Posts Tagged ‘senior’

Baby Boomers Face Health Challenges

Written by admin on July 17th, 2013. Posted in Estate Planning, Final Expense, Long Term Care Insurance, News, Retirement, Senior Living

Americans are living longer than ever before. As a result of greatly improved sanitation, hygiene, nutrition, life-saving drugs and medical care, lifespan has increased significantly for baby boomers.

INCREASED LIFE SPAN IN THE US

At the time of the American Revolution in 1776, the average life expectancy in the United States was a paltry 30 years of age. Back then, you had to make your mark early, because your stay in this world was likely to be brief.

Today, the average American life expectancy is close to 80, and the fastest growing segment of the American population is adults 85 years or older and baby boomers.

Whereas age 65 was once considered old, now it’s just upper middle age.

The population group that will live longer than any other thus far is the baby boomer generation, which accounts for a whopping 76 million adults and represents 42 percent of all Americans over 21. This generation initiated a gerontological explosion in the year 2011, as its earliest members turned 65.

While there may not be an actual fountain of youth, we are continually re-defining old age and pushing the limits of lifespan further and further.

And now the bad news for baby boomers

Increased lifespan may sound like a dream come true. But it may be a nightmare in progress. Unless we assume far greater responsibility for our health, current increases in longevity spell decrepitude and financial disaster for millions of Americans.

If rates of disease and disability continue at their current levels, America will become a nation of sick, senile, disenfranchised, impoverished seniors, with too few resources to care for them and astronomical medical costs that will cripple our economy.

Consider the following: The average baby boomer over the age of 65 suffers multiple chronic conditions, including hypertension, diabetes, arthritis, hearing and vision disorders. This group accounts for one third of all health care spending, one third of prescription drug use and 40 percent of doctor visits.

Over 25 percent of those 85 or older require institutional care. Unless the economic structure of the nation is substantially re-vamped, Medicare will run out of funds by 2029. Suddenly, the idea of living 100 years or more loses some of its luster.

Sobering health figures for baby boomers
The following figures underscore the serious health challenges we face as we age.

Cardiovascular disease
-According to the American Heart Association, approximately 1 million American adults die annually of heart attack.
-An estimated half million Americans suffer strokes annually, thirty percent of which result in death.

Cancer
-According to the American Cancer Society, 1 out of every 3 Americans (more than 86 million Americans alive today, will get cancer.
-1.35 million Americans will be diagnosed with cancer this year.
-538,000 Americans will die of cancer this year.

Arthritis
-Arthritis is the number one cause of disability in the US.
-According to the Arthritis Foundation, 40 million Americans have arthritis.
-According to the Centers for Disease Control, by 2020, 59.4 million Americans will have arthritis.

Diabetes
-According to the American Diabetes Association, 16 million Americans have diabetes.
-800,000 diabetics are insulin – dependent.
-400,000 people die each year from diabetes.
-Each year 625,000 new cases of diabetes are diagnosed.

Obesity
-According to national health statistics, 62 percent of Americans are overweight.  Many are obese, exceeding recommended weights by 25 percent or more.

Alzheimer’s disease
-According to the Alzheimer’s Foundation, 4 million Americans suffer from Alzheimer’s disease.
-14 million Americans are expected to have Alzheimer’s by the year 2050.
-One in 10 persons over 65 develops Alzheimer’s.
-50 percent of those over 85 develop Alzheimer’s.

Faced with the magnitude of such a great aging explosion, we can’t expect our medical system to catch us as we fall.

PROBLEMS WITH HEALTH CARE?

Health care in the U.S. is currently in crisis, and many baby boomers have lost confidence in medicine. Medical services are expensive, and insurance is becoming prohibitively costly.

The great majority of doctors are specialists in disease care, not in prevention and are primarily familiar with drugs and surgery. Thus preventing disease and designing programs to keep baby boomers fit for life are largely enterprises outside of the medical realm.

Health is not a medical condition, and physicians are not the gatekeepers of fitness and wellness. We are our own gatekeepers.

CHANGES IN HEALTH CARE?

Large numbers of people are venturing outside of the conventional medical establishment in a quest to manage and promote their own health, fitness and well being. They are becoming much more active in finding ways to deal with common ailments on their own.

This signifies a profound shift toward self directed health care. In response to this shift, medical educators are beginning to grapple with wellness and prevention as areas of medical specialty. This is critically important, for if physicians are going to play any significant future role in keeping baby boomers healthy, they must be become astute specialists in prevention, fitness and wellness.

Increasing fitness span for baby boomers
The shape of the future is ours to determine. Will we live to be energetic, healthy centenarians, or will we spend the last decades of our lives sick, incapacitated and institutionalized? The issue is one of fitness span.

Lifespan is how long you live. Fitness span is how long you stay fit and healthy.  Getting fit is a necessity, not an option.

BABY BOOMER FITNESS IS THE KEY

Health and fitness begin to decline at around age 40 when age-related degenerative conditions begin to take their toll. Our task is to extend fitness span to match life span, so we stay fit and healthy until we die.

In the quest for health, millions of Americans are turning to alternative and complementary therapies and products, including supplements, herbs, and homeopathic medicines.

News media are now promoting the safety, efficacy and overall wellness benefits of these programs and products, and scientists continue to affirm that these approaches impart real health benefits that treat ailments ranging from indigestion to allergies.

True fitness is a state of wellness, abundant energy and a feeling of being whole and intact. It is a dynamic, vital condition which must be managed daily. Since this is an in-alterable fact of life, you might as well dive into this endeavor wholeheartedly, with a galvanized and enthusiastic determination to stay fit for as long as you live.

 

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance for baby boomers. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

Key Challenges for Fighting Alzheimer’s Disease

Written by admin on July 7th, 2013. Posted in Estate Planning, Irrevocable Funeral Trust, Long Term Care Insurance, News, Pre-Need, Retirement, Senior Living

The Alzheimer’sAssociation in a new report has identified 10 “critical challenges” that need to be addressed by the nation to combat the growth and devastating impact of Alzheimer’s disease.The challenges include lack of funding and problems with diagnosing Alzheimer’s.

An estimated 5.4 million Americans are living with Alzheimer’s now, and that number is expected to grow to 16 million by the year 2050, according to the Alzheimer’s Association.

Because of this looming health crisis, President Obama signed into law the National Alzheimer’s Project Act on Jan. 4, with the aim of creating a national strategic plan to address what the Alzheimer’s Association described as an “escalating crisis.”

The Alzheimer’s Association’s report, “Alzheimer’s from the Frontlines: Challenges a National Alzheimer’s Plan Must Address,” was produced to help the government develop its strategy.

Findings of the report were based on input from 43,000 people in all 50 states, Puerto Rico, and Washington, D.C.

In all, the Alzheimer’s Association hosted 132 public input sessions nationwide, involving people with Alzheimer’s, caregivers, researchers, community leaders, and health care professionals.

“We want to make sure the administration is aware of the challenges that emerged, that we heard frequently, during the public input process,” Alzheimer’s Association spokeswoman Toni Williams tells WebMD. “We thought it would be a good idea to open it up to the public. We are hoping this helps to inform the advisory council and Secretary [Kathleen] Sebelius [of the U.S. Department of Health and Human Services] in formulating a plan.”

Alzheimer 300x199 Key Challenges for Fighting Alzheimers Disease

Top Challenges in Fighting Alzheimer’s

The 10 challenges highlighted by the Alzheimer’s Association are:

  1. Lack of public knowledge and awareness of the disease
  2. Insufficient funding
  3. Problems in detecting and diagnosing the disease
  4. Poor dementia care
  5. Inadequate treatments
  6. Specific challenges faced by diverse communities
  7. Specific challenges faced by those with younger-onset Alzheimer’s
  8. Unprepared caregivers
  9. Ill-equipped communities
  10. Mounting costs of care

The new report shows that costs relating to Alzheimer’s care and treatment will surpass $1 trillion by mid-century unless the current trajectory of the disease changes.

“Individuals, families and communities are at the center of the escalating Alzheimer’s crisis,” Harry Johns, president and CEO of the Alzheimer’s Association, says in a news release.

Call to Action

Americans who participated in the sessions aimed at identifying challenges want the nation’s leaders to know that the disease changes lives, and that “they want and deserve a transformational plan that urgently addresses their needs,” Johns says.

Robert Egge, vice president of the Alzheimer’s Association, says the input sessions made it clear that people are not looking for symbolic acts but the start of “real, transformational action.”

He says, “we hope those developing the National Alzheimer’s Plan will be inspired and guided by the challenges, experiences and needs echoed throughout this report.”

Egge says many Americans know little about the disease, and education is needed about warning signs of the disease and incorrect perceptions about it. Also, though the goal is a cure, better treatments are needed, he says, and more funding for research.

Currently, caregivers are isolated and uninformed about the disease. He says African-Americans and Hispanics are more likely to develop Alzheimer’s, and less likely to be diagnosed.

The new plan, he says, “must address disparities in diverse and underserved communities.”

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

ActivCare® at Bressi Ranch Serves Individuals with Alzheimer’s and Related Dementia

Written by admin on June 10th, 2013. Posted in Estate Planning, Irrevocable Funeral Trust, Long Term Care Insurance, News, Pre-Need, Retirement, Senior Living

memory loss ActivCare® at Bressi Ranch Serves Individuals with Alzheimers and Related Dementia Secure courtyards safe for exploring, themed rooms and corridors to assist with way finding, and a specialized activity program are some of the life-enhancing components found at the ActivCare® at Bressi Ranch residential memory losscare community opening November 8, 2011.”This is the next generation of memory care communities. Every part of this building is purposefully built for individuals experiencing memory loss,” said W. Major Chance, founder and chief executive officer of Health Care Group, which owns ActivCare.  ”ActivCare at Bressi Ranch will do more than just meet the needs of those with memory loss; it will also offer a new life to affected individuals, giving them purpose and enhancing self-esteem, and providing peace of mind for their families.”

Chance adds that more than 20 rooms have already been reserved.  ActivCare at Bressi Ranch offers accommodations for up to 80 individuals.

From mild cognitive impairment (MCI) to late stages of memory loss resulting from Alzheimer’s disease or related dementia, ActivCare at Bressi Ranch’s specialized living community serves the changing needs of those afflicted by offering a continuum of living options.  The community also provides a host of services, including:

  • A thorough initial wellness assessment performed by ActivCare’s Geriatric Nurse Practioner
  • Live-in options for spouses who wish to stay with a loved one with MCI
  • A licensed nurse on site 24 hours a day (a rarity in care facilities)
  • Assistance with bathing, dressing and grooming
  • Medication assistance
  • Three nutritious meals daily
  • Escorting to and from meals and activities
  • Housekeeping and laundry services
  • Registered nurse case management throughout the resident’s stay
  • Special services and activities such as walks to a near-by park, a sports green in the courtyard, and special social events that involve family and friends.

According to Chance, as the baby boomer generation reaches 75 years and older, there will be a tremendous increase in the number of individuals who experience the different stages of memory loss.  Research also suggests nearly one of every two people over the age of 85 have memory loss, and 1 in 8 over the age of 65, showing a significant demand for this kind of facility.

“There is such an exceptional need for memory care and we are excited to bring ActivCare to the Bressi Ranch community and to San Diegans,” said Chance.  ”The opening of ActivCare at Bressi Ranch is not only providing our region with new job opportunities, but our experienced staff, compassionate care, and expertise in the field of memory loss care also offers new hope for the families and individuals affected by memory loss.”

A pioneer in memory care, ActivCare is a proven, trademarked program established in 1988 by the Health Care Group to enhance the lives of those with memory loss.  The 24-hour program provides personalized care for residents in a safe and secure home-like environment and it consists of structured activities designed to maintain the highest possible functioning level for each resident.  To date, ActivCare has served more than 4,000 individuals with memory loss at various senior communities.

In addition to ActivCare at Bressi Ranch, Health Care Group also owns and operates Brittany House in Long Beach, which serves more than 100 residents with memory loss.  ActivCare also provides family members with a number of resources, educational forums and support groups to help them better understand and help loved ones.

For more information about ActivCare at Bressi Ranch, which is currently accepting move-in deposits, visit the Community Information Center at 6255 Nygaard Street in Carlsbad or contact 760/603-9999.

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

Alzheimer’s drugs’ effects clash: Study

Written by admin on May 3rd, 2013. Posted in Long Term Care Insurance, News, Retirement, Senior Living

Alzheimer’s patients who take cholinesterase inhibitors are often given other medications, which oppose their effects, U.S. researchers say.Study leader Denise Boudreau, an associate scientific investigator at Group Health Research Institute in Seattle, said cholinesterase inhibitors — such as donepezil or Aricept, which work by inhibiting the breakdown of acetylcholine — constitute the primary therapy for slowing Alzheimer’s disease.womanPills 1496933c Alzheimers drugs effects clash: Study

“Anticholinergic properties are often found in drugs commonly used to treat gastrointestinal disorders, allergies, urinary incontinence, depression and Parkinson’s disease, and they can have negative effects on cognition and function in the elderly,” Boudreau said in a statement. “If someone is taking both types of drugs — cholinesterase inhibitors and anticholinergic medications — they will antagonize each other, and neither will work.”

The study, published online in the Journal of the American Geriatrics Society, found 37 percent of Alzheimer’s patients who were using cholinesterase inhibitors were also taking at least one anticholinergic drug — and more than 11 percent took two or more.

Study subjects using both medication types were not more likely to enter a nursing home or to die than those taking only cholinesterase inhibitors, the study said.

“It’s reassuring that we did not observe an association between simultaneous use of the two types of drugs and increased risk of death or nursing home placement,” Boudreau said in a statement. “But concomitant use of these drugs is, at the very least, not optimal clinical practice.”

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

Report: Cancer Rates Could Rise 50 Percent by 2020

Written by admin on February 24th, 2013. Posted in Long Term Care Insurance, News, Retirement, Senior Living

Global rates of cancer could rise 50 percent to 15 million new cases a year by 2020, but one-third can be cured and another third prevented by curbing infections and through lifestyle changes, experts said on Thursday. Once considered a largely “Western” disease, cancer now affects and kills more people in the developing world than in industrialized nations. In many countries it accounts for more than a quarter of all deaths.

But according to the World Cancer Report, with existing knowledge it is possible to prevent at least one third of the 10 million cancer cases that occur each year throughout the world. “By 2020 there will be a 50 percent increase in the number of people diagnosed with cancer unless steps are taken now,” said Dr. Bernard Stewart, a co-editor of report. “The overall message is that we can prevent a third of cancers, we can probably cure a third of cancers, and for the remainder we can certainly do something for quality of life if pain management is adequate,” he told a news conference.

TOBACCO, DIET AND INFECTIONS

The report by the International Agency for Research on Cancer (IARC), which is part of the World Health Organization (WHO), calls for action to stem smoking, improve diet and physical activity and to prevent infections, in order to curb the disease that kills six million people worldwide each year. cure cancer Report: Cancer Rates Could Rise 50 Percent by 2020

Tobacco consumption is the most important avoidable cancer risk worldwide. An estimated 100 million people died of tobacco-related diseases in the 20th century, the report said. Smokers have a 20- to 30-times greater risk of lung cancer, and higher-than-average odds of developing bladder, stomach, liver, kidney and oral-cavity cancers, it added. Health experts predict the biggest reduction in cancer deaths in the coming decades will be due to curbing smoking.

But the report says changes in diet — including eating more fruits and vegetables — increasing exercise and preventing infections such as the hepatitis B and C viruses and other infections linked to liver, cervical and stomach cancers, will also make inroads. “We know that there is a growing body of evidence on the effectiveness of those interventions,” said the WHO’s Dr. Rafael Bengoa.

National screening programs to detect tumors early, before they spread to other parts of the body, have produced spectacular results with some types of cancer. Bengoa emphasized the need for better detection and screening in the developing world, because 80 percent of cancer patients have incurable tumors by the time they are diagnosed. Up to 23 percent of cancers in poor nations are caused by infections, compared with about eight percent in wealthier countries, so vaccinations could be a key preventive tool, according to experts.

Vaccination has been shown to prevent stomach cancer in high-incidence countries. And researchers hope to have a vaccine against human papillomavirus, aimed at preventing cervical cancer, in three to five years, the report said. Access to chemotherapy and palliative drugs is another problem in poor countries where treatments only reach the rich who can afford them. Bengoa said he would like to see differential pricing for expensive cancer drugs.

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

Caregiving: Insights for Caregivers

Written by admin on January 26th, 2013. Posted in Estate Planning, Irrevocable Funeral Trust, Long Term Care Insurance, News, Pre-Need, Retirement, Senior Living

Caregiver burnout is a state of physical, emotional, and mental exhaustion that may be accompanied by a change in attitude — from positive and caring to negative and unconcerned. Burnout can occur when caregivers don’t get the help they need, or if they try to do more than they are able — either physically or financially. Caregivers who are “burned out” may experience fatigue, stress, anxiety, and depression. Many caregivers also feel guilty if they spend time on themselves rather than on their ill or elderly loved ones.

What Are the Symptoms of Caregiver Burnout?

The symptoms of caregiver burnout are similar to the symptoms of stress and depression. They include:

  • Withdrawal from friends, family, and other loved ones.
  • Loss of interest in activities previously enjoyed.
  • Feeling blue, irritable, hopeless, and helpless.
  • Changes in appetite, weight, or both.
  • Changes in sleep patterns.
  • Getting sick more often.
  • Feelings of wanting to hurt yourself or the person for whom you are caring.
  • Emotional and physical exhaustion.
  • Irritability.

 

What Causes Caregiver Burnout?

Caregivers often are so busy caring for others that they tend to neglect their own emotional, physical, and spiritual health. The demands on a caregiver’s body, mind, and emotions can easily seem overwhelming, leading to fatigue and hopelessness — and, ultimately, burnout. Other factors that can lead to caregiver burnout include:

  • Role confusion — Many people are confused when thrust into the role of caregiver. It can be difficult for a person to separate her role as caregiver from her role as spouse, lover, child, friend, etc.
  • Unrealistic expectations — Many caregivers expect their involvement to have a positive effect on the health and happiness of the patient. This may be unrealistic for patients suffering from a progressive disease, such as Parkinson’s or Alzheimer’s.
  • Lack of control — Many caregivers become frustrated by a lack of money, resources, and skills to effectively plan, manage, and organize their loved one’s care.
  • Unreasonable demands — Some caregivers place unreasonable burdens upon themselves, in part because they see providing care as their exclusive responsibility.
  • Other factors — Many caregivers cannot recognize when they are suffering burnout and eventually get to the point where they cannot function effectively. They may even become sick themselves.

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

Group seeks ‘national priority’ for Alzheimer’s

Written by admin on November 28th, 2012. Posted in Estate Planning, Irrevocable Funeral Trust, Long Term Care Insurance, News, Pre-Need, Retirement, Senior Living

(USA TODAY) – Tens of thousands of Americans are calling on the government to correct “dramatically underfunded research” for Alzheimer’s disease and to improve diagnostic tools and treatments, according to a report released Monday by the Alzheimer’s Association.

“There really needs to be a transformational change to how we approach the disease,” says Harry Johns, president of the Alzheimer’s Association.

The association hosted 132 public sessions in 42 states and the District of Columbia, plus three national sessions over the summer to gather public opinion for the formation of the National Alzheimer’s Project Act, signed into law by President Obama last January. The first draft of NAPA will be completed by the end of the year, according to Don Moulds, deputy assistant secretary for planning and evaluation for Health and Human Services.

Johns is hopeful new public faces for Alzheimer’s will raise the national focus on the disease and eliminate the stigma associated with it. Both Tennessee women’s basketball coach Pat Summitt and singer Glen Campbell announced this year they have Alzheimer’s and are continuing to work. Campbell is being saluted at Wednesday’s Country Music Association Awards.

“We haven’t really had anyone go public with Alzheimer’s since Ronald Reagan, and when he announced it, we didn’t see much of him anymore,” says Johns. “After Betty Ford told the world she had breast cancer, it made a big difference in how the disease was treated. I think Pat and Glen will help immensely.”

According to the report, the sentiment expressed at the meetings was that an Alzheimer’s diagnosis is even worse than a malignant cancer diagnosis, since an Alzheimer’s patient has no hope of beating the disease.

“By making Alzheimer’s a national priority, the United States has the potential to create the same success that has been demonstrated in the fights against other major diseases. Federal leadership has helped lower the number of deaths from conditions such as HIV/AIDS, cancer and heart disease,” the report’s authors write.

Alzheimer’s is the sixth-leading cause of death in the USA. It is the only cause among the top 10 without a way to prevent, cure or slow its progression of robbing the brain of memory.

In 2011, the government will spend about $502.5 million on research for Alzheimer’s and related dementias. About $450 million of that will come from the National Institutes on Aging budget. NIA’s director, Richard Hodes, says Alzheimer’s “is the disease on which the NIA spends the most.”

Some diseases have separate agencies within NIH. The National Cancer Institute will spend about $6 billion in 2011 on cancer, with additional funding allocated for breast, brain and lung cancers.

Nearly 70% of U.S. respondents said the government should increase spending for Alzheimer’s research, according to a recent Harvard School of Public Health survey.

“I can’t speculate on that (possibility),” says Moulds. “Funding is obviously an important question. It is part of the secretary’s decision making as she works out 2012 and 2013 budgets.”

http://www.wzzm13.com/news/article/185151/9/Group-seeks-national-priority-for-Alzheimers

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

Baby Boomers Still Need Life Insurance

Written by admin on November 2nd, 2012. Posted in Estate Planning, Final Expense, Life Insurance, News, Retirement, Senior Living

As a baby boomer, you may not have considered final expense life insurance policies as an option for life insurance, but you should. According to the U.S. government, 76 million Americans were born between 1946 and 1960. Many of those people are not likely to have significant estates that can afford to pay for the expenses at the time of death. Yet, the investment into this form of life insurance may be an ideal one.

Why you need Burial Whole Life Insurance For Final Expenses.

Retirement is costly for most baby boomers since many do not have pension plans, nor significant retirement accounts to pay for day-to-day expenses. This group of people is working longer because they need to. More so, many are relying on Social Security as an income. Unfortunately, that may not be enough to live the lifestyle they had hoped for.

What will happen to you when you die, or when your spouse dies? How will the remaining spouse pay for the following?

  • Expenses related to those final medical costs, such as hospital stays and emergency procedures to extend life
  • Expenses necessary to purchase cremation services or burial plots
  • Expenses which are necessary to pay for funeral arrangements, even as the average cost of an American funeral rises to above $6000

In addition to this, you may have a mortgage loan that still requires monthly payments or debts that have not received settlement. This could leave the other spouse in a very difficult financial situation. Many of these expenses are avoidable, though, with the investment into a final expense life insurance policy.

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

Early diagnosis of Alzheimer’s vital, health group says

Written by admin on March 1st, 2012. Posted in Estate Planning, Final Expense, Long Term Care Insurance, News, Retirement, Senior Living

A new report released Tuesday from Alzheimer’s Disease International is calling for countries around the world to support early Alzheimer’s diagnosis and intervention.1297834869 31 Early diagnosis of Alzheimers vital, health group says

It estimates three-quarters of the 36-million people worldwide living with dementia have not yet been diagnosed.

The report said failure to diagnose Alzheimer’s often results from the false belief that dementia is just a normal part of aging.

Drugs and psychological interventions for people with early-stage dementia can improve cognition, independence, and quality of life.

What is Alzheimer’s Disease and if you have it can you still find and afford life insurance on your life or the life of a loved one?

Alzheimer’s is when the affected person begins to have mild to severe dementia due to degeneration of the brain resulting in severe loss of cognitive function.

The scary statistics say that two to four percent of the population over age 65 is estimated to have Alzheimer’s. With a particular prevalence in older ages about age 75.

Factors that affect the underwriting decision for a life insurance policy if you have Alzheimer’s:

1.) Current age
2.) Age at onset of symptoms (when did you start noticing the forgetfulness)
3.) Activities of daily living (how many ADL’s can you perform)
4.) Living independently (do you live alone)
5.) Type of assistance if required
6.) Judgment intact
7.) Stable Course

You have to make a case for the underwriter and accentuate the positives in your life and down play the negatives, all the factors above if positive will make a good impression on the life insurance carriers underwriting review.

How to help the carrier in assessing your situation and approving your policy quicker!

  • Requirements that will be needed:
    1.) Dr’s records, with a mobility assessment, a face to face interview may be needed
    2.) Any neuropsychiatric testing such as cognitive or memory testing
    3.) Activity levels
    4.) ADL’s affected (activities of daily living)
    5.) IADL’s affected

Likely underwriting decisions with the life insurance carriers and rate quotes:

  • Coverage is not typically offered for insured’s that have been diagnosed prior to age 75-
  • Best Case: Table 2 rate class to table 4 or 5 if mild symptoms ( independent living) and current age 80-90 older ages may allow better rating depending on the carrier.
  • Typical Case is the table 5 to 6 range if mild symptoms and current age is 73-81-
  • Worst Case is of course a rated life case or declination of the application or postpone.

If you are shopping for coverage for yourself or a loved one with Alzheimer’s it pays to have professionals who specialize in substandard impaired risk life insurance help you with the process like we do here at the Pros.

Please submit a request for a free quote and we can begin the discussion on how we can best help you obtain the most affordable life insurance policy available.

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

Study: Atrial fibrillation associated with higher risk of dementia

Written by admin on February 27th, 2012. Posted in Long Term Care Insurance, News, Retirement, Senior Living

Atrial fibrillation, the most common source of irregular heartbeat, is linked to an increased risk of dementia, researchers from Group Health Research Institute found. In looking only at study participants with atrial fibrillation over a seven-year period, they said individuals had a 40% to 50% higher risk of developing some form of dementia, including Alzheimer’s, compared to those without atrial fibrillation. fight alzheimers dementia t shirt p235001099744375967yhfn 400 300x300 Study: Atrial fibrillation associated with higher risk of dementia

Prior to conducting their study, investigators acknowledged that atrial fibrillation could cause strokes and subsequently dementia, and that the risk for both increases with age. But their study showed that atrial fibrillation can increase dementia risk in other ways.  Group health followed 3,045 people with a mean age of 74, from 1994 to 2008.

At the beginning of the study, 4.3% of participants had atrial fibrillation, while 12.2% developed it during the research period. Researchers said that 18.8% developed some type of dementia.

“This paper is a wakeup call, telling us that we need to learn more about how to protect brain function, while continuing to give patients with atrial fibrillation the best possible care,” wrote assistant investigator Sascha Dublin, M.D., Ph.D.

In findings published in the Journal of the American Geriatrics Society, researchers wrote that atrial fibrillation might increase dementia risk by weakening the heart’s pumping ability, thus decreasing blood flow to the brain; by increasing the risk of blood clots that cause small, undetectable strokes; or by causing inflammation in the brain.

The Final Expense Shop is an independent brokerage specializing in pre-need and burial insurance. This is an awesome product providing peace of mind to clients knowing that they are able to pre-plan their own funerals. Anyone reading this that doesn’t have a Final Expense policy for themselves should contact us immediately at 1-888-583-5070.

Get Started TODAY!

Call today to: 1-888-583-5070 to get a personalized quote for your Final Expense Insurance. At The Final Expense Shop, we are brokers. We represent all of the major insurance companies that offer Final Expense Insurance we are always able to find the best possible coverage at the lowest possible price.

Burial Fact #1

Burial life insurance premiums are fixed by law. and the price is the same no matter where you purchase your coverage.

Burial Fact #2

According to the Federal Trade Commission, the average funeral costs in the United States can be well over $10,000 by the time you add floral arrangements, prayer cards and family transportation.

Burial Fact #3

If you are currently collecting Social Security benefits you are entitled to a burial allowance. Currently, the amount is $255.

Burial Fact #4

Final expense life insurance in some cases can be issued regardless of pre-existing health issues and requires no medical exam.