need of assistance feel more confident and active in their home and give them back some of the freedom they may have enjoyed in the past.

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The Difference between Power of Attorney and Executor By SARAH LYONS

One of the most important aspects of estate planning is deciding who will be in charge of your affairs when you are unable to be. You will want to protect what you have earned and accumulated throughout your life. This can be accomplished through trust agreements and a well-written will. Management of your estate during and after your death should be delegated to a trusted family member, friend, or professional. Many people choose a power of attorney or an executor. One person can do both of these duties, but understanding the difference between the two roles is important for assuring your estate is managed according to your wishes and helping you choose the right person or people for the jobs. What is a Power of Attorney? A power of attorney is a legal document authorizing someone to act as an attorney or agent on behalf of you, the grantor. Someone with power of attorney is often referred to as an agent. There are different types of powers of attorney that give one person (the agent or attorney-in-fact) the power to act for another person: • A limited power attorney only allows the agent to act on the grantor’s behalf within very specific perimeters. This person may only be allowed to sign on your behalf during a specific and limited timeframe. A limited power of attorney can only act or make decisions on someone’s behalf for specified activities and only to the point that the principal authorizes. It is generally valid for no more than 90 days. • A durable power of attorney gives the agent the ability to act on your behalf even if you’ve been incapacitated. • A springing power of attorney goes into effect when the grantor is incapacitated and unable to make decisions on their own. It is important to define what classifies a person as incapacitated in specific terms so it is clear to all parties. 10

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What is an Executor? Whereas the power of attorney’s responsibilities occur while the grantor is alive, an executor’s duties begin only after the death of the will holder. The executor is in charge of executing the will, taking care of the estate during the probate process, notifying creditors, consolidating assets, and managing finances. The executor can be a family member or an attorney, and the role and duties of an executor can vary depending upon how the estate plan is set up. The main difference between a power of attorney and an executor is whether the grantor is alive or not. The power of attorney represents you while you are still living but need assistance, and the executor manages the estate after your death. The two are never actively representing you at the same time, although both of these jobs can be performed by the same person if you choose. It is also important to understand that when making plans for your estate, the designated beneficiary on the account at your bank or life insurance policy will take precedence over what is stated in your will. Many people make the mistake of not planning ahead or putting off completing their estate planning. It is always best, no matter your age or circumstances, to have your affairs in order, current, and updated. Consider who you would like to represent you as a power of attorney and executor, and educate yourself on the differences between the two. You have the opportunity to make sure your affairs are handled the way you desire. Don’t procrastinate when it comes to something that is so important. This is not meant to replace legal advice; please consult a lawyer for more in-depth clarification.

Keeping Your Balance as You Age By JIM MILLER

Dear Savvy Senior, What can you tell me about balance exercises? My mother has fallen a few times over the past year, and I have read that balance exercises can help her regain steadiness, but I’m not exactly sure what to do. – Unsteady at 70 Dear Unsteady, Most people don’t think much about practicing their balance, but they need to. As we age, our balance declines if it isn’t practiced, which can lead to falls that often result in a broken bone. Every year more than 1 in 4 people age 65 and older fall, and the risk increases with age. Here’s what you should know about balance problems, along with some different exercises that can help you improve it. Aging Affects Balance Balance is something most people take for granted until it’s challenged by a medical condition, medication, or advanced age, which dulls our balance senses and causes most seniors to gradually become less stable on their feet over time. Poor balance can also lead to a vicious cycle of inactivity. You feel a little unsteady, so you curtail certain activities. If you’re inactive, you’re not challenging your balance systems or using your muscles. As a result, both balance and strength suffer. Simple acts like strolling through a grocery store or getting up from a chair become trickier. That shakes your confidence, so you become even less active. Balance Exercises If you have a balance problem that is not tied to illness, medication, or some other specific cause, simple exercises can help preserve and improve your balance. Here are four exercises you can do that will help: One-legged stands: Stand on one foot for 30 seconds, or longer, and then switch to the other foot. In the beginning, you might want to have a wall or chair to hold on to. Or, for an extra challenge, try closing your eyes or standing on a throw pillow or BOSU ball (an inflated rubber disc on a stable platform). Heel-to-toe walking: Take 20 steps while looking straight ahead. Think of a sobriety test. Standing up: Without using your hands, get up from a straight-backed chair and sit back down 10-20 times. This improves balance and leg strength.

Tai chi: Research has shown that the Asian practice of tai chi — which uses a combination of slow, graceful movements, meditation, and deep breathing — can help reduce the risk of falls. For more information on different balance exercises you can do at home, there are a variety of balance and strength exercises and beginner tai chi DVDs you can purchase online or stream on your TV. There are also senior fitness programs, like SilverSneakers ( and Silver&Fit (, that offer online classes that can guide you through a series of exercises you can do at home. See a Doctor I do, however, want to emphasize that if you’ve already fallen, are noticeably dizzy or unsteady, or have a medical condition affecting your balance, you need to see a doctor. They might refer you to a physical therapist or to an appropriate balance-training class in your community. It’s also important to know that many medicines and medical conditions — from Parkinson’s disease to diabetes to inner-ear disorders — can affect balance.


Jim Miller is a contributor to the NBC Today show and author of The Savvy Senior book. Visit caregiver solutions 2022 BUSINESSWoman


Myths, Realities, Symptoms, and Questions – An Overview of Dementia and Aging By DEBORAH S. ALLEN, BS, MSW, CDP It is important to understand the definitions of dementia and aging and to explore their connections. Dementia is irreversible brain failure/brain death. Aging is the process of becoming older. It is the sequential or progressive change in an actual organism that leads to an increased risk of debility, disease, and death. Below are some common myths and realities regarding dementia and aging. Myth 1: Only Alzheimer’s causes dementia. Reality: Dementia is caused by over 80 different illnesses and conditions, including, but not limited to: Alzheimer’s disease, Parkinson’s disease, strokes, severe brain damage, and mixed dementias. (Alzheimer’s disease is the most common cause of dementia, accounting for 60% to 80% of cases.) Myth 2: Extreme memory loss is a natural part of aging. Reality: As people age, it’s normal to have occasional memory problems (“senior moments”). Because older individuals have many, many years of memories, memory retrieval may take longer. Usually, older adults will work on remembering names and experiences they have temporarily forgotten. Someone with dementia-related memory loss usually doesn’t try to retrieve memories. Their memory loss is more obvious and frequent. Myth 3: Only older people get dementia. Reality: Dementia can affect people in their 20s, 30s, 40s, or even 50s. However, dementia-related illnesses are more common in older adults.

Reality: Current available medications do not cure dementia. These medications may assist with treating some of the symptoms. Extensive research and testing are focused on finding a viable cure for dementia and are ongoing. Myth 6: Persons with dementia have minimal interest in intimacy. Reality: When the mind, behavior, and physical abilities are altered by dementia and age, the need for companionship, affection/ intimacy, and sexual desire may exist well after other capacities have declined. There are multiple symptoms of dementia: Memory Loss – Memory loss tends to be the symptom most commonly associated with dementia. It can be pervasive and, with disease progression, the loss of memories shortens. For example, an individual with dementia can ask a question and forget the response a few moments later. Memory loss works in a backward progression. Recent memories fade more quickly, but past, long-term memories can be retained for longer time periods. Repetition – Someone with dementia may constantly repeat stories and questions. Loss of interest/focus – Persons with dementia may have a shorter attention span. Focusing on a lengthy, more complex book or program may be impossible.

Myth 4: Dementia is not fatal. Reality: Dementia has no survivors. It destroys brain cells. Eventually this leads to the loss of key body functions and death.

Poor judgment –All individuals have instances where their judgment may not have been the best. For individuals with dementia, poor judgment is often more extreme. For example, leaving an indoor location in the middle of winter without a coat or footwear or wandering away from home without a known destination show extremely poor judgment.

Myth 5: There are vaccines or treatments available to cure dementia.

Falling – Falls may occur because of altered senses of balance and spatial awareness that can occur with dementia.


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Moodiness – Unexpected, extreme, and sudden mood changes may occur. Inability to complete simple tasks – Those with dementia may develop the inability to effectively complete ADLs (activities of daily living, such as bathing, dressing, eating) without assistance. Communication – Persons with dementia have difficulties with word finding. This inability to communicate may result in further shutting down verbal communication. They appear to be withdrawn. They may reach the point where they cannot verbally express their needs/wants. The field of dementia-related illness/conditions raises numerous questions and concerns. Some key questions are: What is Mild Cognitive Impairment (MCI)? MCI is memory loss that is more pronounced than typical age-related forgetfulness, but it has not progressed to a level considered to be dementia. The Alzheimer’s Association indicates that 12% to 18% of persons older than age 60 are living with MCI. Every year it is estimated that 10% to 15% of these individuals will develop full-blown dementia. What are risk factors for MCI? Risk factors include: diabetes, inadequate sleep, smoking, high blood pressure, high LDL cholesterol, obesity, depression, and inactivity. How can MCI be prevented? Strategies include: good nutrition, better sleep habits, ongoing learning, exercise, improved stress responses, and regular socialization. Following these suggestions may help to prevent the development of full-blown dementia. When is the best time to seek professional help? “As early as possible” is the best answer. Obtaining evaluations from an organization that includes multiple disciplines — geriatricians, psychiatrists, neurologists, psychologists, and social workers — helps get a thorough picture of what may be occurring. These results help provide a baseline for future comparisons. In addition, these evaluations may recommend medications, treatments, and activities that could provide optimum results in the future. What is the relationship of behavior and communication? Behavior = communication. With a decline in verbal skills and physical abilities, nonverbal communication may emerge as the primary method of communication. Individuals with dementia may experience many unmet needs: physical, social, and emotional. For individuals with dementia, pay attention to their actions, gestures, facial expressions, aggressiveness — their behaviors. For example, if a nonverbal individual begins pacing and starts to remove his/her clothing, this may be communicating the need to use the bathroom. Other behavior-related communications: Wandering = Boredom, feeling lost Calling out = Loneliness

Anxiousness = Fear of the unknown Grabbing = Fear of pain Agitation = Overstimulation Withdrawn = Understimulation It is important to remember that all behavior has meaning. How can caregivers effectively communicate and engage with persons with dementia? Some suggestions: • Do not correct; instead, redirect • Use gestures • Be positive; do not judge • Listen and note voice tone and behaviors • Learn about the person: their interest areas, profession, family, etc. • Use music to help engage the individual • Maintain good eye contact; keep facial expressions pleasant • Give compliments and praise • A lways remember: relate as one adult to another adult • Continue to explore other resources


Treat everyone with dignity and respect!

Deborah Allen is the executive director at PennCares Support Services, serving south-central Pennsylvania. PennCares is a communitybased nonprofit organization that provides children’s early intervention services; employment services (PennWorks); inhome, nonmedical care services for individuals who are elderly and people with physical and intellectual disabilities; as well as professional, educational trainings for caregivers and professionals. Please check website for upcoming webinars at

1900 West Mason Ave York, PA 17404

717-881-9056 Call for more information!

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Caring for a Spouse or Loved One with Dementia By LAURA GIFFORD

Dementia is both a chemical and structural change in the brain. At least two parts of the brain are dying, traditionally attacking the left hemisphere first and most severely. This chronic disorder can include memory loss, personality change, limited social skills, and loss of judgment. Dementia is progressive, and it will get worse. But there are things we can do to slow the process. We put together some tips to help you care for a spouse or loved one with dementia. Even if your loved one is still in the early stages of dementia, transitioning to the role of caregiver can put a lot of stress on your relationship. This might be a person you leaned on for support for decades, and now you’re caring for them in a way you might not have anticipated. Remember to Take Care of Yourself Caring for a loved one with dementia can be like a full-time job. To be an effective caregiver, you must set limits for yourself in this season of your life, and you must take care of yourself. • Ask for help from friends and family members. • Join a caregiver support group with a local church, a senior living community, or a dementia-related association (even if you don’t want to talk, being amongst others with similar experiences can offer reprieve). • Get respite care through a local senior living group or social services. • Find an adult daycare center or a home healthcare service. • Expand your knowledge, learning more about what your loved one is going through, their diagnosis, and how the disease can progress.


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Communicate Effectively Dementia will affect the way your loved one communicates their thoughts and feelings. They may not be able to verbalize their needs, and they may not be able to understand you when you’re trying to communicate with them. Try to stay calm and positive when communicating with your loved one. That includes your body language as well as the words you’re saying. As dementia progresses, the person’s visual field changes. It’s important to approach calmly, slowly, in visual range. Before you start talking, get the person’s attention and limit any distractions. Speak slowly and clearly, using simple sentences in a nice, reassuring tone. And remember to wait, giving your loved one a chance to process. It may help if you can find a way to rephrase your statement or question. When possible, stick to yes-or-no questions to simplify things. Providing options to a person with dementia will help them feel empowered and in charge. It’s also important to offer empathy and validation. A person with dementia may be feeling anxious, frustrated, exhausted,

and confused. Find a way to show you understand, whether that’s with reassuring words, holding hands, or a hug. Or, you can act as a mirror. If you see a grimaced face, get in your loved one’s visual range and reflect what you see. Wandering A person with dementia may wander at night or randomly in the middle of the day. It’s helpful if you can identify triggers, like boredom or locating a belonging. When a person with dementia is triggered to do an action, they’re probably trying to fill a need they can’t communicate. If your loved one can wander safely, that’s a great way to exert energy. If you’re unable to disrupt the behavior or provide a safe space for your loved one to wander, you can block off doors, either with a piece of furniture or a sign that acts as a reminder. Another option is to install an alarm system or locks that require keys. Make sure your other family members know where the keys are in case of a fire. Sleep Issues Dementia can mix up chemicals and signals in the brain, causing changes in sleep patterns as well as changes in a person’s biological clock. There are a few different tactics you can try to help them sleep better: • Increase daily exercise and discourage naps during the day. • Promote the best possible nutrition and have smaller meals throughout the day. • Establish a routine and plan calmer activities for the afternoon and evening. As dementia progresses, there could be other behavioral issues that come up. You may need to try new approaches to communicate and care. Stay curious, and be open to finding different ways to support your loved one. There may come a time when you have to explore memory care options to help maintain your loved one’s quality of life.


Laura Gifford is the director of marketing and communications at Providence Place.

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Frequently Asked Questions Is there someplace I can get help with drug bills for someone in my care? Who is eligible for PACE? • You must be 65 years of age or older. • You must be a Pennsylvania resident for at least 90 days prior to the date of application. • You cannot be enrolled in the Department of Human Services’ Medicaid prescription benefit. For a single person, total income must be $14,500 or less. For a married couple, combined income must be $17,700 or less. Prescriptions: Copay for generic drugs is $6; copay for single-source brand is $9. Who is eligible for PACENET? • You must be 65 years of age or older. • You must be a Pennsylvania resident for at least 90 days prior to the date of application. • You cannot be enrolled in the Department of Human Services’ Medicaid prescription benefit. PACENET income limits are slightly higher than those for PACE. For a single person, total income can be between $14,500 and $33,500. For a married couple, combined total income can be between $17,700 and $41,500. Prescriptions: Copay for generic drugs is $8; copay for single-source brand is $15. Call your local Area Agency on Aging office for forms or for more information or go to https://pacecares.magellanhealth. com. Effective Jan. 1, 2022, PACENET cardholders not enrolled in a Part D plan will pay a $40.74 premium at the pharmacy each month they use their PACENET benefit. Income qualification is based on prior year’s income and includes taxable and nontaxable sources. Assets and resources are not counted as income. – Pennsylvania Department of Aging 16

What is the Medicare Savings Program (MSP)? The Medicare Savings Program helps pay for Medicare premiums. In some cases, the Medicare Savings Program may pay Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) deductibles, coinsurance, and copayments if a beneficiary meets certain conditions. QMB, SLMB, and QI are part of the program. Qualified Medicare Beneficiary (QMB): The income limit is $1,153 a month if single and $1,546 a month if married. QMB pays for Part A and B cost sharing, Part B premiums, and – if a beneficiary owes them – it also pays their Part A premiums. Specified Low-Income Medicare Beneficiary (SLMB): The income limit is from QMB levels up to $1,379 a month if single and $1,851 a month if married. SLMB pays for Part B premiums. Qualified Individuals (QI): The income limit is from SLMB levels up to $1,549 a month if single and $2,080 a month if married. QI pays for Part B premiums. Provides financial assistance with Medicare Part D prescription drug coverage (monthly premiums, deductibles, and drug costs). MSP asset limits: The asset limits for QMB, SLMB, and QI are $8,400 if single and $12,600. For information, call (800) 633-4227. – What is the Medicaid spend-down program for regular Medicaid for the aged, blind, and disabled benefits and LTSS? Individuals with incomes too high to qualify for Medicaid for the aged, blind, and disabled can enroll in Pennsylvania’s Medicaid spend-down. This program allows applicants to qualify for Medicaid by subtracting medical and long-term care expenses. When an applicant enrolls in the Medicaid spend-down, the state determines the amount of their income that is above the income limit; this is

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known as “excess income.” Enrollees activate their coverage by submitting medical bills equal to this amount. Pennsylvania usually approves spenddown benefits in six-month increments, with additional coverage requiring new medical expenses be submitted. In Pennsylvania, the Medicaid spenddown program covers long-term services and supports. Income eligibility: The income limit is $425 a month if single and $442 a month if married. Asset limits: The asset limit is $2,400 if single and $3,200 if married. For information, call (866) 550-4355. – American Council On Aging What are Medicare Preventive Services? Early detection and treatment of health conditions can help reduce medical costs and maintain health. Many preventive care services are covered at a low or no cost. Talk to your doctor about preventive services available to you through Medicare. What is the Extra Help Program? Extra Help is a federal program that helps pay for prescription costs, premiums, deductibles, and coinsurance of Medicare prescription drug coverage for qualified beneficiaries. It is also known as the Part D Low-Income Subsidy (LIS). Persons may become eligible if certain requirements are met: • You have Medicare Part A (hospital insurance) and/or Medicare Part B (medical insurance). • You live in one of the 50 states or the District of Columbia. • Your resources (excluding your primary residence) are not worth more than $29,520 if you are married and living with your spouse or $14,790 if you are not currently married or not living with your spouse. (Do not count your home, vehicles, personal possessions, life insurance, burial plots, irrevocable burial

contracts, or back payments from Social Security or SSI.) If you have more than those amounts, you may not qualify for Extra Help. However, you can still enroll in an approved Medicare prescription drug plan for coverage. If you have Medicare and Supplemental Security Income (SSI) or Medicare and Medicaid, you do not have to apply for this extra assistance because you will automatically get Extra Help. If your loved one becomes eligible, you can call (800) 772-1213, TTY (800) 325-0778, or visit for more information. What is the APPRISE Program and where can I get more information? The APPRISE Program is a free program operated by the Area Agencies on Aging to provide healthinsurance counseling and assistance to Pennsylvanians age 60 and over. They can help you understand Medicare benefits by explaining Medicare, Medicare supplemental insurance, Medicaid, and long-term care insurance. Program counselors can explain the Medicare appeals process, help you select a Medigap insurance policy, explain the Medicare prescription Part D benefit, and explain financial assistance programs. Call (800) 633-4227 or your local Area Agency on Aging for more information. What is the difference between home care and home healthcare? Home care agencies (HCAs) and home care registries (HCRs) provide nonskilled services to individuals in their homes or other independent living environments. Home care services include: • Assistance with self-administered medications • Personal care (assistance with personal hygiene, dressing, and feeding) • Homemaking (housekeeping, shopping, meal planning and preparation, and transportation) • Respite care (assistance and support provided to the family) • Other nonskilled services Home healthcare is a wide range of healthcare services that can be given in

your home for an illness or injury. Examples of skilled home health services include: •W ound care for pressure sores or a surgical wound •P atient and caregiver education • I ntravenous or nutrition therapy • I njections •M onitoring serious illness and unstable health status – What is the difference between a nursing home and a personal care home? Nursing homes are licensed medical facilities that are inspected and licensed by the Pennsylvania Department of Health. They must meet both state and federal regulations. There is third-party reimbursement (Medicare and Medicaid) for those who qualify based on income. Personal care homes are residential facilities that offer personal care services, assistance, and supervision to four or more persons. They are inspected and licensed by the Pennsylvania Department of Human Services. A personal care home must have a license to operate in Pennsylvania. There are state licensing regulations that apply to personal care homes. These regulations are aimed at protecting the health, safety, and well-being of the residents. There are no federal regulations for personal care homes. There is no thirdparty reimbursement for personal care homes, but many accept residents of low income who receive Supplemental Security Income (SSI). What is the difference between a personal care home and an assisted living community in Pennsylvania? Many people frequently confuse the two to mean the same thing, which was pretty true until 2011. Personal care homes are for individuals who want to remain independent yet have supervision and help with daily living activities. An assisted living community allows its residents to age in place longer, often making it unnecessary for them to move to a nursing facility.

Bathing & Dressing Assistance Grooming • Assistance with Walking • Medication Reminders • Errands • Shopping Light Housekeeping • Meal Preparation • Friendly Companionship • Flexible Hourly Care • Respite Care for Families

Specializing in dementia care for adults and their families York

717.751.2488 1840 E. Market St York PA 17402


717.393.3450 2141 Oregon Pike, 2nd Floor Lancaster, PA 17601


717.630.0067 104 Carlisle St Hanover, PA 17331

RN Owned and Operated Each Visiting Angels agency is independently owned and operated.

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Savvy Senior: Should You Prepay Your Funeral? By JIM MILLER Dear Savvy Senior, My wife and I have been thinking about preplanning our funerals now so our kids won’t have to later, but we would like to find out if it’s a good idea to prepay. What can you tell us? – Living on a Budget

• Are the prices locked in, or will an additional payment be required at the time of death?

Dear Living, Planning your funerals in advance is definitely a smart move. Not only does it give you and your wife time to make a thoughtful decision on the type of service you want, it also allows you to shop around to find a good funeral provider, and it will spare your family members the burden of making these decisions at an emotional time. But preplanning a funeral doesn’t mean you have to prepay too. In fact, the Funeral Consumer Alliance, a national nonprofit funeral consumer protection organization, doesn’t recommend it unless you need to spend down your financial resources so you can qualify for Medicaid. Here’s what you should know.

• W hat happens if you move? Can the plan be transferred to another funeral home in a different state?

Preneed Arrangements Most funeral homes today offer what is known as “preneed plans,” which allow you to prearrange for the type of funeral services you want and prepay with a lump sum or through installments. The funeral home either puts your money in a trust fund with the payout triggered by your death or buys an insurance policy naming itself as the beneficiary. If you’re interested in this route, make sure you’re being guaranteed the services you specify at the contracted price. Some contracts call for additional payments for final-expense funding, which means that if the funeral home’s charges increase between the time you sign up and the time you sign off, somebody will have to pay the difference. Here are some additional questions you should ask before committing: • Can you cancel the contract and get a full refund if you change your mind? • Will your money earn interest? If so, how much? Who gets it? • If there is an insurance policy involved, is there a waiting period before it takes effect? How long? 18

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• Are you protected if the funeral home goes out of business or if it’s bought out by another company?

• If there’s money left over after your funeral, will your heirs get it, or does the home keep it? If you decide to prepay, be sure to get all the details of the agreement in writing, and give copies to your family so they know what’s expected. If your family isn’t aware you’ve made plans, your wishes may not be carried out. And if family members don’t know you’ve prepaid the funeral costs, they could end up paying for the same arrangements. Other Payment Option While prepaying your funerals may seem like a convenient way to go, from a financial point of view, there are better options available. For example, if you have a life insurance policy, many policies will pay a lump sum when you die to your beneficiaries to be used for your funeral expenses. The payment is made soon after you die and doesn’t have to go through probate. Or you could set up a payable-on-death (or POD) account at your bank or credit union, naming the person you want to handle your arrangements as the beneficiary. POD accounts also are called Totten trusts. With this type of account, you maintain control of your money, so you can tap the funds in an emergency, collect the interest, and change the beneficiary. When you die, your beneficiary collects the balance without the delay of probate.


Jim Miller is a contributor to the NBC Today show and author of The Savvy Senior book. Visit

Caregiver Support Programs There are approximately 53 million people who provide unpaid caregiving to family members throughout the year. Americans are living longer, and as the population ages, the number of caregivers will also continue to rise in the coming years. Caregivers are an essential element in our healthcare system and, according to AARP, they account for over $470 billion worth of unpaid labor in the U.S. Caregiving already has become the new norm for many, as we find ourselves helping loved ones who are disabled, frail, or suffering from Alzheimer’s disease, Parkinson’s disease, and kidney and liver diseases, which have been on the rise. Some research has shown that men are increasingly stepping up in the caregiving responsibilities, but women are still more

Benefits & Services for Caregivers • Assessment of caregiver and care recipient needs • Respite care • Training in caregiving skills • Financial assistance to purchase caregiving-related supplies or services • Limited funding for assistive devices and home modifications • Benefits counseling on services available through local, state, and federal programs • Referrals to family support or disease-specific organizations, such as Children of Aging Parents or the Alzheimer’s Disease & Related Disorders Association • Assistance in completing benefits and insurance forms

Eligibility If you are age 18 or older and the primary caregiver* of a functionally dependent person who is age 60 or older, you may be eligible for assistance. If you are age 18 or older and the primary caregiver* of an individual of any age with Alzheimer’s disease or a related disorder, you may be eligible for assistance. If you are age 55 or older and the primary caregiver* of a relative who is under age 18 or a relative age 18­–59 with a non-dementia-related disability who lives with you, you may be eligible for assistance. * A primary caregiver is the one identified adult family member or other responsible person who has primary responsibility for the provision of care — including coordination of care and services — needed to maintain the physical and/or mental health of the care receiver. The caregiver may not receive reimbursement for personally providing caregiving services to the care receiver and must be actively involved with various aspects of care on a regular — but not necessarily daily — basis. For specific program information, please contact your local Area Agency on Aging or visit the Pennsylvania Department of Aging’s website at

likely to provide basic care (e.g., help with dressing, feeding, and bathing), while sons are more likely to provide financial assistance. The major focus of the Pennsylvania Department of Aging’s Caregiver Support Program is to reinforce the care given to adults aged 60 and older with functional deficits, individuals with Alzheimer’s disease, or other related disorders, as well as grandparents and other relatives aged 55 and older who are raising grandchildren or caring for related adults with disabilities. To determine the needs of both the caregiver and receiver, the package of benefits begins with an assessment. You could also take advantage of other benefits available, such as counseling, education, and financial information.

Assessment Criteria (Federal and State)

State No**

Federal No**

Caregiver must be related to the care receiver.



Household income of care receiver is used to determine eligibility.







Maximum amount of reimbursement for home modification/assistive devices (lifetime cap based on purchases, subject to the caregiver’s reimbursement percentage) is:



Caregiver must have primary responsibility for the provision of care and be actively involved with various aspects of the care receiver’s care on a regular — but not necessarily daily — basis.



Caregiver must reside in the same household as care receiver.

Care receiver must require assistance with at least one activity of daily living (ADLs). Maximum amount of monthly reimbursement for caregiver expenses and with documentation to justify need (depending on the caregiver’s reimbursement percentage) is:

** Unless care receiver is 18–59 years of age with a non-dementia-related disability, or the caregiver is 55 years of age and older caring for a child under age 18. *** Must be related by blood, marriage, or adoption if the care receiver is 18–59 years of age with a non-dementia-related disability, or the caregiver is 55 years of age and older caring for a child under age 18. **** ADL requirement does not apply if the caregiver is 55 years of age and older caring for a child under age 18. (The caregiver cannot be the biological parent of the child.) caregiver solutions 2022 BUSINESSWoman


Caring for an Aging Parent: What to Do if They Can’t Meet Their Own Needs By LISA M. PETSCHE

If you have a parent who lives alone, you may be concerned they are no longer able to look after all of their day-to-day needs. Typical indictors include changes in grooming, hygiene, nutrition, housekeeping, financial management, medication compliance, mobility, energy level, and mental status. Getting Help Here are some ways to help, depending on your parent’s situation. Arrange for a medical checkup and accompany your parent. Lethargy, forgetfulness, and confusion could be caused by infection, dehydration, or depression. Request a medication review by the family doctor or pharmacist, since side effects or drug interactions may be the source of difficulties. If nutrition is an issue, arrange a dental appointment to have your parent’s teeth or dentures checked; set up a schedule to take them grocery shopping; stock the freezer with heat-and-serve foods; have them over for dinner; and arrange for nutritional supplements if necessary. If vision is a problem, ask the doctor for a referral to an ophthalmologist. If nothing can be done to improve your parent’s vision, get them a magnifier for reading small print and other adaptive items, such as a large-keypad telephone and a clock with oversized numbers. If falls are a concern, perform a safety assessment to identify potential home hazards and do what you can to rectify them. If financial management is an issue, arrange for direct deposit of pension checks and automatic bill payment from your parent’s bank account. Have a lawyer assist your parent in assigning power of attorney for property to one or more people they trust. Investigate available resources in your parent’s community that may be of help. Information can be obtained from the local office on aging. When Help is Refused What if your parent clearly needs help but won’t accept it? 20

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The approach to take depends on your parent’s personality and the nature of your relationship, but here are some general guidelines. • Raise concerns gently. Use “I” statements — for example, “I notice that …” or, “I’m worried that …” Provide concrete examples. • Emphasize your parent’s abilities and how these can be supported. Stress that your aim is to help them remain at home and maximize their independence. • Organize a family meeting if your parent denies problems. • Gently probe to learn the reasoning behind your parent’s refusal of help. Listen and respect their point of view. Be attuned to underlying feelings, and demonstrate empathy.

• Share brochures or information from the internet. Highlight services or equipment that are free or subsidized. • Focus initially on the least intrusive options, such as setting up an emergency response system or obtaining medical equipment. • Offer to pay, or contribute to, the cost of medical equipment, community programs, or home services if your parent has limited income. If your parent is mentally capable, it’s important to recognize they have the right to put themselves at risk. You may need to agree to disagree about what’s best for them. Managing Stress While it can have its rewards, caring for an aging parent involves physical, psychological, emotional, and financial demands. The following are some strategies to help keep stress manageable. • Look after your health: Eat nutritious meals, get adequate rest, exercise, and get regular medical checkups. • Find something relaxing you can do every day.

• Stay connected to the important people in your life. • Educate yourself about any medical diagnoses your parent may have, and share the information with the rest of the family, to help you all understand. • Take things one day at a time so you don’t get overwhelmed. • Give yourself permission to feel all of the emotions that surface, including frustration and resentment. • Don’t try to handle things alone. Ask other family members to help and be specific about what is needed. • Join a caregiver support group in your community or on the internet. • Never forget that you can only take good care of your parent if you take good care of yourself.


Lisa M. Petsche is a social worker and a freelance writer specializing in boomer and senior health matters. She has personal experience with elder care.

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Savvy Senior: How to Find Financial Assistance for Aging-in-Place Improvements By JIM MILLER Dear Savvy Senior, Do you know of any financial assistance programs that can help seniors with home improvement projects? I would like to help my grandparents make a few modifications to their house so they can continue living there safely, but money is tight. – Searching Grandson Dear Searching, Yes! There are a number of financial aid programs available that can help seniors with home modifications and improvement projects for aging-in-place, but what’s available to your grandparents will depend on their financial situation and where they live.


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Here are some different options to explore. Medicare Advantage benefits: While original Medicare does not typically pay for home improvements, if your grandparents are enrolled in a Medicare Advantage (Part C) plan, it may offer some aid for modifications based on need. Contact their Medicare Advantage provider to see if this is available. Medicaid waivers: If your grandparents are low-income and eligible for Medicaid, most states have Medicaid Home and Community-Based Services waivers that provide financial assistance to help seniors avoid nursing homes and remain living at home.

Each state has different waivers, eligibility requirements, and benefits. Contact your Medicaid office (see for information. Non-Medicaid government assistance: Many state governments and several agencies within the federal government have programs that help low- to moderate-income seniors who aren’t eligible for Medicaid with home modifications. For example, the Department of Housing and Urban Development offers HUD Home Improvement Loans by private lenders. Contact a HUD-approved counseling agency — call (800) 569-4287 — to learn more. And the U.S. Department of Agriculture has a Rural Development program that provides grants and loans to rural homeowners. Your local USDA service center (see can give you more for information. Many states also have financial assistance programs known as nursing home diversion programs. These programs, which may include grants or loans or a combination, help pay for modifications that enable the elderly and disabled to remain living at home. Modifications covered typically include accessibility improvements like wheelchair ramps, handrails, and grab bars. To find out if there are programs in your grandparents’ area, contact the city or county housing authority, the local Area Aging on Agency, or the state housing finance agency — see Veteran benefits: If your either of your grandparents is a veteran with a disability, the VA provides grants like the SAH, SHA, and HISA grants that will pay for home modifications. See benefits. sahfactsheet.pdf for details and eligibility requirements. Some other VA programs to inquire about are the “Veteran-Directed Care” program and “Aid and Attendance or Housebound Benefits.” Both programs provide monthly financial benefits to eligible veterans that can help pay for home modifications. To learn more, visit or call (800) 827-1000. Nonprofit organizations: Depending on where your grandparents live, they may also be able to get assistance in the form of financial aid or volunteer labor to help with modifications. One of the most noteworthy is the organization Rebuilding Together, which offers three programs: Safe at Home, Heroes at Home, and National Rebuilding Day. Visit or call (800) 4734229.

Another option is community building projects, which provide seniors with volunteer labor to help them make home improvements. To search for projects in your grandparents’ area, do web search containing the phrase “community building project” followed by their city and state. Reverse mortgage: Available to seniors 62 and older who own their own homes and are currently living there, a reverse mortgage will let your grandparents convert part of the equity in their home into cash — which can be used for home improvements — that doesn’t have to be paid back as long as they live there. But reverse mortgages can be expensive loans, so this should be a last resort. For more information on these and other financial-assistance programs, go to Paying for Senior Care (payingforseniorcare. com) and click on “Senior Care” followed by “Home Modifications.”


Jim Miller is a contributor to the NBC Today show and author of The Savvy Senior book. Visit

Are you on Medicare? Could you use help with Medicare Costs? You may be eligible to receive financial assistance to help pay for your Medicare Part B premium and prescription drug costs! Contact us for more information. PA Medi is a free health insurance counseling program for Medicare beneficiaries that is designed to provide objective, easy-to-understand information about Medicare, Medicare Supplemental Insurance, and Medicaid, Medigap, and Medicare financial assistance programs.

Phone: 1-800-783-7067 “This project was supported, in part by grant number 2101PAMIAA-00, from the U.S. Administration for Community Living, Department of Health and Human Services, Washington, D.C. 20201.” caregiver solutions 2022 BUSINESSWoman


Organizing Your Personal Affairs Getting personal affairs in order is something every one of us should do — but somehow, something always seems to get in the way. The whole topic may just seem too confusing. You may not know where — or with whom — to start. To help you get organized, complete this record of personal affairs. Record of Personal Affairs ATTORNEY Name:___________________________________________________ Address: _________________________________________________ Telephone: _______________________________________________ ACCOUNTANT Name: ___________________________________________________ Address: _________________________________________________ Telephone: _______________________________________________ EXECUTOR Name: ___________________________________________________ Address: _________________________________________________ Telephone: _______________________________________________ STOCKBROKER Name: ___________________________________________________ Address: _________________________________________________ Telephone: _______________________________________________ Stock Certificates Located:___________________________________ BANK ACCOUNTS: SAVINGS/CHECKING Name and Type: ___________________________________________ Address: _________________________________________________ Name and Type: ___________________________________________ Address: _________________________________________________ Passbooks Located: ________________________________________ LIFE INSURANCE Name of Company: _ _______________________________________ Policy #: _________________________________________________ Policy #: _________________________________________________ Policies Located: __________________________________________ PENSION OR UNION PLAN Name of Company: _ _______________________________________ Address: _________________________________________________ Plan is Located: ___________________________________________ REAL ESTATE BROKER Name: ___________________________________________________ Address: _________________________________________________ Telephone: _______________________________________________ Deeds are Located: _________________________________________ SAFE-DEPOSIT BOX Name of Bank: ____________________________________________ Address: _________________________________________________ Telephone: _______________________________________________ In Whose Name? __________________________________________ Key Located: _____________________________________________ INCOME TAX RECORDS Located: _________________________________________________


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AUTOMOBILE REGISTRATIONS Vehicle: _ ________________________________________________ Registration Located: _______________________________________ WILL Original Located: __________________________________________ Copy Located: ____________________________________________ THERE IS NO WILL AND SUGGEST THE FOLLOWING BE ADMINISTRATOR OF ESTATE Name: ___________________________________________________ Address: _________________________________________________ Telephone: _______________________________________________ SPECIAL INSTRUCTIONS _________________________________ ________________________________________________________ BIRTH CERTIFICATES LOCATED _ _________________________ MARRIAGE CERTIFICATE LOCATED _______________________ FUNERAL HOME TO BE CONTACTED Funeral Home Name: _______________________________________ Address: _________________________________________________ Telephone: _______________________________________________ Prearranged Funeral Made: __________________________________ Prearrangement Contract: _ __________________________________ Contract Located: __________________________________________ CEMETERY INFORMATION Name of Cemetery Desired: __________________________________ Address: _________________________________________________ Telephone: _______________________________________________ Plot in Whose Name? _______________________________________ Plot Number: _____________________________________________ Section: _ ________________________________________________ Block: ___________________________________________________ Location of Deed: _ ________________________________________ CREMATION Disposition of Ashes: _______________________________________ FUNERAL SERVICE TO BE HELD Church: __________________________________________________ Funeral Home: ____________________________________________ Other: ___________________________________________________ Clergyman Name: _______________________________________________ Address: _____________________________________________ Telephone: _ __________________________________________ Music: _ _________________________________________________ Clothing: _ _______________________________________________ Visitation/Calling Hours: ____________________________________ Pallbearers Name: ___________________ Telephone: ________________ Flowers: _________________________________________________ Memorials: _______________________________________________ Lodge or Military Service/Contact Name: ___________________ Telephone: ________________ Other Personal Requests/Contact These People Name: ___________________ Telephone: ________________

Information that’s relevant to your life! Since 1995 On-Line Publishers, Inc., a multi-title, niche-publishing and event-production company, has effectively reached boomers, seniors, caregivers, and elder care professionals with award-winning publications and events.

50plus Life, formerly 50plus Senior News, is a monthly newsprint magazine for and about the 50+ community. Editions in Chester, Cumberland, Dauphin, Lancaster, Lebanon, and York counties.

All publications are available online, in print, and on mobile/tablet devices.


50plus Living

CAREGIVER SOLUTIONS is distributed throughout south-central PA and available at our expos. It offers invaluable information to the person managing the care of a loved one. It includes a directory of housing, care, and service providers.

50plus Living is an annual guide to residences and care options available to boomers and seniors in the Susquehanna and Delaware valleys.

is a source for information about local products, services, and support for the community. Now included as “yellow pages” in 50plus Life.

Serving the mind, heart, and spirit of the 50+ community since 1995. On-Line Publishers, Inc. • 717.285.1350 • 610.675.6240 •

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Good Reads The Unexpected Journey of Caring By Donna Thomson and Zachary White Kindle; print The Unexpected Journey of Caring is a practical guide to finding personal meaning in the 21st century care experience. Personal transformation is usually an experience we actively seek out — not one that hunts us down. Becoming a caregiver is one transformation that comes at us, requiring us to rethink everything we once knew. Everything changes — responsibilities, beliefs, hopes, expectations, and relationships. Caregiving is not just a role reserved for “saints” — eventually, everyone is drafted into the caregiver role. It’s not a role people medically train for; it’s a new type of relationship initiated by a loved one’s need for care. And it’s a role that cannot be quarantined to home because it infuses all aspects of our lives. A Bittersweet Season: Caring for Our Aging Parents — and Ourselves By Jane Gross Kindle; audio; print When Jane Gross found herself suddenly thrust into a caretaker role for her 85-year-old mother, she was forced to face challenges she had never imagined. As she and her younger brother struggled to move her mother into an assisted living facility, deal with seemingly never-ending costs, and adapt to the demands on her time and psyche, she learned valuable and important lessons. Here, the longtime New York Times expert on the subject of elderly care and the founder of the New Old Age blog shares her frustrating, heartbreaking, enlightening, and ultimately redemptive journey, providing us along the way with valuable information she wishes she had 26

known earlier. We learn why finding a general practitioner with a specialty in geriatrics should be your first move when relocating a parent; how to deal with Medicaid and Medicare; how to understand and provide for your own needs as a caretaker; and much more. Wise, smart, and ever-helpful, A Bittersweet Season is an essential guide to caring for aging parents. The 36-Hour Day By Nancy L. Mace and Peter V. Rabins, M.D. Kindle; print For 40 years, The 36Hour Day has been the leading work in the field for caregivers of those with dementia and is now completely revised and updated. Written by experts with decades of experience caring for individuals with memory loss, Alzheimer’s, and other dementias, the book is widely known for its authoritativeness and compassionate approach to care. Featuring everything from the causes of dementia and managing its early stages, to advice on caring for those in the later stages of the disease, it is widely considered to be the most detailed and trusted book available. Highlighting useful takeaway messages and informed by recent research into the causes of dementia, it features: •B rand-new content on everything from home care aides to useful apps to promising preventative techniques and therapies •P ractical advice for avoiding caregiver burnout — plus tips for when and how to get additional help •A completely new two-column design that allows readers to quickly access what they need

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The Caregiver’s Guide to Dementia: Practical Advice for Caring for Yourself and Your Loved One By Gail Weatherill Kindle; print; audio When caring for someone with dementia, your own mental stability can be the single most critical factor in your loved one’s quality of life. The Caregiver’s Guide to Dementia brings practical and comprehensive guidance to understanding the illness, caring for someone, and caring for yourself. From understanding common behavioral and mood changes to making financial decisions, this book contains bulleted lists of actions you can take to improve your health and your caregiving. Inspirational and compassionate, it focuses on the caregiver’s underlying love and humanity that cannot be taken away by any disease. In The Caregiver’s Guide to Dementia, you’ll find: • Dementia defined — Understand dementia and its many forms, with an explanation of the illness and its variations. •C aregiver wellness — At the end of each chapter, a small section provides relaxation and mindfulness exercises and reflection for dementia caregivers. • Practical approach — The back of the book is filled with resources, from financial planning to tips on safety, along with questions for healthcare professionals, lawyers, accountants, therapists, and friends. GG Forgot My Name: A Family Adjusting to Alzheimer’s By Cynthia Hughes Kindle; print This is a heartwarming story about a little girl and

her family who helps her great-grandma, “GG,” through Alzheimer’s. The book reflects actual situations that occurred throughout the progression of GG’s disease and the questions 4-year-old Everly asked about GG. It demonstrates the value of helping children understand aspects of Alzheimer’s. At one point, Everly asks why GG always calls her Sissy or Missy, and not Everly. Her dad explains how even though GG may forget her name, GG is always happy to see Everly and knows she is someone special to her. This response makes Everly happy. Alzheimer’s can have a big effect on our loved ones, but there are still many ways you can help them. Join GG and her family as they learn to adjust to their new circumstances. Trauma Stewardship: An Everyday Guide to Caring for Self While Caring for Others By Laura van Dernoot Lipsky and Connie Burk Kindle; print; audio A longtime trauma worker, Laura van Dernoot Lipsky offers a deep and empathetic survey of the oftenunrecognized toll taken on those working to make the world a better place. We may feel tired, cynical, or numb or like we can never do enough. These, and other symptoms, affect us individually and collectively, sapping the energy and effectiveness we so desperately need if we are to benefit humankind, other living things, and the planet itself. In Trauma Stewardship, we are called to meet these challenges in an intentional way. Drawn from modern psychology and a range of spiritual traditions, Lipsky offers a variety of simple and profound practices that enable us to look carefully at our reactions and motivations and discover new sources of energy and renewal. She includes interviews with successful trauma stewards from different walks of life. “We can do meaningful work in a way

that works for us and for those we serve,” Lipsky writes. “Taking care of ourselves while taking care of others allows us to contribute to our societies with such impact that we will leave a legacy informed by our deepest wisdom and greatest gifts instead of burdened by our struggles and despair.” Advice from a Parkinson’s Wife: 20 Lessons Learned the Hard Way By Barbara Sheklin Davis Kindle; print More than 10 million people worldwide live with Parkinson’s disease, and their spouses are most likely to be their primary caregivers. The transition from spouse to caregiver is not an easy one, often causing frustration, resentment, sadness, fear, and concern about the future. A lot has been written about caring for the Parkinson’s patient, but their caregivers need a book to help them cope with the enormous life changes that Parkinson’s brings to a relationship. This book does that. Barbara Davis’s husband had Parkinson’s for over 20 years. She wrote this book after more than two decades of personal experience because she wanted to chronicle the serious matters that most Parkinson’s partners don’t like to talk about publicly and the feelings and frustrations they are embarrassed to share. By discussing these challenges openly and honestly, this unique book seeks to help others in ways that are not otherwise easily accessible and to let them know they are not alone in dealing with the negative life impacts of Parkinson’s disease. Among the topics covered in the book are: •H ow your marriage changes and what caregiving does to you

• How to handle doctor visits • W hat to do about falls, clinging, masks, and variability • Handling guilt and other emotions • Suggestions for practical steps you can take to make things easier The Caregiver’s Guide to Stroke Recovery: Practical Advice for Caring for You and Your Loved One By Lucille Jorgensen Kindle; print A stroke changes the life of more than just the survivor. Becoming a caregiver for a stroke patient means increased responsibilities, hard decisions, and new emotional stresses — especially when the patient is a loved one. This strokerecovery book will help you through these challenging times with knowledge, compassionate guidance, and reaffirming stroke-rehabilitation anecdotes. Topics such as medications and treatments, financial and legal decisions, and work-life balance are also covered, as well as: • Understanding stroke – Discover the signs and symptoms of a stroke, explained in layperson’s terms, as well as the steps to prevent a stroke from occurring. • Care and recovery – Find helpful advice to restore the best health and function possible and be an advocate for a stroke patient with doctors and their support team. • Caring for yourself – Uncover practical tips, guidance, and resources for supporting a caregiver’s mental and physical health, which are just as important to patient recovery. Ease the challenges on your shared path to healing through The Caregiver’s Guide to Stroke Recovery.

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DIRECTORY OF HOUSING & CARE PROVIDERS Avail Personal In-Home Care Services 717.881.9056 1900 West Mason Ave York, PA 17404

Patriot Home Care 208 North Third Street, Suite 200 Harrisburg, PA 17101

Family-owned and operated nonmedical home care agency. We accept Community Health Choices waiver and private pay. See ad on page 13

Patriot Home Care works with state insurance companies to those in need who qualify as low income to provide nonmedical care so that you can stay comfortably in your own home. See ad on page 21

Bethany Village 325 Wesley Drive Mechanicsburg, PA 17055


Providence Place Senior Living



Bethany Village is a not-for-profit retirement community. Numerous residential options are available as well as assisted living, memory support, and skilled nursing services. See ad on page 7

Our age-in-place communities offer independent living, assisted living, and memory care (early or late-stage) in a scenic setting. See ad on page 15

Chapel Pointe at Carlisle 770 South Hanover Street Carlisle, PA 17013

SpiriTrust Lutheran 1050 Pennsylvania Avenue York, PA 17404

Homeland Center 1901 North Fifth Street Harrisburg, PA 17102



Homeland Center, a continuing care retirement community, offers beautiful personal care suites, skilled nursing, rehabilitation, and dementia care. Our community outreach programs serve counties throughout the south-central Pennsylvania region, and include Hospice, HomeHealth, and HomeCare. See ad on page 5

Homeland Hospice, HomeHealth, 717.857.7400 and HomeCare 2300 Vartan Way, Suite 270 Harrisburg, PA 17110 Homeland at Home, a community outreach of Homeland Center, provides a continuum of At Home care services—from nonmedical personal assistance to wound care, teleheath monitoring, and physical and occupational therapy, as well as compassionate hospice care. See ad on page 5

Life Time Adult Day Care 27 Miller Street Lemoyne, PA 17043



For 60 years, SpiriTrust Lutheran has been providing seniors throughout York, Adams, and Franklin counties with homes and services designed to meet their needs. See our ad and listings for locations and contact information. See ad on page 32

SpiriTrust Lutheran, The Village at Gettysburg 1075 Old Harrisburg Road Gettysburg, PA 17325 See ad on page 32


SpiriTrust Lutheran, The Village at Kelly Drive 750 Kelly Drive York, PA 17404 See ad on page 32


SpiriTrust Lutheran, The Village at Luther Ridge 2736 Luther Drive Chambersburg, PA 17202 See ad on page 32


Providing daytime compassionate care and support to participants and their caregivers. Social and recreational activities, trained staff, and lunch provided. 28

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DIRECTORY OF HOUSING & CARE PROVIDERS SpiriTrust Lutheran, The Village at Shrewsbury 800 Bollinger Drive Shrewsbury, PA 17361 See ad on page 32


SpiriTrust Lutheran, 717.764.9994 The Village at Sprenkle Drive 1802 Folkemer Circle York, PA 17404 See ad on page 32

SpiriTrust Lutheran, The Village at Utz Terrace 2100 Utz Terrace Hanover, PA 17331 See ad on page 32


SpiriTrust Lutheran® Home Care & Hospice See ad on page 32


Visiting Angels 1840 East Market Street York, PA 17402


Providing in-home, non-medical care to older adults in York, Lancaster, and Hanover. Specializing in dementia care for adults and their families. See ad on page 17

Visiting Angels 4607 Locust Lane Harrisburg, PA 17109

717.652.8899 717.737.8899

Nursing Care Community Rehabilitation Facility Respite Care Adult Day Center Home Care Services Hospice Care Palliative Care

Color Key For Directory of Caregiving Providers Independent Residences Personal Care Home Assisted Living Residence Dementia Units

Care Options Home Health Care may be provided in a residential setting or as ancillary services wherever you call home. May be medical home health or non-medical services, such as light housekeeping, transportation to doctor visits, shopping, respite, and more. Hospice Care is for families living and coping with a life-limiting illness. Hospice provides professional treatment of pain and symptom management with support and counseling. Assisted Living Residences (ALRS) are designed to provide housing and supportive services to allow residents to “age in place.” As of January 2011, licensure requirements for ALRs became effective.

Adult Day Centers offer programs in facilities or independent organizations for hourly or daily adult supervision. Nursing/Rehab Facilities offer skilled or intermediate levels of care. Intermediate Care Facilities are for individuals who can move around the facility on their own initiative, even in a wheelchair, and are not bed bound. Skilled Nursing Facilities are for patients who require 24-hour nursing supervision, many of whom are confined to bed for some portion of the day. CCRCs are communities offering a variety of living options in addition to comprehensive medical and nursing services.

Personal Care Homes offer food, shelter, and personal assistance or supervision. They are ideal for people who do not require the services of a long-term care facility but need help with transferring in and out of a bed, toileting, personal hygiene, and other activities of daily living. Respite Care provides normal caregiving opportunities on a short-term basis. May range from personal to nursing care, at home or in a care community. Retirement Communities and 55+ Adult Communities are planned for active individuals who are able to care for their own basic needs but want to live with other 50+ mature adults.

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DIRECTORY OF ANCILLARY SERVICES AREA AGENCIES ON AGING Chester County Area Agency on Aging Cumberland County Aging and Community Services Dauphin County Area Agency on Aging Lancaster County Office of Aging Lebanon County Area Agency on Aging York County Area Agency on Aging See ad on this page

610.344.6350 717.240.6110 717.780.6130 717.299.7979 717.273.9262 717.771.9610

COMPLEMENTARY ASSISTANCE Cumberland County Aging and Community Services 1100 Claremont Road Carlisle, PA 17015


Provides service coordination for LTSS (Long-Term Services and Supports) Waiver Program participants in Cumberland, Perry, and Dauphin counties. Dauphin County Area Agency On Aging 717.780.6130 2 South Second Street Harrisburg, PA 17101 Dauphin County Area Agency On Aging provides services to older adults who reside in Dauphin County and are age 60 or older. Lancaster County Office of Aging 717.299.7979 Caregiver Support Program 800.801.3070 150 North Queen Street, Suite 415 Lancaster, PA 17603 The Caregiver Support Program provides caregivers with benefits counseling and reimbursement for related expenses and home modifications.

DISABILITY SERVICES Pennsylvania Link to Aging and Disability Services 1100 Claremont Road Carlisle, PA 17015

HOME MODIFICATIONS ProCare Medical / ProCare@Home 855.528.0421 759 Flory Mill Road Lancaster, PA 17601 ProCare@Home helps people stay in the home they love by providing accessibility solutions and equipment. Barrier-free showers, ramps, ceiling lifts, stair lifts, and more. See ad on page 9

LEGAL Nikolaus & Hohenadel, LLP Barbara Reist Dillon, Wanda S. Whare 212 North Queen Street Lancaster, PA 17603


Areas of expertise include: elder law, wills, powers of attorney, living wills, medical powers of attorney, and estate settlement. Offices in Lancaster, Columbia, Elizabethtown, and Quarryville.

MEDICAL EQUIPMENT ProCare Medical / ProCare@Home 855.528.0421 759 Flory Mill Road Lancaster, PA 17601 ProCare@Home helps people stay in the home they love by providing accessibility solutions and equipment. Barrier-free showers, ramps, ceiling lifts, stair lifts, and more. See ad on page 9

Responding to the Needs of Americans 60 and Over


A shared, statewide approach for long-term service and support for all populations — regardless of age, income, or ability — including all payers: federal, state, local, and private. See ad on page 23

Advocacy. Action. Answers on Aging. Contact your local agency for assistance (See listings above). 30

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— Support and Information — 239.594.3222

Eldercare Locator 800.677.1116

All About Vision

Epilepsy Foundation of America 800.332.1000

American Cancer Society Response Line 800.227.2345

National Institute of Mental Health Information Line 866.615.6464 National Library Service for the Blind & Physically Handicapped 888.657.7323

EyeCare America 877.887.6327

National Parkinson Foundation, Inc. 800.473.4636

American Diabetes Association 800.342.2383

Family Caregiver Alliance 800.445.8106

American Speech Language-Hearing Association 800.638.8255

Guide Dog Foundation for the Blind 800.548.4337

American Urological Association 410.689.3700 or 866.746.4282 Arthritis Foundation Information 800.283.7800

Medicare 800.633.4227

Needy Meds 800.503.6897 Office of Minority Health Resource Center 800.444.6472 PACE/PACENET 800.225.7223

Medicare Rights 800.333.4114 Medicare Telephone Hotline 800.633.4227

Pennsylvania Department of Human Services 800.692.7462


National Alliance for Caregiving 301.718.8444

Rural Information Center 800.633.7701

Caregiver Action Network 202.454.3970

National Clearinghouse for Long-Term Care Information


Caregiver Media Group 800.829.2734

National Council on Alcoholism & Drug Dependence, Inc. 212.269.7797

BenefitsCheckUp 571.527.3900

Christopher & Dana Reeve Foundation 800.225.0292 Community Action Network Crohn’s and Colitis Foundation of America, Inc. 800.932.2423

National Health Information Center 240.453.8281 National Institute on Aging Information Center 800.222.2225

Shriners Hospital for Children Referral Line 800.237.5055 Simon Foundation for Continence 800.237.4666 Veterans Administration 855.260.3274

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A Spirit of Service, A Legacy of Trust

Enjoy more time with those you love and less worrying about future “what-ifs” with SpiriTrust Lutheran’s® family of services. Our spirit of caring has enhanced the lives of seniors and earned the trust of thousands for 70 years. SpiriTrust Lutheran® Life Plan Communities includes six campuses: • The Village at Gettysburg, Gettysburg • The Village at Kelly Drive, York • The Village at Luther Ridge, Chambersburg • The Village at Shrewsbury, Shrewsbury • The Village at Sprenkle Drive, York • The Village at Utz Terrace, Hanover These communities feature: • Maintenance-free retirement living in one of our residential neighborhoods • Support with daily activities in one of our personal care or assisted living neighborhoods • Specialized care in our memory support assisted living neighborhood • Short-term rehabilitation or nursing care in one of our skilled care centers

SpiriTrust Lutheran® LIFE, Living Independence for the Elderly, features a personalized program with medical and personal care assistance, recreation therapy, and social opportunities for those 55+. Services are conveniently provided in the participant’s home or at one of two LIFE Centers in Enola and Chambersburg. SpiriTrust Lutheran® Home Care & Hospice provides health care and related services to those striving to achieve the highest quality of life, as well as in-home medical, spiritual and emotional support from an interdisciplinary team of caregivers.

Come discover the SpiriTrust Lutheran not-for-profit, faith-based difference and expand life’s possibilities!

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