All posts by clearsem

Healthy Aging Month: How To Make The Most Of It

September is nationally recognized as Healthy Aging Month, which is an annual observation designed to focus on all of the positive aspects of growing older. The goal of the month is provide ideas and inspiration for older adults, age 50 and over to improve their overall health by contributing to their physical, mental, social and financial well being.

Take a moment to look back and reflect on all you have done, all of your exciting memories and adventures, and then think about what you would still like to accomplish, then write it down. Don't hold anything back! It could be something big like wanting to travel to that exotic country, or moving to the mountains to enjoy the fresh air every day. But it could also be something more simple, like maybe hiking a trail with your friends, or having a picnic somewhere special. After you have created your list, pick an item or two and use the month of September to plan and/or accomplish them! Then keep the momentum going and work toward one of your goals every month.

Doing something you have always wanted to do is one great way to improve your overall health and can contribute to your mental, physical and social health. We have also compiled some ideas that can serve as inspiration to improve different aspects of your health and help you age healthily.

1. Add brain foods

Certain foods are scientifically proven to be beneficial for your brain. Adding these foods to your diet could help lower the risk for Alzheimer's and dementia, as well as improving your day-to-day cognitive function and the overall health of your whole body!

2. Go on a walk every day 

Walking is good for the body and the soul. You can simultaneously get gentle exercise, which improves strength and stability and keeps joints healthy, while you enjoy the fresh air, nice scenery and calming effects of being outside. It doesn't have to be a long walk - just take a stroll around the neighborhood at sunset, or find a nearby park. And it's even more fun with a dog or friend for some added social interaction!

3. Don't act your age

What does a 60-year-old even act like? Well, it's up to you! Act how you want to feel - move with confidence, be active, get excited! Choose something you enjoyed when you were younger, and go do it! The more vibrant you act, the more vibrant you will feel.

4. Protect against financial scams

Financial fraud is the fastest growing form of elder abuse. You can protect yourself or your loved ones from financial elder abuse by becoming familiar with the most common scams and learning what to do if you suspect foul play. Keep your guard up so you don't get targeted!

5. Do good deeds

Helping others is one of the best and most rewarding ways to improve your health and happiness. Doing a good deed, or paying it forward can be as simple as smiling at someone, holding the door, or saying hello, and the great thing about these small deeds is that you have so many opportunities to do them throughout the day! You can also volunteer at a local charity, or donate money to a cause that is meaningful to you.

6. Get a physical

Staying on top of your health is an important part of aging healthily. Making an annual routine trip to the doctor can help you manage any ailments you might have, or detect any new conditions before they become a real problem. Use this month to set up your annual physical, and any other outstanding doctor (or dental) appointments.

7. Join a club

The good news is there is a club for pretty much everything. So pick a hobby, interest, or activity that you enjoy, and join a club! It could be a garden club, dinner club, golf club, book club, theatre club, you name it. These groups can help you meet new and interesting people while you participate in something that you enjoy. Go to, or host your first meeting this month!

8. Pick up a new hobby

You can never have to many hobbies, they are fun, engaging, and keep your mental and physical health strong. Think about something you have always had interest in, and give it a try. Learn how to play an instrument, take a cooking course, learn a new language. If you don't have a particular hobby you have always been curious to try, take a quiz or ask around your community and see what others are doing - there might be some you had never even thought about!

9. Reach out to friends

Making a point to reach out to loved ones or friends that you haven't spoken to in a while can be rewarding and fun. It's always nice to hear from people you care about, and you can make the process fun. Call, email or even write a letter. Writing letters is a great way to keep up your cognitive function and it's a fun, lost art. Also ask the person to get together for a cup of coffee or lunch, catching up in person will usually get the stories and laughs flowing!

10. Plan a trip

A vacation is a time that people look forward to, a time to relax, have fun, and improve your mental well being. So take this month to plan a trip. It could be somewhere in your city or state, or maybe you want to travel a little farther. No matter the destination, take your time to plan a special trip that you can thoroughly enjoy and make great memories. If you don't feel like traveling, plan a "staycation" and pamper yourself at home!

All of these ideas are meant to be an inspiration for living a healthy life so you can enjoy the positive aspects of growing older. Pick one to try, or try them all, and remember that focusing on healthy aging should be year round!

However, as you age, sometimes a little bit of help is necessary to live a healthy life. If you or someone you know is in need of home care, American In-Home Care provides quality screened and qualified care providers that can help you age in the comfort and independence of your own home. Call us anytime at 1-844-505-0004 to discuss what care options are right for you and your family.

 

Understanding Dementia: A Helpful Resource

Memory loss is scary. The thought of not being able to remember important information, life events, and loved ones can naturally cause anxiety and worry. Unfortunately, the time usually comes when we start asking ourselves if we, or someone we know, is experiencing symptoms of memory loss or dementia. In this situation, truly understanding dementia is important, and the best course of action is to arm yourself with knowledge and get as much practical advice as possible.

One of the best resources we have come across is the FreeDem Films. These short animated films answer important questions about dementia, such as "Am I Getting Dementia?" and "What's the Difference Between Alzheimer's and Dementia?" Not only do they answer important questions, they are also clear and easy to follow, making these videos a valuable resource for understanding dementia.

If you or your loved one are suffering from dementia or Alzheimer’s and need professional care, American In-Home Care can help. We always refers qualified, credentialed and screened care providers that can assist you in the comfort and safety of your own home, and can even refer nurses that specialize in Alzheimer’s and dementia care. Contact us today at 1-844-505-0004 to schedule a free, no-obligation consultation to discuss what care options are right for you and your family.

American In-Home Care, LLC completes acquisition of Advocate In-Home Care

Company is now one of the largest independent personal care service providers in the State of Florida

September 9, 2015 – American In-Home Care, LLC (“AIHC”) has completed the acquisition of Advocate In-Home Care (“Advocate”), of Lauderhill, FL. This represents the fourth acquisition by AIHC since its inception in September 2013.  With the addition of Advocate, American In-Home Care, a Silverhawk Capital Partners (“Silverhawk”) portfolio company, is now one of the largest independent in-home care providers in Florida serving over 90% of those 65 and older in the state.

Advocate’s service areas are both complimentary and expansionary for AIHC, with the Fort Lauderdale, Miami, Lake Worth, and Naples offices adding to its market coverage in South and Southwest Florida. The Vero Beach, Tampa, and St. Petersburg offices serve new markets for the company. Like AIHC, Advocate provides caregiver referral and administrative support services for clients that prefer to continue living in the comfort and safety of their own home. The company helps clients accomplish this goal by referring comprehensively screened, credentialed, and insured independent caregivers who provide companion, homemaker and personal care services.

“As we continue to execute against our strategy of creating a major presence in the independent living and personal care services industry, we were looking for a company that served the right markets, with the right philosophies, and the right people. Advocate more than met that criteria”, said Doug Hollman CEO and President of AIHC. “We arepleased to now be able to take our service model into new marketslike Tampa Bay, and expand our coverage along the Treasure Coast to better serve clients, referral sources, and independent caregivers who value our approach that is represented by choice, affordability, and personalized service”,

American In-Home Care, LLC

AIHC is a Silverhawk Capital Partners portfolio company.  AIHC was formed in September 2013 to address the independent living and personal care services industry, which is growing rapidly as a result of an increase in the aging population and their desire to age in place. The company provides referral services to older adults and others needing assistance with the activities of daily living, through its registry of licensed, screened, and empathetic caregivers. AIHC helps its clients reach their goal of remaining in their homes while allowing them personal control, selection and authority over this decision. AIHC and its clients recognize the benefits of this consumer directed approach. The company’s internal processes ensure that its registered caregivers are credentialed, verified and rigorously screened.  This process includes a national background check, a review of current licensing requirements, and inspection of their liability insurance, to provide the company’s clients with control, choice and peace of mind when choosing their independent caregiver.

Learn more about American In-Home Care, LLC at www.advocateinhomecare.com

Reach American In-home Care, LLC at 844-505-0002

About Silverhawk Capital Partners

Silverhawk Captial Partners is an independent investment firm established in 2005 to invest in lower middle market transactions within the Growth Industrial, Energy/Natural Resources and Business Service sectors. Silverhawk typically invests between $10 million and $50 million of equity capital in growth oriented businesses with revenues ranging from $25 million to $250 million.  Silverhawk has offices in Greenwich, CT, Charlotte, NC and Overland Park, KS.

Learn more about Silverhawk at www.silverhawkcapitalpartners.com

Reach Silverhawk at info@silverhawkcp.com or call (203) 861-2905.

Paying For Elder Care With Reverse Mortgages

As our loved ones start to get older, we want to do all we can to help them age comfortably. Often times this means caring for them in the safety and comfortable environment of their own home. However,  if and when there comes a time that you need a professional hourly or live-in caregiver to take care of your loved one, the issue of cost can certainly be a concern, especially as we realize that our loved ones might need more care than they have allotted for in personal savings.

So what can you do? Accessing home equity to pay for in-home care through a Home Equity Conversion Mortgage (HECM) loan, commonly known as a reverse mortgage, is one possibility. Below is a simple guide to understanding how these loans work and how paying for elder care with reverse mortgages is possible.

What are reverse mortgages?

Reverse mortgage loans are a popular way for seniors who own homes to turn part of their home equity into cash. The money from this type of loan can be used to pay for anything, including in-home care services

Will my loved one get enough money to pay for care?

This questions is dependent on many factors. When trying to determine how much the loan would be worth, you should consider the amount of equity that the borrower (home owner) has in the home, the age of the borrower, current interest rates, the home's appraised value, and the borrower's mortgage balance.

What type of reverse mortgage is best for my aging parents?

The federally-insured Home Equity Conversion Mortgage (HECM) is a popular reverse mortgage because it is protected by the Federal Housing Administration (FHA). This means that the borrower is protected from ever owing more than the value of the house when sold. Also, with this type of loan, the home is the only asset that can be used to repay the loan.

How are the proceeds from the reverse mortgage paid?

Reverse mortgages are flexible in their payment options. Borrowers can get the funds through a lump sum, monthly installments, a line of credit, or a combination of the three.

Can my loved one stay in their home if they get a reverse mortgage?

If your loved one gets a reverse mortgage on their home, they will be able to stay as long as they comply with loan obligations.  These obligations include the borrower living in the home as their primary residence, and not leaving the home for more than 12 consecutive months.  They are also responsible for paying property taxes, homeowner’s insurance and home maintenance.

What happens to the family home?
If your loved one leaves the home for any reason, any part of the loan that hasn’t yet been disbursed remains as equity in the home. The reverse mortgage becomes due and the heirs are given a reasonable time to sell the home. If the home is sold, the loan balance is paid off from the sale of the home, and any remaining balance will go to the estate.

To determine if a reverse mortgage is right for your and your loved one, take the time to research reputable reverse mortgage lenders who are members of the National Reverse Mortgage Lenders Association. Next, speak with a reverse mortgage professional who will take the time to understand your loved one’s specific situation, calculate estimated proceeds you could receive from a reverse mortgage loan, and provide information on loan risks and benefits.

Once you have determined if a reverse mortgage is right for you and your family, you can look into care options for your loved one. American In-Home Care refers qualified and credentialed hourly and live-in care providers that perform a wide variety of services to help your loved one age in place. Call us today at 1.844.505.0004 to schedule your free, no-obligation consultation to discuss the best options for your loved one.

 

 

 

Recognizing The Physical Signs Of Alzheimer's Disease

Alzheimer's Disease is the 6th leading cause of death in the United States. With statistics like this, it is important to recognize the signs and symptoms so that you can get the proper help and treatment for a loved one that is suffering. Because of the unfortunate commonness of the disease, most people recognize the usual cognitive symptoms - memory loss, inability to remember names or places, difficulty speaking, and mood swings - however, the physical signs are not as well known, but recognizing them is equally, if not more important to catching Alzheimer's in its early stages.

The physical signs of Alzheimer's Disease are important to recognize because often the cognitive symptoms are much more discreet and hard to determine, especially if your loved one is naturally forgetful, or if you aren't able to spend time with them regularly. By becoming familiar with the physical signs, it is easier to recognize Alzheimer's, even in its early stages, allowing you to get your loved one the help they need as soon as possible.

1. Repeating Actions

Keep an eye out to see if your loved one is repeating unusual actions. You might be able to carry on a coherent conversation with them, but repeating actions such as opening and closing the refrigerator repeatedly, aimlessly walking back and forth between rooms, or continually looking for an item that they have already found might alert you that they are suffering from Alzheimer's.

2. Wearing The Same Outfit

If you notice that your loved one has been wearing the same outfit the past several times that you have seen them, this could be symptomatic of Alzheimer's. Another sign associated with the disease is lack of personal hygiene - including doing laundry - either from forgetfulness or apathy. So if you notice that they haven't changed their clothes or dressed for the occasion, especially when that is uncharacteristic, this is an alerting factor.

3. Unexplained Bruising

This is an especially important physical sign to be aware of, especially if you aren't with your loved one every day. If when you see them and they have fresh bruises and cuts, and can't remember where or how they got them, this could be symptomatic of Alzheimer's. Common cognitive symptoms of Alzheimer's are sundowning and wandering, both of which are very dangerous. These habits could be where the bruises and cuts are coming from, and it is important to get under control so that your loved one doesn't get hurt or taken advantage of.

4. Loss Of Fine Motor Skills

Fine motor skills are what is required to hold on to small objects and make precise movements, and are affected by adverse brain activity, such as a stroke.  This is particularly noticeable at dinnertime when your loved one is trying to grip the utensils. If they are having a very difficult time grasping or holding on to these, that could be a sign that something isn't right.

5. Stressed or Pained Physical or Facial Expressions

Take a moment to notice your loved one's expressions when you are with them. Facial expressions such as frowning, looking frightened, grimacing, keepeing eyes tightly closed, or rapidly blinking could all be signs of Alzheimer's and physical and emotional pain that are associated with it. Physical expressions such as rigid body posture, fidegting, rocking, or changes in walking patterns are also signs of this.

Because Alzheimer's disease is easiest to manage when it is detected early, it is important to recognize these symptoms and to be able to get your loved one help as soon as you might expect something isn't right. Do not hesitate to call your doctor, as they will be able to help you get all the resources that you need.

If your loved one is diagnosed with Alzheimer's or dementia, hiring a respite, hourly, or live-in care provider to help your loved one be comfortable and safe in their home is a great idea, as taking on sole caregiving duties can be taxing on personal lives and relationships. American In-Home Care refers qualified nurses, Home Health Aides, Certified Nursing Assistants, and companions that can help you and your loved one by specializing in Alzheimer's care and other services. Contact us today at 1-844-505-0004 for a no-obligation consultation to determine what care options are best for your family.

Recognizing Signs Of Depression In The Elderly

One in five Americans aged 65 and older are affected by depression. That means over 20 percent of the aging population is affected, making recognizing signs of depression in the elderly increasingly important.

Although the rate of depression in the elderly population is relatively high, that does not mean that it is a normal part of aging. Depression can affect anyone, at any age, but there are several risk factors that put older adults at higher risk.

Risk Factors For Depression In Older Adults

  1. Difficult life events and changes in personal circumstances
  2. Losing loved ones and friends
  3. Loneliness and isolation
  4. Lack of social support
  5. Pain and physical illness
  6. Being a victim of crime or abuse
  7. Financial crisis
  8. Family history or past episodes of depression
  9. Moving accommodations
  10. Alcohol abuse
  11. Over medicating

Recognizing the risk factors for older adults allows you to realize when a loved one might be at risk for depression, and to be able to prevent possible negative repercussions. As the risk factors vary with different age groups, it is important to be familiar with the factors for older adults specifically. Elderly people also display symptoms of depression differently than younger adults, so it is also important to recognize age-specific symptoms of depression.

Symptoms Of Depression In Older Adults

  1. Psychotic Symptoms
    1. Delusions
    2. Auditory hallucinations
    3. Catatonic features
  2. Cognitive Symptoms
    1. Disorientation
    2. Memory loss
    3. Poor concentration
    4. Easily distracted
    5. Apathy
  3. Behavioral Symptoms
    1. Feeling melancholy
    2. Anorexia or excessive eating
    3. Insomnia or disrupted sleep patterns
    4. Loss of interest in hobbies and activities
    5. Thoughts of suicide
    6. Anergia
    7. Inappropriate feelings of guilt
    8. Pyschomotor retardation
    9. Note: sometimes medications can cause some of these same symptoms

Depression is a serious illness, and whether it affects people young or old, the condition's many symptoms make it very difficult for the individual to overcome it, or find a way out on their own. While depression affects around 6 million Americans aged 65 and over, only about 10 percent actually receive treatment. Perhaps this is because risk factors and symptoms are different in older adults and make recognizing the disease more difficult. Another factor could be the fact that seniors were raised in a generation when the disease was a stigma, and are afraid or embarrassed to ask for help.

Given the fact that depression can increase the risk for other serious diseases in older adults, it is important to make every effort to recognize and help get treatment for a loved one suffering. If you are caring for a depressed elderly person, you can make a difference by supporting them emotionally and making a point to be involved in their lives. Although you might not have the answer to fix their situations, sometimes just listening and giving support, companionship and love is enough to make a difference.

However, if you feel any concern, don't hesitate to contact a medical doctor for help and support. Also, if you are concerned about your loved one feeling isolated or lonely, and you don't have the chance to be around as much as you would like, you could consider a professional care provider. American In-Home Care, providers of senior home care Jacksonville, Orlando, Tampa, and throughout Florida, refers care providers that can perform many useful duties, and provide companionship and excitement for your loved one, so you don't have to worry. Call toll-free at 1-844-505-0004 to schedule a free consultation to discuss all of your options and find a care provider that is right for you and your loved one.

 

Caregiver Depression: The Intangible Cost Of Dementia Care:

Does your mother have enough food? Does she have clean laundry? Is she eating nutritious meals? Has she been wandering? Is she safe? Does she have her medications? Are her finances in order? Who will set up her doctors appointments? Who will drive her?

Up to 50 percent of caregivers providing Alzheimer's and dementia care suffer from some sort of caregiver depression - developing major depressive illnesses and stress related to added duties and worry, according to a doctor with the Memory and Aging Center at the University of California, San Francisco. The caregiver becomes so overburdened with responsibilities, duties and worries that they aren't sure what to do next. This feeling of being overwhelmed and not knowing what to do, especially when it concerns a loved one, can lead to anxiety and eventually clinical depression.

With 80 million baby boomers getting older and needing more medical care, and estimates stating that there will be 7 million Americans with Alzheimer's disease by 2025, the concern becomes about the costs of care - financial costs, as well as the intangible mental and emotional costs on the caregiver.

Signs of Caregiver Depression

Providing dementia care and Alzheimer's care for a loved one can lead to feelings of stress, guilt, anger, sadness and isolation. Depression can affect caregivers in different ways and at different times, so it is important to recognize the signs and symptoms. It is common for depression to set in immediately after the loved one has been diagnosed with the disease, and also as the disease progresses and you start to see your loved one fade. Signs of depression include:

  • Difficulty concentrating, remembering details, and making decisions
  • Fatigue and decreased energy
  • Feelings of guilt, worthlessness, and/or helplessness
  • Insomnia, early-morning wakefulness, or excessive sleeping
  • Irritability, restlessness
  • Loss of interest in activities or hobbies once pleasurable
  • Overeating or appetite loss
  • Persistent aches, headaches, cramps, or digestive problems that do not cease with treatment
  • Thoughts of suicide, or suicide attempts

If you are concerned that you might be depressed, see your doctor as soon as possible. If depression is left untreated, not only can it lead to emotional and physical problems, it can also affect the quality of care you're able to provide the person with Alzheimer's or dementia.

What is the solution?

Even though providing Alzheimer's and dementia care can be difficult, caring for loved ones can truly be very rewarding if managed correctly. It is important while providing care that the caregiver takes time to his or herself  to participate in enjoyable activities  and hobbies. Another way to help cope with the added responsibilities and stress is to try keeping a journal to express both positive and negative emotions. It is also important to talk to your friends and family and let them know when you might need some assistance.

There is also major research being conducted that aims to reduce both the tangible and intangible costs of dementia care. The University of California, San Francisco, along with the University of Nebraska Medical Center, is beginning a $10 million study funded by the federal Centers for Medicare & Medicaid Innovation. Researchers plan to develop a dementia "ecosystem," which aims to reduce the cost of caring for the growing number of dementia patients and to ease the strain on caregivers.

A handful of tech start-ups have also been working to create technological solutions to ease the burden on caregivers. In San Francisco, Lively markets a system of networked sensors and a watch that can pick up on activity around the house and let family members or caregivers know if there is a worrisome change.

With increasing technology targeted to help ease the burden of Alzheimer's and dementia care, caregiver responsibilities and worries will be lessened, and depression will likely decrease as a result. However, in the meantime it is important to find outlets for emotions related to providing care, and to seek professional help when necessary. Respite care is an affordable, reliable option that can provide the additional support to keep you from feeling isolated and overwhelmed. American In-Home Care offers respite care along with other live-in elderly care solutions. Contact us today to set up a free consultation and discuss what care options are right for you.

Safety Tips For Traveling With Alzheimer's Disease

When a loved one is diagnosed with Alzheimer's, it often feels like that is the end of life as you know it. But being a caregiver for someone with Alzheimer's  doesn't mean that you have to give up traveling, nor does it mean your loved one can no longer enjoy getting out of the house. Traveling with Alzheimer's disease is still possible in the early stages of the disease, it just requires advanced planning to ensure everyone involved is safe and happy.

Safety is always the number one consideration when planning a trip with a loved one who has Alzheimer's. Follow the steps below to help plan an Alzheimer's-safe vacation so that you can both relax and enjoy the trip.

1. Have a plan in place for wandering.

A familiar routine and environment are comforting to someone suffering from Alzheimer's, and because traveling disrupts this, it is more likely that anxiety and wandering could happen. That is why it is crucial to never leave your loved one alone, be prepared, and have a plan in place.

Contact your local Alzheimer's Association before your trip and register with their Safe Return Program or  Comfort Zone monitoring system, being sure to complete the process entirely before you leave. If a situation arises while you are there, have a plan in place and don't hesitate to contact the local authorities.

3. Keep comfort in mind when traveling.

Have comfort items such as pillows, snacks and water readily available when you travel. This includes any kind of transportation including bus, train, car or airplane. If you decide to fly, schedule flights early in the day, and choose to fly non-stop if you can. Put medications in your carry-on bag, along with any other necessities you might need in case your flight is delayed. And  consider bringing a puzzle book or something similar for your loved one to hold on to.

3. During your trip, maintain a daily routine as much as possible.

Even in a new environment, having a regular routine will lessen the confusion for your loved one. Plan on waking up at the same time every morning and going to bed at the same time in the evenings. Also eat meals at the same time during the day. Create a plan for your days, organizing the days with structured and pleasant activities that you both can enjoy. Plan to see places and incorporate activities you know they enjoy, and make sure to allow for flexibility within your daily routine for spontaneous activities.

4. Consider respite care while you travel.

If you feel that traveling with your loved one would be too difficult or too disruptive to them, consider hiring a temporary respite care provider to come to their home. This will allow you the chance to take a break from your caregiving responsibilities, which can be crucial for your own health and happiness, and it will give your loved one a chance to  experience quality care and meaningful activities, making their "staycation" fun and safe as well.

American In-Home Care refers care providers that can assist with Respite Care and additional Alzheimer's Care services, ensuring your loved one will be in the best hands, and will always be safe and happy. We offer free, no obligation consultations and assessments. Contact us today!

 

 

 

 

 

Financing Senior Care: Understanding Your Options

With the average lifespan increasing and costs of living rising, more and more aging adults that need care are finding their savings accounts depleted. The cost of care then falls back onto the family, who have financial burdens of their own, and often get overwhelmed by expensive care options.

According to the Genworth 2014 Cost of Care Survey, the average annual cost of a one bedroom apartment in an assisted living community is $42,000 per year, and a private room in a nursing home averages more than $87,600 per year. Independent home care is generally less expensive, so many seniors and their families opt for this option because of the potential for savings and the benefits of aging at home. However, quality in-home care providers with screened and trained professionals are still relatively expensive, and thus financing senior care requires understanding options through research and careful planning.

Long-Term Care Insurance

Long-term care insurance (LTCI) helps pay for costs that private medical insurance does not cover, and  minimizes the financial impact of long-term health care needs. In general, long-term care insurance covers the cost of home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's care facilities. However, most companies will not insure people with preexisting conditions, so it is best to buy LTCI before health issues arise.

Learn more about long-term care insurance

Life Insurance Policy Conversions: Long Term Care Benefit Plan

Rather than allowing a life insurance policy to lapse, the owner can convert their policy into a Long Term Care Benefit Plan. It is a unique financial option for seniors because it pays for immediate care needs, all health conditions are accepted, and there are no premium payments. There are also no wait periods, care limitations, costs or obligations to apply, and no requirement to be terminally ill. Policy owners have the right to convert an in-force life insurance policy to enroll in this benefit plan, and are able to immediately direct tax-exempt payments to cover specific costs like senior housing and long term care.

Government Funded Long Term Care

Contrary to popular belief, Medicare is not universal health care for people over 65, and it does not cover long-term care costs for seniors. However, Medicare, Medicaid and the US Department of Veteran Affairs do offer assistance programs that can help pay for eldercare in certain circumstances. You can also follow some tips to make sure you are making the most of your Social Security benefits.

Reverse Mortgages

A reverse mortgage - also known as a Home Equity Conversion Mortgage (HECM) - is a kind of loan for homeowners over the age of 62 that turns home equity into cash. When a reverse mortgage is secured, the money from the home equity can be used while still living in and retaining ownership of their home. There are no restrictions on how the money from a reverse mortgage can be used. The relatively high closing costs can be a disadvantage, but it could be useful if there is concern about not being able to make the payments on a normal loan, or the money is needed for any purpose.

By planning ahead, financing senior care doesn't have to be such a burden on you and your family. Your financing options can be a part of your long term retirement plan, and can help you and your family feel prepared and secure. American In-Home Care offers affordable, compassionate, and qualified in-home care services. Contact us today at 1-844-505-0004 to schedule your free in-home consultation to assess your care needs and determine the care options that are right for you and your family.

The Cause of Heart Disease: Uncovering the Truth

The cause of heart disease is high cholesterol. It is a medical and scientific fact. Or is it?

There is evidence that not only is this not the cause of heart disease, it is a misconception that is actually causing health problems and obesity in America. Renowned heart surgeon Dr. Dwight Lundell, former Chief of Staff and Chief of Surgery at Banner Heart Hospital in Mesa, Arizona is one of the people who has evidence to support this claim.

Lundell told Disclose.tv that the real cause of heart disease is inflammation in the arteries, and that before this discovery, the accepted methods for preventing or treat heart disease were prescribing medications to lower cholesterol, and following a diet to reduce the intake of fats.

However, these low-fat diets that have been long accepted as a beneficial "heart healthy diet," have actually been the cause behind the epidemics of diabetes and obesity in the United States.

"Despite the fact that 25% of the population takes expensive medications, and despite the fact we have reduced the fat content of our diets, more Americans will die this year of heart disease than ever before," said Lundell.

The Real Cause Of Heart Disease

So if elevetaed blood cholesterol isn't the culprit, then what is? The answer is inflammation. Inflammation of the artery wall causes cholesterol to get trapped in the arteries where it causes damage. Without inflammation, cholesterol could flow freely through the blood without getting trapped.

Inflammation is your body's natural response to foreign invaders such as a virus, bacteria, or toxin. Inflammation is a healthy and important cycle in our bodies, however, when we continually expose our body to the thing that is causing the inflammation, it doesn't have time to heal, and thus chronic inflammation is born. Constantly consuming food that humans were never designed to process regularly exposes us to chronic inflammation in our bodies and our arteries.

Why would someone repeatedly consume food that is causing this damage? Lundell told Disclose.tv that it is because they had been following the mainstream "low-fat - high carb" diet that was prescribed to prevent heart disease, not knowing that they were actually causing injury to their bodies.

"The injury and inflammation in our blood vessels is caused by the low fat diet recommended for years by mainstream medicine," said Lundell.

What Causes Inflammation

The biggest cause of inflammation is the overload of simple, highly processed carbohydrates - sugars, flours and all of the products made from them - and the excessive consumption of omega-6 vegetable oils such as soybean, corn and sunflower oils that are found in almost all processed foods.

Because these foods have a very long shelf-life, they have become staples of the American diet for the past several decades, and according to Lundell, have been poisoning Americans ever since. Although those sweets, breads, and fried foods taste delicious when we consume them, they are wreaking havoc on our bodies.

"A diseased artery looks as if someone took a brush and scrubbed repeatedly against its wall. Several times a day, every day, the foods we eat create small injuries compounding into more injuries, causing the body to respond continuously and appropriately with inflammation," said Lundell.

How Do Carbohydrates Cause Inflammation?

How does a little piece of cake cause so much damage? When we consume simple carbohydrates like sugar, our blood sugar rises rapidly. In response to this, our pancreas produces a substance that exists to bring the sugar into our cells, where it is then stored as fat. However, if the cell is full and doesn't need any more sugar, it will reject it. This increases blood sugar even more, creating more excess in the body.

The excess sugar attaches to proteins in the blood vessels and causes repeated injury, and this eventually causes chronic inflammation. And when you consider that that piece of cake or that bag of chips not only contains simple carbohydrates, but is also likely coated in or contains several vegetable oils, the inflammatory property increase exponentially.

"When you spike your blood sugar level several times a day, every day, it is exactly like taking sandpaper to the inside of your delicate blood vessels. While you may not be able to see it, rest assured it is there. I saw it in over 5,000 surgical patients spanning 25 years who all shared one common denominator — inflammation in their arteries," said Lundell.

So What Is The Real Heart Healthy Diet?

Omega-6 oils are not dangerous in-and-of themselves, it is only when they are eaten in excess and the balance between omega-6 oils and omega-3 oils shifts drastically. Lundell told Disclose.tv that the mainstream American diet of processed foods has produced a huge imbalance of these two fats in favor of omega-6.

"There is no escaping the fact that the more we consume prepared and processed foods, the more we trip the inflammation switch little by little each day. The human body cannot process, nor was it designed to consume, foods packed with sugars and soaked in omega-6 oils," said Lundell.

So what can we do to reduce inflammation and truly lower our risk of heart disease?

The one simple answer is to return to eating foods that are closer to their natural state, pure and unprocessed. Eat more protein, choose carbohydrates that are very complex such as colorful fruits and vegetables. Cut down on or eliminate inflammation-causing omega-6 fats like corn and soybean oil, and the processed foods that are made from them.

Instead of choosing corn or soybean oil, use natural olive oil or coconut oil, or even ghee or butter from grass-fed beef. And add fats back in to your diet! With all the facts surrounding inflammation, it is no longer a legitimate concern to be worried about consuming fats. In fact, quite the opposite. Consuming a proportional amount of saturated fats, especially animal fats is actually good for your body and your heart. Healthy fats can be found in animal products, coconut flesh, milk, and oil, avocados and nuts.

"By eliminating inflammatory foods and adding essential nutrients from fresh unprocessed food, you will reverse years of damage in your arteries and throughout your body," said Lundell.

Bringing a qualified care provider into your home can help you or your aging loved one maintain a healthy and balanced diet by preparing meals and monitoring their eating habits. American In-Home Care always refers qualified, screened, care providers that are compassionate and ready to help. Contact us at 1-844-505-0004 to schedule your free in-home consultation to discuss which care options are right for you and your family.

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Source: Dr. Dwight Lundell, M.D. "World Renowned Heart Surgeon Speaks Out On What Really Causes Heart Disease." Disclove.tv. Jan. 21 2015. <https://m.disclose.tv/news/World_Renowned_Heart_Surgeon_Speaks_Out_On_What_Really_Causes_Heart_Disease/113103>