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RetiRement Communities

Times A Special Section of the

July 2019

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The Times - Retirement Communities

How to prevent falls for seniors Evergreen Place One of the greatest areas of concern impacting seniors’ safety and independence is falls. As strength, mobility and balance change with age, the elderly population becomes more vulnerable to falls. In fact, the Illinois Department of Public Health (IDPH) identifies falls as the number one cause of senior injury and accidental death. Every 11 seconds a senior citizen is treated in the emergency room for a fall. Some of the higher risk fall injuries include hip damage and head trauma, which can lead to life-threatening complications. Fall injuries sustained by seniors can make formidable obstacles to senior independence. The fear of a fall can often impact a senior’s life, too. They are afraid of a potential fall, and thus limit their social engagements and activities. This can lead to isolation and depression because of their fear of getting hurt. During the cold winter months, we are more aware of the dangers of slipping on icy or snowy sidewalks. However, inside the home is where the greatest number of falls occurs. Here are some safety measures you can take to help keep your loved one on their feet and feeling confident in their movements.

SAFETY IN THE HOME: u Provide ample lighting. Make sure there are enough lamps, flashlights and bright light bulbs to illuminate seniors’ living space. Night lights for bathrooms and hallways are particularly useful for people who may get up during the night. u Install grab bars throughout the home. Providing something stable to hold on to can greatly assist seniors. Specific areas to consider installing grab bars or handrails include stairs, bathrooms and any other uneven surfaces.

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Residents of Evergreen Place had the opportunity to take “A Matter of Balance” course put on my CCSICase Coordination Unit. This class is designed to manage falls and increase activity levels in seniors. u Invest in non-slip rugs or mats. By increasing traction and stabilization, seniors reduce their fall hazards. Unsecured rugs present considerable hazard to senior health and should be removed. Nonslip decals for bathtubs can also be very helpful. u Manage loose items. Clean up clutter and make sure that the home is clear of any items. Avoid loose cords or keeping extra “stuff ” that can impede walking paths. u Move carefully. Standing up too quickly can cause a senior to experience dizziness, which could lead to a tumble. Stand up and sit down slowly. Remind your loved one to be cognisant of their movements and to move at their speed.

TALK TO YOUR DOCTOR: u Review medications with a doctor. Seniors should talk to their doctor about medication that may cause dizziness or imbalance. A simple prescription change can make a tremendous difference for seniors. u Attend regular vision check-

Evergreen Place in Streator is a Supportive Living Community that provides residential living opportunities for seniors. Our apartment floor plans are designed with senior safety in mind, and our Wellness Team is on hand to support seniors with their daily care, including keeping them safe from falls. Evergreen Place Supportive Living is located at 1529 E. Main St. in Streator. Visit us on the web at Want to schedule a tour? Contact Kaitlan Van Hamme, Community Resource Coordinator at (815) 672-0903 or

ups. A regular visit to the eye doctor will identify changes in prescription or health conditions affecting depth perception. u Share your concerns. Most seniors will not discuss their fear of a fall with their healthcare provider, but encouraging them to do so provides an opportunity to be pro-active.

MAKE YOUR HEALTH A PRIORITY: u Exercise. A daily exercise

regimen, even something as simple as a short walk, can help improve core stability and strengthen muscles. A healthcare provider should be able to provide safe, low-impact exercises that can be done at home to help improve balance. u Watch alcohol intake. Drinking alcohol, even a small amount, increases everyone’s likelihood of falling. Seniors who wish to avoid a painful tumble ought to limit or eliminate alcohol from their diet.

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The Times - Retirement Communities

Make vacations and travel a key component of retirement Metro Creative Services 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. Traveling can be a rewarding prospect for active seniors, particularly those who successfully preplanned for retirement and have the income to fund various excursions. Many seniors, both in the United States and Canada, 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. u Road trips rule. Taking to the highways and byways is an excellent way to see the country. Seniors can customize their routes depending on which places they want to visit. 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. Campsites and special RV hook-up sites offer the necessities of traveling the open road. u Genealogical tourism is popular. People hoping to trace their ancestry and visit their ancestral homelands are one of the fastest-growing travel segments. Visiting an old church in Europe where ancestors were married or buying food from a market in which a great aunt or uncle once worked leads retirees on many international 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. u Exotic tours can be exciting destinations. History buffs or adventure-seeking couples may be particularly attracted to exotic travel destinations that are slightly off of the beaten path. Travel tours may take vacationers to destinations such as excavation sites or backpacking through the rainforest. u Enjoy a relaxing seaside trip. A seaside vacation can be the perfect trip for seniors who want to put their feet up and sip some cocktails while watching the waves lap the shores. Many

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Now that they have more free time, retirees can gear up for travel adventures to remember. beach resorts offer all-inclusive packages for different age groups. Meals, excursions and hotel rooms can be bundled into one affordable, confusion-free price. u Go cruising. Speaking of all-inclusive vacationing, cruising seems tailor-made for those ages 50 and older because it

offers the convenience of accommodations, food, entertainment, and transportation all in one. 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.

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The Times - Retirement Communities

Overconfidence leads to mistakes in retirement planning Among 55-plus working households, four in 10 have saved at least a quarter-million dollars for retirement, according to a long-running retirement confidence survey. Is that enough to maintain their lifestyle in retirement? It’s difficult to say without knowing the full range of assets and matching them to former income. However, this top group in the Employee Benefit Research Institute survey does have enough to attract the attention of unscrupulous advisers and salespeople, says a veteran advocate for fraud victims. Attorney ATTORNEY ANDREW Andrew STOLTMANN Stoltmann, who says he represents lottery winners, finds a lot of similarities between the lucky few and the masses of near and new retirees getting ready to roll over their 401(k) savings on their own. “The parade of ‘horribles’ around lottery winners, professional athletes and rollovers are legendary,” said Stoltmann. Part of the problem is overconfidence. EBRI and Greenwald & Associates found a troubling disconnect between workers’ overall level of savings and their confidence in a secure retirement. The Retirement Confidence Survey found 67 percent of workers feel confident they have enough resources to retire comfortably, yet a relative few have spent much time creating formal financial plans and many have not saved enough. Strong stock market gains and economic growth likely drove the confidence numbers, officials said. Combining overconfidence with a six-figure 401(k) plan leaves a lot of vulnerable near-retirees, Stoltmann said. “Early mistakes can doom a lottery winner or a retiree in much the same way,” he said. Here are a few of the most common mistakes that Stoltmann sees: u Missing the risk target. Misjudging how conservative or aggressive to

‘The parade of “horribles” around lottery winners, professional athletes and rollovers are legendary. Early mistakes can doom a lottery winner or a retiree in much the same way.’

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Don’t let overconfidence — from starting your retirement fund early or reaching your goals quickly — lead to costly mistakes with your money.

Janet Kidd Stewart make the portfolio can make a pot of savings either needlessly volatile or so conservative that it gets eaten by inflation. Lottery winners and retirees often are thrust into a risk profile very different from what they’ve had in the past, so they are particularly vulnerable to errors here. Workers who spent their careers stuffing contributions into a target-date fund without thinking much about how the allocation was changing could be particularly unprepared. The trick is to understand this and ask questions about how any investment manager arrived at the risk profile being recommended. u Paying too much. Both types of investors hear lots of pitches for financial services, sometimes without knowing how to compare them. Drill down on the cost of investing (expense ratios of mutual funds and ETFs,

for example) and then ask how the firm charges for advice. Compare the total fees your prospective adviser will charge with what your old employer charges. Most 401k plans allow retirees to leave assets in the plans, though few have easyto-use mechanisms for drawing regular income. Some charge based on a percentage of assets they manage, while others offer flat fees. Know both what you’re paying and what you are getting for the money. u Failing fiduciary. By now the term fiduciary has become fairly widely known, but this is still a tricky area. Fee-only financial advisers tout their pledge to put the interests of customers ahead of their own. You can get these advisers to sign a fiduciary pledge and investigate their track record, but that doesn’t mean they are free from future temptations toward fraud. And digging deeper, are they truly providing usable tax advice? Using a robust withdrawal strategy? In short, earning their fee? JANET KIDD STEWART writes The Journey for Tribune Content Agency. Share your journey to or through retirement or pose a question at

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The Times - Retirement Communities

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Giving to charity in the last third of your life Today, the U.S. population includes nearly 50 million adults over the age of 65. Members of this demographic control substantially greater assets and net worth than any younger generation. According to the Federal Reserve, the average net worth for Americans age 65-74 is $1,066,000. The median net worth is $224,000. The U.S. Census Bureau estimates that by 2060, the population over 65 will nearly double to 98.2 million. Older Americans make up the most generous generational group in the country. Those born before 1964 account for nearly 70% of all charitable giving. Many older Americans are able to shift their focus from income creation to asset preservation, retirement and a more relaxing lifestyle. They often increase their giving and volunteering — with enormous benefits for society and themselves as well. Today’s retirees are almost six times more likely to define success by their generosity (85%) than by their wealth (15%). Retirees who give are more likely than their less-generous counterparts to report high levels of happiness and a sense of purpose.

VOLUNTARISM ENHANCES WELLBEING, HEALTH Millions of adults volunteer their time to help other people or a specific cause. They report: u Improved self-esteem (88%), u Lower stress levels (79%),

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a nonprofit’s need, safety and training to assure an experience that benefits both the volunteer and the organization. Despite the relative affluence of older Americans, there are millions more who On Philanthropy struggle to make ends Bruce DeBoskey meet and for whom traditional charity is not an option. u Feeling physically Based on the official better (75%), poverty threshold of u An improvement $11,756 for people ages in mood (93%), 65 and older in 2017, u An expanded worlthe number of older dview (89%), and adults in poverty was u An enriched sense 4.7 million (9.2%). This of purpose in life number rises to 7.2 (94%). million (14.1%) based Moreover, volunteeron the alternative (and ing frequently to help more accurate) Suppleothers is associated mental Poverty Meawith delayed mortality sure threshold. among older adults, Under both meaaccording to a Stanford sures, the poverty rate University study. among people ages 65 “When the happiand older is higher ness, security and for women, Black and well-being of others Hispanic adults, and become real to us, we people in relatively come into our own,” Metro Creative Services poor health. A staggersaid Dr. Stephen Post, a ing 42% of older Amerprofessor of preventive Giving to charity can be rewarding on multiple levels. icans (21.4 million) live medicine and bioethwith less than 200% ics at Stony Brook u What kind of of the SPM poverty u How much do University School of philanthropic efforts threshold. I want to leave for Medicine. “Creativity, could help me achieve For those in a more my heirs, keeping in meaning, resilience, a greater sense of sigcomfortable financial mind the apt words health and even longevnificance in my life? position, however, of Warren Buffet: ity can be enhanced as charitable activities “Enough so that they u Can an expert in a surprising byproduct in the last third of life would feel they could wealth management, of contributing to the can have tremendous do anything, but not so tax and estate planlives of others. This is meaning and value. much that they could ning, or philanthropperennial wisdom, and “One thing I know,” do nothing”? ic strategy help me science now says it is said Albert Schweitzer, u How do I wish to answer any of these so.” “the only ones among be remembered? What questions? you who will be really is my legacy? QUESTIONS TO happy are those who u What difference do MILLIONS STILL GUIDE will have sought and I want to make in my STRUGGLE found how to serve.” community, nation or OLDER AMERICANS world while I am still When acting on a desire to be generous, BRUCE DEBOSKEY is a philSeniors who are con- in a position to do so? anthropic strategist working elders can be suscepsidering philanthropy u What skills do with The DeBoskey Group tible to fraud. They should ask themselves I have that might be ( to should ignore both a series of important useful to others? help businesses, families and telephone and front questions, including: u How do I wish to foundations design and impledoor solicitations and u How much of my ment thoughtful philanthropic share and express my strategies and actionable plans. should reject random net worth is needed to values with my chilHe is a frequent speaker at email and internet adequately take care dren and grandchilconferences and workshops on donation requests. of myself and any dren? philanthropy. Readers may send dependents for the rest u What am I passion- Before volunteering, him email at bruce@debosthey should question of our lives? ate about?

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The Times - Retirement Communities

Smart ways to embrace retirement Metro Creative Services

Metro Creative Services

Retirement is on the horizon for a significant number of people. Around 10,000 people retire each day in the United States, according to a study by Merrill Lynch and Age Wave, a consultancy studying the cultural and economic impacts of aging. But many soon-to-be retirees are not fully prepared for life after their work life ends. Shedding new light on this next chapter can make retirement something to look forward to even more.

A new outlook on retirement can open up a world of opportunities.

How retired are you? Retirement may no longer mean what it once did. Some retirees remove themselves entirely from the active employment market, while others prefer to keep at least one toe in the professional water.

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The Times - Retirement Communities

Smart From page 6 Some retirees change fields and do part-time work. Others may volunteer their time without getting paid. Still, some choose to use retirement as an opportunity to spearhead a new business venture that may not have been possible beforehand. Retirees should reflect on their goals, as well as their finances, and make plans accordingly.

Don’t neglect health care Retiring may involve finding health insurance and preparing for other types of health care later in life. The U.S. Census Bureau says that employment-based insurance covered 55.4% of the population in 2015, the most recent years for figures, followed by Medicaid (19.5%) and Medicare (16%). Residents of other countries may be covered by government standardized health programs. It pays to know the rules of each plan to avoid unnecessary expenses that can eat into retirement dollars. For those Americans who will be relying solely on Medicare, find a counselor who can spell out the intricacies of the plan, or use the free tool on Medicare. gov.

See retirement as a beginning, not an end Quite often soon-to-be retirees focus on the end of a career or the end of a stage in life without putting enough focus on the possibilities ahead. This is a prime time to find a new social network, travel, join a ministry and much more.

Choose your living space Retirement can be an opportunity to shed an old skin and try on a new one — especially as it pertains to housing. There are options to downsize for empty-nesters or even to secure resources to “age in place.” According to United Income, a money management service, retirees should try out particular scenarios and locations prior to jumping in. Rent in a particular neighborhood, or house sit and try things on for size. Airbnb and other types of services can make this trial easy.

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Metro Creative Services

Assisted living is a necessity for thousands of people. Explore the ways to finance this purchase.

Managing the costs of assisted living Metro Creative Services As individuals age, various circumstances have to be reassessed. A current living situation may not be meeting the needs of a senior who may be having difficulty caring properly for himself or herself. Families often consider senior residences to provide welcoming and safe environments for their loved ones during the golden years of their lives. These facilities may range from independent living homes with minimal care offered to nursing homes that provide more intensive care when needed. Somewhere in the middle lies assisted living homes, which blend the independence of personal residences with other amenities, such as housekeeping, medication reminders or meal services. Assisted living can be a viable option when a person can no longer live alone, but such facilities come with a price. According to a Market Survey of Long-Term Care Costs conducted by MetLife, the national average for assisted living base rates was $3,550 per month in 2012. In the 2015 Cost of Care Survey conducted by Genworth Financial, the assisted living, national-median monthly

rate was now $3,600 — and it’s only expected to grow. Affording these homes and apartments can be challenging for those with fixed incomes, but there are some strategies that can help. The payment method that serves you best will depend on your unique circumstances, but there are options available. u LONG-TERM CARE INSURANCE: Long-term care insurance is specialized insurance that is paid into and may cover the cost of assisted living facilities and other medical care, depending on the policy. The American Association for Long-Term Care Insurance says that only roughly 3% of Americans have this type of insurance, but it is something to consider during working years. u PERSONAL SAVINGS: Some people have the means to pay for assisted living with their own savings and retirement nest eggs. However, it’s easy for savings to become depleted when facing a $40,000+ per year bill. u LIFE INSURANCE: A financial advisor may advocate to pay for assisted living with a life insurance policy. Some companies enable you to cash out for “accelerated” or “living” benefits, which

usually is a buy-back of the policy for 50 to 75 % of the face value. Other third parties may purchase the policy for a settlement of a lump sum, again roughly 50 to 75% of the policy’s face value, according to, an online source for support and information about the needs of aging people. u LOCATION: Costs of assisted living facilities vary depending on location. It’s possible to get a lower monthly rate simply by choosing a facility in a different state. u NEGOTIATION: Not all prices are set in stone. Speak with a manager at the facility and see if there is any price flexibility or move-in incentives. You also may be able to get a lower rate by negotiating certain a-la-carte costs against all-inclusive pricing. Perhaps you do not need laundry or shopping services, and family members can fill in the gaps, reducing your bill. u VETERAN’S BENEFITS: Many veterans are eligible for care benefits that can offset the cost of assisted living care. u ROOMS: Opting for a smaller room or sharing a space can keep costs down as well. See if shared rooms are a possibility.

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The Times - Retirement Communities

The facts about osteoporosis Metro Creative Services Osteoporosis is often seen as a problem for the elderly, and the National Osteoporosis Foundation notes that being over 50 is a major risk factor for osteoporosis. But that doesn’t mean people younger than 50 can’t develop the disease. The misconception that osteoporosis exclusively afflicts aging men and women only highlights the need to learn more about the disease. What is osteoporosis? Osteoporosis is a disease of the bones that occurs when the body loses too much bone, makes too little bone, or both. Because people cannot feel their bones weakening, osteoporosis is often called a “silent disease,” notes the NOF. Despite its silence, osteoporosis is a serious threat, increasing a person’s risk for bone breaks from falls.

What happens to bones when a person has osteoporosis? The NOF notes that, under a microscope, healthy bones look like a honeycomb. When a person has osteoporosis, the holes and spaces in the honeycomb are considerably larger than in healthy bones. Osteoporotic bones are not as dense as healthy bones, and as they become less dense, they weaken and are more susceptible to breaks. Is osteoporosis common? Osteoporosis is common across the globe. According to the International Osteoporosis Foundation, one in three women over age 50 and one in five men over age 50 will experience osteoporotic fractures. What are the risk factors for osteoporosis? The NOF categorizes risk factors for osteoporosis as uncontrollable and control-

lable. Uncontrollable risk factors include age, family history, low body weight (being small and thin), and a history of broken bones. Gender also is an uncontrollable risk factor, as women are more likely than men to suffer from osteoporosis. In fact, the NOF notes that a woman’s risk of breaking a hip due to osteoporosis is equal to her risk of breast, ovarian and uterine cancer. Controllable risk factors for osteoporosis include not eating enough fruits and vegetables; consuming too much protein, sodium and caffeine; a sedentary lifestyle; smoking; and excessive consumption of alcohol. Insufficient calcium and vitamin D intake is another controllable risk factor for osteoporosis. Speak with a physician about osteoporosis and the role that diet and exercise can play in prevention.

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Osteoporosis affects people across the globe. Taking steps to reduce your risk for osteoporosis can prevent broken bones and other negative side effects of this disease.

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