If you or a parent are empty nesters looking for the next adventure in life, it can be exciting to research the best places for retired people to live and consider making such a move. Unless you&rsquore REALLY adventurous and plan to pick up and move to the first place your finger touches on a map while blindfolded, you’ll want to put some thought into destinations before boxing up your belongings and starting this new adventure. In this month's blog, we look at some of the communities identified by SeniorLiving.org, AARP and other sources as being the best cities for retirees to live.
For most seniors -- but not all – where we choose to live depends greatly on the proximity to our existing family and friends. Perhaps a grown son or daughter gets a great job in another city. No parent wants to be the reason they’d turn down a fabulous opportunity to achieve their dreams and earn more money while they are still in their working years. It’s only natural to want to live reasonably close to our loved ones so there are more opportunities to spend quality time with grandchildren and avoid making the holidays a time spent mostly in airports or rest areas along the highway.
Plus, we all want to feel moored to a support system that we can count on and rest assured that if, for example, we have a surprise overnight stay in the hospital, that there will be someone to help us cope. Assisted Living communities like the ones operated by Regency Senior Living offer a great option for seniors who want to be in the same community as family members, yet retain their own lifestyle and independence by moving into an apartment where peers of the same age group are around, along with help to make sure everyone has peace of mind that they’re well cared for and secure.
No doubt about it: Retirement living can be expensive anywhere, so affordability becomes a very important factor when deciding where to live. Some research is wise to determine whether a state taxes IRAs or pensions and what the total state and local tax burden is. “States often make up for (lack of a state income tax) with higher sales and real estate taxes, which can fall disproportionately harder on seniors than income levies,” Forbes magazine pointed out in an April 2018 article.
Some seniors planning to work part-time to supplement their retirement savings will be interested in the local unemployment rate in a city. Whatever the case may be, seniors want to get the highest quality of living for the lowest price to achieve it. Six of the 10 cheapest cities to retire in the US, according to AARP, are located in the South: Birmingham (AL), Jackson (MS), Memphis (TN), Brownsville (TX), Augusta (GA), and Montgomery (AL).
Regency Senior Living operates a great community in the Homewood section of Birmingham (where the annual individual cost to live as a senior is an estimated $33,219 to live comfortably in retirement -- the cost of living in Birmingham is 27.4 percent lower than the national average). Founded in 1871, “the Magic City” is an industrial and cultural hub for the region with a rich Civil Rights history, numerous art galleries, and home to the state’s major ballet, opera and symphony orchestra companies. Standing guard above the city is Vulcan, a cast-iron statue atop Red Mountain representing the Roman god of fire, iron and blacksmiths.
You can live on less than $42,000 a year in the nearby Alabama city of Huntsville, where the cost of living is 8.6 percent lower than the national average. Nicknamed the “Rocket City”, Huntsville continues to play an important role in military and technology initiatives. Huntsville has the second largest technology and research park in the nation, and ranks among the top 25 most educated cities in the nation. It is considered in the top of the nation's high-tech hotspots, and one of the best Southern cities for defense jobs. It is the number one location for happy engineers, with high average salary and low median gross rent. You may very well find a rocket scientist living on our 30-acre Huntsville campus.
Just slightly more expensive than Huntsville is our third Alabama retirement community in Tuscaloosa, where Alabama football is the nation's best and the Median Home Cost is the biggest factor in the cost of living difference, according to a cost of living index on BestPlaces.net. Regency Retirement Village of Tuscaloosa offers a range of options for senior residents, including independent living garden homes and the Veteran-specific program Haven for Heroes.
Regency Senior Living is based from Chattanooga, Tennessee, which has a cost of living 12.5 percent below the national average, along with health costs that are lower than in most of the cheapest places to retire. Located 15-minutes from downtown Chattanooga, The Rosewood of Fort Oglethorpe in North Georgia is a continuum of care retirement facility conveniently located a short distance from the best of shopping, restaurants, entertainment, hospitals, and more.
Rome GA is considered 1% cheaper than Chattanooga TN, mostly due, again, to median home cost. In this North Georgia community, we operate Riverwood Senior Living. It's a great option for seniors who want to live near family working as professionals down in Atlanta.
Knoxville in East Tennessee offers an affordable cost of living along with plenty of amenities, as does Memphis, where cost of living is 26 percent lower than the national average. Near these cities, you can find two more of our thriving retirement communities, the 9-acre Regency Retirement Village Morristown and the 4-acre Regency Retirement Village of Jackson TN.
We all want to live affordably, but it’s also important to live well. What’s a senior to do with free time on his or her hands? A little research online can point us in the direction of information about a community, the people living in it, local clubs, recreational possibilities, fun attractions, opportunities for volunteering for good causes, sporting events to enjoy, and a lot more. At Regency, we schedule regular outings for shopping and dining excursions in the communities we serve. When you visit the websites for our communities or arrange to visit in person, you’ll find a busy calendar of activities that all residents can enjoy, from physical exercise programs to tours of local stadiums and museums.
The South can be very appealing for seniors tired of enduring decades of cold, wet winters. We experience warm summers, mild winters, and abundant rain. During the winter, you’re likely to experience 40+ days with temperatures at or below freezing, the exact number varying from city to city. Freezing ice events are more likely to happen than snow events during a typical winter. The spring and fall months are pleasant, but residents of the region do experience occasional thunderstorms and tornadoes.
As we near retirement age, the quality of health care close by becomes a larger concern. A small town in the middle of nowhere may offer serenity, but what if an emergency prompts a need for more urgent medical attention? A major benefit of Regency communities is the staffing we offer by skilled personnel who can respond 24/7 for those with chronic medical needs, as well as those who simply like having someone else around to remind them when it’s time to take any prescribed medicines they take. A private house may offer solitude that some crave, but when living in a retirement community, there’s less reliance on the kindness and concern of neighbors to check in to make sure a senior living inside hasn’t fallen and broken a hip, for example.
Even if a senior is fit and independent enough to be self-reliant, we should think ahead to future months and years when age does become more of a factor. It’s good to know that if an ambulance is ever needed, the EMT drivers are familiar with where a senior living community is and how to get there to respond fast. Regency’s residence and service options range from Independent Living to Assisted Living to Memory Care.
We feel that the Southeastern USA is the ideal region for retirees to settle for all of the reasons mentioned above. Our communities offer the best option for seniors who want to enjoy everything these fine cities and our staff operating there bring to providing a high quality of retirement living.
If you are a senior looking for a community to make a fresh start to begin a new chapter in your retirement years, we encourage you to check out all that these cities have to offer and why you should choose to join us in calling one of them your new home.
It’s a moment we all dread, and it stirs alarm when it arrives. We’re referring to the first inkling that a family member of advanced age may exhibit early symptoms of dementia.
Perhaps it is when a mother repeats herself, forgetting the nearly identical conversation she had with you the day or week before. Or when your father exhibits personality or behavior changes.
It can be challenging to distinguish between a normal “senior moment” of confusion and a symptom of something more serious. Family may react with concern toward potential early warning signs of dementia, fearing that the disturbing development is just the first act of a progressive condition that marks possible trouble ahead. Such events can be very subtle and vague.
It is usually these moments that prompt a senior or his/her family members to question whether the time has arrived to seek extra help to do everyday tasks. Is it, they wonder, time to begin considering moving to an Assisted Living community like Regency Senior Living? In this month’s blog, we look at strategies to assess a senior’s needs and make the process of transitioning to the next stage of life easier.
A senior does not necessarily have to exhibit symptoms like memory loss, disorientation, mood disorders, and so forth for the move to a retirement community to happen. Many people happily leave empty nests and enjoy the newfound freedom and leisure that come with having no more dishes or clothes to wash, a yard to mow, etc. That’s the best way for moving from the home to a shared community to happen.
Unfortunately, instead, there’s often an inciting event that leads to an unpleasant confrontation that might cause a parent to get pressured to seek help out of necessity.
The catalyst may instead be poor health rather than dementia. Poor vision, Multiple Sclerosis, Parkinson’s Disease, high blood pressure, heart disease, depression, arthritis, osteoporosis, diabetes, COPD, cancer, and strokes give us plenty else to worry about affect a mother or father’s ability to remain self-reliant. Illnesses can result from years of obesity, poor diet, smoking, or a combination thereof. If family caregivers can’t step up to keep a closer eye on mom or dad, checking into Assisted Living moves the whole clan toward a heightened peace of mind. The senior may not recognize what everyone sees and become confused, suspicious and withdrawn.
Experts recommend slowly looking into Assisted Living as something to eventually do in the future rather than an immediate change to be forced upon them against their will. “Shop around” and “weigh options” for future needs. Arrange visits to check out your local retirement communities – the senior may find comfort in speaking to residents about their daily experiences and be relieved that the cold, clinical nursing home setting that they perhaps expected is not what awaits them at all.
It’s also important to consult the senior’s doctor to eliminate treatable conditions that can have similar symptoms to dementia. If the physician examines the senior and finds that the events are, indeed, likely the early signs of Alzheimer’s, this can often give them a nudge toward accepting what might otherwise be dismissed without a professional assessment.
As stated, many seniors are pleasantly surprised to discover the gap between Assisted Living and nursing home care.
There’s really no need for expensive around-the-clock medical care for someone who simply needs a little help with the activities of daily living (ADLs) such as bathing, dressing, and grooming.
Facilities can range in terms of the level of personal care offered and available resident amenities. Living spaces may depend on how independent the senior is when arriving. For many, an apartment with a kitchen included may strike the right balance, while others may want or need to rely completely on prepared meals served in a common dining area. As with anything in life, the living situation depends on what the senior and his/her family can afford.
Assisted living residences may vary greatly in size, appearance, cost, and services offered, but most will include basic housekeeping and medication reminders. Concerns about the senior’s ability to safely drive are alleviated by furnished transportation and certain health services that eliminate the need to get out as often for doctor’s appointments.
Assisted Living usually strikes a balance between the need for privacy and freedom vs the security of 24-hour supervision.
According to the American Association of Homes and Services for the Aging, the average assisted living resident is 87 years old. Of course, that also means that half of residents are younger than that. Most residents are female and Caucasian. Most assisted living residents previously lived independently according to a Centers for Disease Control report: 70% of new residents move from a home or apartment to the community.
One of the hardest things a person will ever do is force an unwilling parent to move into a senior living facility. Even after the move is completed, the loved one may experience feelings of intense grief. The website WorkingDaughter.com recommends the following to make things easier:
• Allow 3-6 months for the senior to adjust to the new living arrangement. Just like those homesick feelings we experience during our first year of college, it’s natural for a new resident to struggle to make friends and fit at home in a new place. Scheduled activities and encouraging participation in group activities can ease this time. Anticipating setbacks as normal and expected makes them easier to overcome.
• Visit the parent frequently so they do not feel abandoned or lonely. Regency makes this easy with opportunities for shared dining.
• Acknowledge the senior’s feelings. “Listen to their fears and concerns and acknowledge them. Then help them get through it. They will be more likely to listen to what you have to say if they feel like you’ve listened to what they had to say,” the website reads.
• Limit the New while Inserting the Familiar. Downsizing before a move can mean parting with a lifetime of possessions. As much as possible, the new space should be decorated with familiar furniture with photographs of family and friends, photo albums, favorite books, and a familiar piece of artwork following them to the new living space. At the same time, the website advises “Don’t overwhelm your parents with a new phone or remote control for the television, or a fancy new coffee maker. Limit the amount of new things they need to learn.”
Convincing mom or dad to willingly trade in their home for what they imagine will be an “old folks’ rest home” is rarely easy.
Some people are considerate enough to spare their families future hardship by prearranging their funerals, creating a Living Will, and other wise getting their affairs in order, but most do not. The same can be said for those who react with stubborn resistance to the whole idea that planning an eventual move means taking steps closer to death.
Many of our residents at Regency Senior Living find the exact opposite to be the case. Their move represents an exciting new stage of life where they enjoy a more carefree existence and make new friends. It’s nice to know there’s freedom to be alone, but also lots of chances to enjoy company as well.
Looking into the social aspects of a good assisted living community while stressing the peace of mind gained from increased safety measures will make you both feel better about the move.
If Mom expresses sadness that she never gets visits from her friends anymore, take the opportunity to suggest Assisted Living as the solution.
The website AgingCare.com suggests checking around to “see if anyone you know has a loved one who is already thriving in a local assisted living community” because it can offer great comfort to have a familiar face around. Many of our communities offer a financial incentive if a senior refers a friend to join us.
A move to Assisted Living, under ideal conditions, starts with research and a tour of facilities BEFORE any disturbing signs of cognitive decline. Seniors and their families should take the time to learn what’s ahead and make sure the parent’s wants and needs factor into what happens next – when the time arrives.
If you’re a senior looking for a great community to begin the next stage of life or the family member of someone who could benefit from living with us, please get in touch with us so we can schedule a tour with no obligation. Meanwhile, learn more about our assisted living communities on this website.
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It doesn’t take a scientist to know that seniors who experience close social connections live longer and enjoy a better quality of life, but there’s plenty of science to back up the importance of staying socially active for seniors. Many seniors live alone in isolation, which can lead to depression and loneliness. But Chattanooga TN retirement communities offer a solution to keep aging loved ones active and happy.
The results of a 17-year study of senior citizens in Alameda County, California suggest that social connection and leisure-time physical activity can improve the mortality rate regardless of age, race, socioeconomic position, and other behavioral risk factors, and baseline health status.
The study began in 1965 with 6,928 adults ages 20 or older completing an extensive questionnaire about behavioral, social, and psychological aspects of their lives. This enabled the researchers to compare the findings for those ages 60-94 with several younger age groups. Participants self-reported a variety of conditions, symptoms, and disabilities experienced during the 17 years.
Ties with close friends and/or relatives assume greater importance for those ages 60 or older, pointing to the critical importance of social network ties. Analyses of the findings have shown that such ties are significant predictors of lower 9-year mortality risk for persons aged less than 70 years. Social ties are also significant predictors of lower mortality risks for those aged 70 and older after adjusting for age, sex, race, baseline health status, perceived health, depression, and health practices.
Another study of 5,151 seniors found that people are more likely (by almost one-half) to live longer and healthier lives if they participate in some form of social interaction. Social activities like visiting or talking with friends or relatives decreased their likelihood of mortality. Those with a greater number of social ties experience reduced levels of functional decline.
Research from 1992-96 in Barcelona, Spain revealed that among females, in particular, the existence of support from neighbors, the size of the family network, the number of contacts with the community network and the situation of living with someone else were related increased life spans. The support of neighbors was found to have a significant relationship to their longevity.
The Alameda County study and research it has inspired achieve similar conclusions: It is likely that social engagement exerts a protective influence on health. It is possible that by encouraging older adults to participate socially and to maintain their social engagement, they will be more likely to consider themselves healthy at a later stage in life.
Scientific research repeatedly demonstrates that social engagement significantly predicts future subjective health. Even when prior subjective health is taken account of, those who are more socially engaged report higher levels of personal health than those with lower levels of social engagement.
At our Assisted Living in Chattanooga, seniors follow a calendar of scheduled activities that keep them busy and create opportunities for socializing. Regular entertainers perform songs that evoke memories of shared generational moments. Meals, craft workshops, and worship programs all offer chances for seniors to engage in conversations, and our programs attend to both their physical and mental wellbeing. Regency Senior Living offers regular physical activity to keep blood flowing, relieve tension, and to improve stamina, strength, and heart health. Those living alone often feel less motivation to exert themselves. Seniors can also keep their minds sharp with activities and games.
Regency’s amenities create a care-free environment where seniors no longer worry about most of the daily chores that keep us running ragged, yet they can still stay connected with people and exert their energy on things that matter to them. We provide transportation to go shopping or visit their doctor. They no longer worry themselves with housekeeping and cooking meals (or the cleanup!). Seniors still want to feel useful and needed. We encourage our residents to get involved in a hobby or to volunteer with their church, community, or charity groups.
We surround our residents with people their age, as well as compassionate caregivers who they can connect with on a personal level and consider friends. However, a person’s family will always matter most to a senior. Unlike the isolated grandmother whose sole companion most nights is a television, people who live with us enjoy an active social life independent of family involvement while also creating excellent opportunities for the family to visit and bond.
Families join us for dinner and special events. Many grown children take them out regularly for time together away from our community. Regency is there for Seniors in today’s busy world. Residents enjoy the freedom to come and go as they please, yet their families feel the peace of mind that they’re safe and secure.
With medication reminders, regular activities, and social moments planned and carried out, there’s no comparison to what a senior experiences when living alone at home.
Regency offers access to technology so seniors can take their real-life social connections and relationships online as their grandkids do. Computers connected to the Internet allow residents to research things and play games. Seniors living in our community are undoubtedly safer than those living alone and vulnerable to scam artists and thieves.
A social network is more than just something owned by a billionaire in Silicon Valley. It’s the key to getting more enjoyment and purpose from life. The research backs it up, giving us the mission to carry out for their wellness. Regency’s communities and programs set the stage for seniors to engage with friends from their own generation as well as our skilled caregivers. Combined with enduring ties to old friends and their families, the social circle is complete.
This sense of connection leads to a positive view of life. Combined with regular doctor check-ups and activities to keep days filled, a loved one can live a long, healthy life full of purpose, laughs, and joy.
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Parkinson's Disease is a condition that affects many seniors, yet it is talked about far less often than Alzheimer's Disease and other dementias. No two people experience Parkinson's precisely the same way, yet there are some commonalities. Parkinson's affects about one million people in the United States and 10 million worldwide. It's a condition we frequently see in Assisted Living Communities like Regency Senior Living.
The brain disorder causes a gradual loss of muscle control. Distinctive signs of the disease include tremors, stiffness, slowed body movements, and poor balance. Actor Michael J. Fox and boxer Muhammad Ali developed Parkinson's early in life, at ages 30 and 42 respectively. Contrary to popular belief, not everyone with Parkinson's has a tremor like these celebrities giving a face to the disease.
The symptoms of Parkinson's tend to be mild at first and can sometimes be overlooked as they develop slowly over about 20 years, according to the Michael J. Fox Foundation for Parkinson's Research. The symptoms may not be apparent for a while. Experts say the life expectancy for those with Parkinson's is about the same as those without the condition.
Some early signs of Parkinson's can be confused with other conditions. These include a rhythmic shaking of fingers or hands while in use, along with stiffness, difficulty getting out of a chair, stooped posture, or a frozen expression on the face. Slowed movement or suddenly freezing in place can also be a sign of the impairment, although usually in the advanced stages. Doctors use these progressive stages to determine the best treatment.
A change in handwriting may be a sign of Parkinson's disease called Micrographia. Writing can naturally change as you get older due to stiff hands or fingers or poor vision impacting your ability to hold a pen and see well.
"If you seem to have more trouble smelling foods like bananas, dill pickles or licorice, you should ask your doctor about Parkinson's," advises the Parkinson's Foundation website. "Have you been told that you have a serious, depressed or mad look on your face, even when you are not in a bad mood? This is often called facial masking."
All seniors can be affected by balance problems that pose the risk of falling, but this is especially true for someone with Parkinson's, which develops as a stooped posture with drooping shoulders. The rigidity of muscles is another sign of Parkinson's and one of the things that doctors examine. He or she may refer you to a neurologist, along with an occupational therapist, physical therapist or speech therapist.
It's essential that someone who has Parkinson's live in an environment where things they can trip on, such as rugs or cords, are removed and grab bars help with mobility in the bathroom. For these reasons, an Assisted Living environment can be a good match for a person with Parkinson's who needs help with simple tasks as motor skills decline.
Beyond the more obvious physical symptoms, people with Parkinson's may sometimes experience difficulty swallowing, confusion and memory problems, restless sleep, daytime fatigue, slurred speech, constipation, oily skin, and dandruff. Mood changes in the form of anxiety and depression also make things more challenging for those with Parkinson's, as well as their caregivers.
A diagnosis from a medical professional can determine whether tremors are from Parkinson's or another condition. A more common source of shaking known as "essential tremor" is distinguished from Parkinson's by getting worse when a hand is in motion, as opposed to stationary.
Experts from the National Parkinson Foundation say the average person with Parkinson's gets the condition at age 62. Males and those with a family history are more likely to have it. Parkinson's occurs when part of the brain stem stops making a chemical called dopamine that helps nerve cells communicate. The disruption causes a failure of the brain to control movement usually.
A drug called Levodopa has been used since the 1970s to treat Parkinson's. Side effects of the drug after long-term use include nausea, drowsiness, hallucinations, paranoia, vomiting, and involuntary movements. Other medications can mimic dopamine. Regular monitoring of the liver may be needed, as well as avoidance of certain antidepressants. In extreme cases, electrodes may be surgically implanted in the brain or radio-frequency energy used to destroy parts of the brain stem associated with tremors, rigidity or bradykinesia.
As with many conditions, a well-balanced diet can positively impact the condition. Calcium and vitamin D help with bone strength while high-fiber meals alleviate constipation. Researchers continue to investigate possible supplements or substances to protect the neurons damaged by Parkinson's.
Exercise also helps to ease the condition by allowing the brain to use dopamine more efficiently, plus getting more exercise improves coordination and balance. The treatment for Parkinson's depends on managing the specific symptoms that manifest since there is no single magic pill to cover everything at this time.
Assisting living communities staffed with compassionate caregivers and grab bars to prevent falls can make life easier and preserve more independence for those living with Parkinson's disease.
To learn more about Parkinson's, visit http://parkinson.org/ To learn more about Regency Senior Living, call (615) 598-0245.
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It’s important, when seniors put their legal affairs in order, to consider what is in their best interest when transitioning to an Assisted Living community.
It is important that a trusted person is given the authority to make decisions regarding the financial matters of the senior before something happens to incapacitate the resident. When left in question, families may split apart and battle within the probate court system over who has the legal right to make important decisions for the senior.
It’s not easy discussing the inevitability of death with an aging parent, but it happens to everyone eventually, so there are advantages to having a conversation about their wishes on such things as:
Having a clear idea, in writing, of what happens next often avoids future disputes.
While an aging or disabled person still has the capacity to make decisions about who to trust with such authority, a legal document called “Power of Attorney” is drafted to give the designated party the power to act on his or her behalf. It may be limited to certain activities, such as filing taxes. If no such document has been drafted and the senior loses the capacity to manage his or her own affairs, the courts may grant what’s called a “Conservatorship” to a responsible party seeking to handle such matters on behalf of the senior.
A person is considered incapacitated if, for reasons other than being a minor, he or she is unable to make decisions and cannot adequately take care of their own health care, nutritional needs and the like. Incapacitation may be as a result of mental illness or injury that resulted in brain damage. There may, of course, be instances where the senior can mostly function independently but needs assistance with finances. A failure to properly manage bills can often be the impetus for a family transitioning a senior to Assisted Living.
Martin L. Pierce, an attorney with the Pierce Law Firm, PLLC in Chattanooga, Tenn., is a Certified Estate Planning Specialist through the ABA-accredited National Association of Estate Planners & Councils. An AV Preeminent-rated lawyer with Martindale-Hubbell, he is also a Mid-South Super Lawyer® in the areas of Estate Planning and Elder Law, was selected to Best Lawyers in America for Trusts and Estates, and is an AVVO Top-Rated Lawyer. He is also a member of the National Academy of Elder Law Attorneys, and he is an Accredited Attorney with the Department of Veterans Affairs. He is an Accredited Estate Planner® by the National Association of Estate Planners & Councils. These credentials make him an authority on estate planning and elder law.
“There are definitely big differences between Power of Attorney, Conservatorship, Irrevocable Trust, etc.,” Pierce said. “There are slight differences, particularly in terminology, in different states or localities. ‘Conservatorship’ and ‘guardianship’ are basically interchangeable, for example.”
Pierce said the bottom line is that seniors and their families need to have plans in place to cover things like insurance and personal finances. In some cases, a senior may have a designated person with Power of Attorney, yet another family member may challenge this role and petition with the court for a conservatorship if the POA agent is not properly managing the senior’s assets or the senior needs additional help with something the POA agent is not equipped to provide.
It can be tragic when families take sides over a dispute about money or health care decisions after Alzheimer’s or another debilitating condition has robbed the aging parent of his or her ability to make important decisions. Grown children may express differences of opinion over what degree of retirement living or medical care is appropriate for the parent with its attendant impact on spending “their future inheritance.”
“We each have to consider what may become of our finances, belongings, and even ourselves if we become incapacitated or when we pass away,” Pierce said. “As uncomfortable as these ideas are, they are critical to see through so that our loved ones are not left with unnecessary burdens they may be unprepared or ill-suited to handling. These matters can be difficult and complicated. A good place to start is understanding the different types of legal documents every senior should have.”
He said a Durable Financial Power of Attorney can avoid a legal Conservatorship or Guardianship, which is an expensive and time-consuming process accomplished through the Probate Court. A Conservatorship requires Court approval of expenditures, investments and sales of assets, and it requires annual accountings filed with the Court of every item of income and expense. It can be effective immediately or upon proof of incapacity.
Another term discussed is a “Revocable Trust”, which may be referred to as a “Living Trust” because it contains instructions on the management of property during the lifetime.
“In my experience, I have found that relatively few people, including a very high percentage of non-estate planning attorneys, actually know how such a trust works,” Pierce said. “Asking a trial lawyer if they know how a Revocable Trust works is sort of like asking the average person if they know how an automobile works. And the answer you may get is: ‘Sure, you just get in, start the car and drive it where you want to go.’ To which you might reply, ‘No. That’s not what I mean. I mean, can you take a car apart and put it back together again?’ So, if you are going to use a Revocable Trust as the basic document of your estate plan, you at least need to know how to get in, start it up and steer it where you want it to go.”
“You have to actually change the legal title and ownership of each and every asset you want subject to the terms of the trust by giving those assets to the Trustee. This point is made over and over again to clients when they sign their Revocable Trusts,” Pierce said.
A Revocable Trust is important for two very good reasons. “The first, which is obvious, is that you can make any changes when you like to the trust -- or do away with the trust -- as long as you are alive and competent,” Pierce said. “This comes in handy if you were to change spouses or decide you want to disinherit your children and leave your estate to a charity. The second reason is that, because you retain the power to completely revoke or change the trust, Uncle Sam ignores it for income and gift tax purposes. In other words, you file an income tax return (Form 1040) as if the trust did not exist and you do not have to report the transfer of any property to the trust on a gift tax return.”
Tax implications are a key consideration in determining the best choice.
“Because the funding of a Revocable Trust is in effect simply a retitling of your assets without giving up any control over them, such assets are includable in your estate for estate and inheritance tax purposes. This does not mean that you will necessarily have to pay these taxes, it simply means that the assets in a Revocable Trust must be reported. A surprising number of people have acquired the mistaken notion that a Revocable Trust somehow avoids taxes, possibly confusing it with an ‘Irrevocable Insurance Trust’, which is designed to avoid these taxes.”
Let’s say you have created and actually funded a Revocable Trust with absolutely every asset you own. Why do you still need a Will?
“Remember, everybody needs a Will because you cannot completely control whether you will die without property subject to probate,” Pierce said. “So, when you create a Revocable Trust, you should also make a Will which says, in effect, that any property which you may own at the time of your death which is subject to probate (that is, not titled in the Trust) should be distributed to the Trustee of your Revocable Trust and added to it so that the Trustee can distribute it as you have directed in the trust. This type of Will is known as a ‘Pourover Will’ because it pours any unanticipated assets in your name alone at the time of your death over to your trust.”
Seniors and their families looking at options should explore the various options when planning for elder care. Pierce suggests discussing the tax consequences of any distributions with him or an accountant before distributions are made. To learn more about elder law, call Martin Pierce at (423) 648-4303. To learn more about Regency Senior Living, call (615) 598-0245.
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The Miracles of Modern Medicine
As we age, it is natural for the human body to become more susceptible to a range of chronic health conditions, both due to the accumulation of risk factors and natural changes brought about by time. Heart disease, cancer, diabetes, stroke and chronic lower respiratory diseases are now leading causes of death due to increased life expectancy, but the good news is that science equips us to manage these chronic conditions better than ever through a combination of medication and lifestyle choices.
Assisted Living communities cater to both of these, keeping residents physically active to reduce obesity and also helping them to manage the variety of medications that seniors frequently need to take on a regular basis to manage these conditions. These prescriptions may be used to treat concurrent medical conditions, posing an increased risk of drug interactions if not taken as directed by a physician.
The benefits of modern medications are impressive – pain relievers lessen arthritis so the senior can continue buttoning his or her own shirt, for example -- but with the benefits come potential hazards. Toxicity and adverse drug interactions pose a constant threat to anyone taking medications, particularly older adults who often take multiple prescription and over-the-counter (OTC) drugs.
The Dangers of Poor Medication Management
Some incident involving their medication can often be what triggers a senior’s initial move to an Assisted Living community. Perhaps Mom or Dad forgot they’d just taken their pills a few moments earlier and double-dosed or skipped taking doses, leading to an aggravation of their chronic condition. It’s hard for people of any age to remember to take their medications at set times to completion, as prescribed, but the risks can be elevated for aging parents. A third of emergency room visits by older adults are caused by adverse drug events, according to a white paper from the Center for Excellence in Assisted Living.
When the senior transitions to retirement living, families gain peace of mind knowing their loved one gains the “safety net” of services such as medication reminders while still enjoying the independence of their own apartment, as well as transportation to and from their doctor.
Assisted Living: Balancing Quality of Life with Enhanced Safety
The great thing about Assisted Living is that it is a more affordable alternative to nursing home care, which is intended for those needing around-the-clock medical care. Residents no doubt prefer living in a home-like environment, opposed to the clinical setting of a nursing home. Increased quality-of-life is a major area of focus, balanced with the senior’s need to remain safe and secure.
Regency care providers work to make sure residents are given their medications at the right times and at the correct dosages. Treatment can include reaching a physician to obtain or verify a prescription. Challenges include coordinating complicated medication regimens from multiple prescribers and healthcare providers, some of whom may not specialize in geriatrics. Further complicating things, the resident may have impaired cognition and communicate in a confused state. Managing the accuracy and confidentiality of health records is another facet of providing care to our residents.
Because of all these factors, the importance of training our people cannot be overemphasized. We work to provide the resources that are necessary to help staff provide quality and excellence in care.
Other Ways Regency Encourages Healthier Seniors
It has also been said that the food we eat is a medicine within itself. In that sense, Regency communities consult nutritionists/dietitians to ensure meals are not only tasty but cater to the management of chronic health conditions. Diabetic residents, for example, must have their condition factored into meal preparation.
Finally, Assisted Living communities like Regency’s offer scheduled activities to keep residents moving because this encourages longevity and better health, as well as creating opportunities for social interaction that science suggest may be critical to long life and happiness.
To learn more about Regency Senior Living, call (615) 598-0245.
We all have different dietary needs, especially as we age and might develop different health conditions. Today, we will discuss those needs and share healthy eating for seniors to adhere to, that can help maintain their health and prevent some common ailments that sometimes come with age. One challenge for many seniors is keeping up with cooking, which can be time consuming, tiring, and even dangerous if you have issues with mobility, coordination, or balance. That’s yet another great reason to consider retirement living—the help with meal times alone can offer enormous peace of mind and transform breakfast, lunch, and dinner from a source of stress to the pleasurable social activity eating can be at its best.
A senior care community makes it easier than ever for seniors to eat as often as they should and make sure each meal is not only delicious, but nutritious, too. It’s easy for seniors who struggle with meal prep and cleanup to turn to processed foods that are high in sugar, sodium, and preservatives. By enjoying three meals a day with their friends and neighbors at the retirement home, there doesn’t need to be as much worry about malnutrition, or getting the right amount of calories, vitamins, and minerals.
Seniors typically benefit from eating several small meals a day. That helps maintain insulin levels, keeps blood sugar steady, aids calorie intake, and prevents you from missing a meal if you were too tired at the end of the day to, say, enjoy an enormous dinner. Dishes like soups and stews can be rich in vegetables, protein, and carbs while packing a lot of flavor—and hydrating liquid. That can be ideal for addressing some of the most common health complaints for seniors that are easily treated with a change in diet, rather than prescription medications and supplements (though those can help, too!).
Sipping small amounts of liquid throughout the day can help you stay hydrated. If you have a health condition like diabetes that means you need to be mindful of sugars, avoid sodas, fruit juices, and naturally sweetened seltzers. Instead, drink plain water with a squeeze of lemon, sparkling water, dairy or nut milks, or herbal tea. Other drinks that are becoming more popular lately include kombucha and coconut water, though those can sometimes be sweetened.
In addition to staying hydrated, enjoy whole foods high in protein and fiber like whole grains, beans, peas, peanuts, boiled or baked potatoes, lean meats, and nut butters. Protein is a major building block for the body’s muscles and organs. It can be easy to tend towards eating too many carbs and not enough protein, so make sure you get some protein in at every meal. Fiber can help you avoid constipation, highs and lows with your blood sugar, or feeling hungry throughout the day. Vegetables are a great way to get plenty of fiber, including salads, cooked greens, broccoli, cauliflower, carrots, celery, and more. Many of the most fibrous vegetables out there are also vitamin powerhouses, too, meaning you get even more bang for your buck.
At Regency, it’s our top priority to help you live your very best life, whether it’s arranging fun activities for residents, having a caring, conscientious staff available, or preparing top-quality meals that will fuel all your favorite things to do, from playing with the grand kids to taking a walk outside to a rousing game of bingo. With the right foods, nothing can slow you down.
Written by: Meghan O'Dea
Written by: Meghan O’Dea
June is National Effective Communications Month. Being able to express oneself in a clear and understandable manner helps decrease misinterpretation, confusion and conflict. But what are we to do when a disease of the brain causes a family member to experience more and more difficulty expressing thoughts and emotions? That’s exactly the challenge faced by families who have a loved one battling Alzheimer’s or another type of dementia.
A Memory Care neighborhood like the one at a Regency Senior Living community provides the attention and compassion that seniors and their families need in such a situation. Our caregivers work with the Alzheimer’s Association to deliver strategies of treatment that allow our residents to retain their dignity and remain connected to their pasts through a variety of activities.
Day-to-day communication can be extremely frustrating for a family member attempting to serve the role of caregiver to someone impacted by dementia. It is heartbreaking to see the progression of the disease, as the senior struggles to find the right words, becomes repetitive, loses his or her train of thought, and relies on gestures more than speaking.
Once Alzheimer’s reaches the late stage, around-the-clock care is usually needed.
In Regency’s Memory Care neighborhood, residents are surrounded with the familiar. A jukebox might be playing songs that the senior knew as a teenager. According to the Alzheimer’s Association, music may help them to function at a higher cognitive level. Tunes can engage them in singing, rhythm playing, dancing, physical exercise, and other structured activities. Ballads and lullabies have been shown to calm someone during moments of agitation or when preparing for bed. Soothing sounds can provide a sense of comfort.
Regency regularly welcomes musical entertainers who may perform for Memory Care residents, often evoking a response of familiarity because our shared cultural connection to music invites an emotional reaction. Like anyone listening to a song to fit a given mood, the residents enjoy reconnecting with songs from their generation. The sounds of Elvis and Sinatra are quite familiar to those of us who live and work in our halls.
Our community has recently become certified for a pilot program called Music and Memory. There have been instances where seniors with dementia have been unresponsive until headphones are placed on their ears and familiar tunes from their youth are played on an iPod. Even after the headphones are removed, the power of music moves seniors to reacquire their cognitive faculties for a time. It reawakens feelings they haven’t felt in years.
Appealing to the visual senses as well, the furniture and decorations in a typical Memory Care neighborhood use cheerful colors and may even resemble a corner drug store with a soda fountain or jukebox, just like the ones residents likely visited as children. Such an environment can prove helpful in breaking through the fog of confusion. Baby dolls can also offer comfort to some Memory Care residents.
Another way to effectively communicate with a person dealing with Alzheimer’s is to minimize distractions, going to a quiet place and limiting conversations to one-on-one interactions. The Alzheimer’s Association recommends speaking clearly and slowly, avoiding lengthy requests. Maintaining eye contact and speaking slowly may also help.
“Sometimes the emotions being expressed are more important than what is being said. Look for the feelings behind words or sounds,” the Alzheimer’s Association states on its website. “Treat the person with dignity and respect. Avoid talking down to the person or as if he or she isn’t there. It’s OK if you don’t know what to do or say; your presence and friendship are most important to the person.”
Maintaining a connection with their past and with their relationships is key to Regency’s Memory Care activities. Photos of loved ones and objects of personal significance may be displayed prominently inside a resident’s apartment. It is important for residents to feel at home and for their families to possess the peace of mind that they are safe while enjoying stimulating activities for a higher quality of life.
One resource that may interest families is The Alzheimer’s Caregiver Buddy, which teaches how to deal with wandering, bathing, and meals. It also provides live help 24 hours a day by clicking and calling the Alzheimer's Association toll-free 24-hour helpline at 1-800-272-3900.
Until science provides us with the key to preventing dementia cases in future generations, Memory Care offers a valuable resource for families struggling to effectively communicate with an elder affected by Alzheimer’s.
For more tips on communicating with persons suffering from Alzheimer’s or another dementia, visit alz.org/commtips. For more information about the Music & Memory program, visit https://musicandmemory.org/.
Written by: Steven Stiefel
Many older Americans look forward to relaxing after retiring from a job and seeing their children all grown up with little ones of their own. For some, the prospect of peace and quiet can feel dull and leave them with the feeling their lives have lost a sense of purpose. Ironic that life is about more than punching a clock forty hours a week, yet some feel lost without a workday grind. It’s also unhealthy and potentially depressing to settle into a sedentary lifestyle. Without much to do, life starts to feel pretty empty.
For those who want their golden years of retirement to be infused with higher meaning, Regency offers a few tips:
Identify what makes you happy
Experts point to the power of questions to discover our purpose. Ask some questions and be honest with the answers. What has always made you excited to wake up in the morning? What have you always wanted to do when you had the time and resources? What did you enjoy or find satisfying about full-time work? If it is the work itself, many seniors can find part-time work, which can help to make retirement savings go further. If it is the fellowship of colleagues or the sense of mission, these are intangible things we can often find through alternative channels than just a workplace.
Break Out of a Routine
Someone struggling to adjust to retirement living may simply feel comfortable following a daily routine. We are creatures of habit, after all. As scary as change may be, doing the same thing, day after day, becomes boring. Changing things up can lead to greater happiness and life satisfaction. We adapt to new places and faces by reassuring ourselves that the novel will soon become familiar and strangers will soon become friends. All it takes is repetition and being bold enough to start a conversation to discover common interests. Within a matter of days, seniors can try new hobbies, check out new restaurants, visit new places, travel, and more.
Stay Active (Doing the Fun Stuff You Never Had Time for Before)
While everyone enjoys taking periods to rest, some people scoff at the idea of slowing down completely. Working kept us busy, but there are plenty of ways to keep in motion, from helping others to finding joy in recreational activities. After a long life of taking care of others, seniors can let the staff at an Assisted Living community take care of things like laundry, cleaning house and cooking. Their time is better spent on doing the enjoyable tasks rather than these chores. Exercise equipment and game areas keep the body and mind sharp. “Fun” means different things to different people: For one senior, it will mean hunting or fishing; another, reading books or writing a blog.
Creativity finds outlets in the form of painting or drawing, creating music, writing a journal or a blog, cooking, etc. Don’t get too hung up on whether people like something you create. Praise feels good, but creation is its own reward. At Regency, we offer craft classes for residents to indulge their imaginations and try new things.
Focus on Others
We can explore the art of conversation and develop relationships and with family and friends once life is not so hectic. For many, this can mean spending quality time with grown children and grandchildren. Even the person who has everything he or she could possibly ever need can find purpose in doing things to benefit others and the community. Volunteering for a charity, becoming active in politics, mentoring a young person, becoming an advocate for a good cause, or serving on a Resident Council are all ways to serve others. Use new-found free time to reconnect with old friends on Facebook or make new ones in a senior living community, like Regency.
Consider Retirement Living Options
If aging in place in the home leaves a senior feeling bored and lonely, family should consider a Senior Living Community that offers activities to fill time and new friendships to be made. Beyond the safety and convenience this offers, we all yearn to spend time with people our own age. Support and involvement matter greatly when it comes to finding happiness and purpose in later years.
Indeed, there is a lot more to life than collecting a paycheck. It’s never too late to reinvent oneself and regain a sense of purpose, wherever we find ourselves in retirement days.
To learn more about Regency Senior Living, call (615) 598-0245.
Written by: Steven Stiefel