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5 questions to ask when planning for long-term care

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(Family Features) You may not want to consider a time when you might not be able to fully take care of yourself, but the reality is there is almost a 70% chance someone turning 65 today will need some type of long-term care service and support in his or her lifetime, according to the U.S. Department of Health and Human Services.

Even if you’ve worked hard to save for retirement and create the financial security you want in the future, the need for long-term care could throw a wrench into even the most well-thought-out plans and impact you and your loved ones’ finances.

Consider these questions as you begin the long-term care planning process.

What is long-term care?
Different from traditional medical care that treats illnesses and injuries, long-term care includes services designed to help you maintain your quality of life and perform everyday activities even if age, illness, injury or a severe cognitive impairment make it a challenge to take care of yourself for an extended period of time. Long-term care services help with common daily functions including dressing, bathing and eating, and even skilled nursing services such as giving medication.

When should you start thinking about long-term care planning?
Because you never know when a need for care may arise, planning for care when you are younger and healthier can provide additional options as you’re more likely to qualify for coverage. Plus, cost is based on your age when you apply, so waiting can end up costing you more. Some people are beginning to plan as early as in their 40s.

How much does long-term care cost?
Long-term care costs vary depending on where you live, the type of care provided and the setting. Home-care services average $24-$135 per hour, according to the New York Life Cost of Care Survey, while private rooms in nursing homes can cost more than $100,000 a year.

Long-term care is generally not covered by health insurance, and government programs like Medicare or Medicaid have limitations, which often isn’t discovered until care is needed. However, New York Life offers long-term care options to AARP members and provides specially trained agents who can provide guidance. The agents can work with you and your family to create a customized plan based on your financial goals, helping protect your assets should you ever require long-term care.

Where is care provided?
Long-term care can be provided in a variety of settings, including at home, in an assisted-living facility or in a nursing home depending on the amount and type of care needed. In fact, some insurance plans cover care on a part-time basis by a family member or home health worker. Planning ahead can allow for more control over how and where you receive care.

How much coverage do you need?
The amount of coverage you need typically varies based on several considerations including budget, age, the type of care expected and how much of your assets and income you may be willing to use to offset the care costs. You don’t have to cover your entire risk – choosing a modest amount of coverage can still provide benefits and help protect other assets.

While planning for long-term care can seem daunting, you can find more benefits and information to make the process easier at aarp.org/benefits.

Photo courtesy of Getty Images

SOURCE:
AARP Services, Inc.

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HEALTHY LIVING

Everyday Ways to Nurture Your Skin This Summer: 4 simple habits to support healthy skin

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(Family Features) Good skin care doesn’t have to mean intensive routines or expensive moisturizers – it can be as easy as adopting everyday habits that nurture your skin from the inside out. Keeping your skin healthy and glowing begins with protecting it from harmful ultraviolet (UV) rays and eating and drinking healthy foods and beverages.

With an important role in maintaining overall well-being, it’s reassuring to know skin health may be supported with healthy, everyday foods including fresh, juicy grapes. In fact, emerging research suggests consuming grapes may help protect healthy skin even when exposed to UV light, which is known to be damaging. A study published in the journal “Antioxidants,” in which people consumed 2 1/4 cups of grapes every day for two weeks, showed increased resistance to sunburn and reduced markers of UV damage at the cellular level.

This study reinforced previous and similar findings published in the “Journal of the American Academy of Dermatology.” Grapes are also a hydrating food with 82% water content; hydration is essential to healthy skin.

Consider these everyday ways you can protect your skin.

Keep the Sun at Bay
Protecting skin from the sun is crucial. A lifetime of sun exposure can lead to wrinkles, age spots and other health problems, including an increased risk of skin cancer. When you’re out enjoying some sunshine, generously apply sunscreen of at least 30 SPF every 1-2 hours. Covering skin with lightweight, long-sleeve shirts, wide-brimmed hats and other sun-protective clothing can also help block UV rays. Another heat-wave hack: Take to the shade during the hottest parts of the day, usually from 10 a.m. to 4 p.m., to avoid the sun’s rays when they’re at their strongest.

Fill Your Plate with Healthy Foods
Nutritious foods, including fruits and vegetables, can play an important role in achieving an overall balanced diet with adequate hydration. Enjoying the goodness of fresh or frozen Grapes from California can provide extra hydration and a boost of beneficial antioxidants and other polyphenols that help protect the health and function of the body’s cells, including those in the skin.

Stay Hydrated
Drink water throughout the day, and for added flavor, infuse with hydrating fruits like fresh, juicy grapes. For a cool, hydrating snack, try freezing grapes: simply rinse, pat dry, remove from the stems and freeze for 2 hours in a single layer on a sheet pan for flavorful ice cube replacements.

For an easy, refreshing way to add grapes to your menu and stay hydrated on warm days, try these Frozen Grape Lemonade Ice Pops for a sweet, delicious dessert the entire family can enjoy.

Fight Back Against Stress
Stress can negatively impact skin in a variety of ways, including making it more sensitive or reactive. Be mindful of the effects stress can have on your skin and practice stress-relieving techniques like getting enough sleep, exercise and perhaps exploring meditation, deep breathing or yoga.

Visit GrapesFromCalifornia.com for more delicious recipes and information on grapes and health.

Frozen Grape Lemonade Ice Pops

Yield: 8 ice pops

  • 2 cups halved California Grapes
  • 1 1/3 cups lemonade
  1. Fill eight 3-ounce ice pop molds with halved grapes.
  2. Pour in lemonade to just cover fruit. Insert ice pop stick handles.
  3. Freeze at least 3 hours until frozen.


SOURCE:
California Table Grape Commission

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Stay safe, healthy during and after emergencies

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4 tips to prepare for natural disasters that can negatively impact physical and mental health

(Family Features) As you’re making your emergency preparedness checklist, it’s also important to protect your heart and overall health in the wake of a hurricane, tornado or other natural disaster.

The experts at the National Oceanic and Atmospheric Administration predict an above-average Atlantic Ocean hurricane season for the seventh year in a row. Research shows it’s not only physical devastation that impacts the health and safety of people in the path of a natural disaster.

In fact, in a study presented at the American Heart Association’s Epidemiology, Prevention, Lifestyle and Cardiometabolic Health 2021 Scientific Sessions, researchers found there were higher rates of high blood pressure, obesity and pre-diabetes among survivors of Hurricane Maria in Puerto Rico in 2017, as well as increased incidences of heart disease and stroke two years after the storm compared to two years prior to the hurricane.

It’s not only hurricanes that can have a negative impact on cardiovascular health. A study published in the journal “Hypertension found a significant increase in blood pressure levels and the incidence of high blood pressure among people who were forced to evacuate following the Great East Japan Earthquake in 2012.

Gustavo E. Flores, M.D., a member of the American Heart Association’s Emergency Cardiovascular Care committee, said there are several factors that may lead to increased cardiovascular disease and risk after a natural disaster.

“During and after a storm, many people experience extreme stress and trauma, which research shows can lead to an increase in cardiovascular disease risk,” he said. “The impact can be more intense for heart disease and stroke patients. Additionally, in the aftermath of a significant natural disaster, property destruction and evacuations affect many basic support resources. This can make it challenging to see a health care professional for routine check-ups or refill or adjust medications, especially for more vulnerable populations.”

Flores, chairman and chief instructor for Emergency & Critical Care Trainings, LLC, said it’s important for people to be prepared and plan ahead. Consider these quick tips from Flores and the American Heart Association, which is celebrating 100 years of lifesaving service as the world’s leading nonprofit organization focused on heart and brain health for all:

  • Take time to write down any medical conditions, allergies and medications, including doses and the time you take medications, along with your pharmacy name, address and phone number. Keep the information with any other “go-kit” items you have handy for quick evacuation.
  • If you need to evacuate, even temporarily, bring your medications and health information with you in a resealable plastic bag to help keep it dry.
  • If your medication is lost, damaged by water or was left behind when you evacuated, research open pharmacies and seek a refill as quickly as possible. Some states allow pharmacists to make medically necessary exceptions on certain types of prescription refills during an emergency.
  • Use the Patient Preparedness Plan if you have diabetes and use insulin. There you’ll find a checklist of supplies and guidelines to prepare for an emergency.

Another way to prepare for a possible medical emergency is to learn how to perform hands-only cardiopulmonary resuscitation (CPR) and how to use an automated external defibrillator until help arrives. If performed correctly, CPR can double or triple a person’s chance of survival.

Visit Heart.org for the latest on heart health and the Disaster Resources page for a wide range of helpful information.

Photo courtesy of Shutterstock


SOURCE:
American Heart Association

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HEALTHY LIVING

Nurturing the mental health of young children

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(Family Features) The earliest years of children’s lives lay the foundation for their social and emotional well-being, setting the stage for success in school and beyond. For parents, caregivers and educators, it’s crucial to prioritize and nurture the mental health of children in their care.

Dr. Lauren Loquasto, senior vice president and chief academic officer at The Goddard School, and Dr. Kyle Pruett, clinical professor of child psychiatry at Yale School of Medicine and member of The Goddard School’s Educational Advisory Board, share this insight and guidance to support children’s mental well-being.

Understanding Mental Health in Young Children
Mental health influences how everyone – including young children – thinks, feels and behaves, impacting the ability to cope with stress, build relationships and navigate life.

The development of mental makeup is influenced by both nature (inherited genetic and biological factors) and nurture (environmental factors). Each person is a combination of a unique temperament combined with life experiences, including family, culture and education.

In young children, there is no distinction between mental and physical health. The brain and body are growing and developing rapidly. By 6 months, children can begin to feel overwhelmed by negative experiences. It’s vital to understand that the earliest interactions with children can have lasting social and emotional consequences.

Causes for Concern
When it comes to young children’s mental health, there’s no straight line dividing expected and worrisome behaviors. That line is wiggly and can shift. That said, it’s always concerning when children fall off their developmental tracks.

Infants are expected to partake in “serve and return” activities. They provide signals about how they feel or what they need and caregivers respond to those cues. When those signals stop and the child becomes exceedingly passive, that’s a concern.

Toddler troubles are among the most difficult to diagnose. Many are familiar with the concept of the “terrible twos;” deciphering between developmentally appropriate and worrisome behaviors can be challenging. Signs of concern – especially if they occur constantly – include excessive aggressiveness, a consistent lack of control and screaming instead of talking.

For pre-kindergarteners and kindergarteners, tantrums should be over. They should be interested in making friends and mastering their vocabulary and language. If they aren’t displaying interests or are exhibiting a lack of self-regulation, such as hurting others or animals, seeking help is appropriate.

Seeking Help
If concerns are identified, parents should contact their pediatric care provider. In some cases, they may recommend seeking assistance from a mental health provider, such as a therapist. Selecting the right provider – one with training and experience with working with children – is essential. Lean on your network, including your pediatric care provider, friends and family, to identify the best option.

Supporting Early Social and Emotional Development

  1. Understand your child’s behavior – particularly if they aren’t verbal – is their way of communicating. Narrate what your child is experiencing and label emotions. For example, “I see you’re angry. Can I help you put your shoes on?”
     
  2. Model social and emotional self-control. For example, “I’m frustrated. I’m going to pause, take deep breaths then tell you what I need.” This gives children coping techniques they can practice themselves.
     
  3. Be a good example. Model, for instance, how to be a good friend, show respect and use good manners.
     
  4. Partner with your child’s teachers. There should be two-way dialogue presenting potential concerns.
     
  5. Don’t rush to diagnose issues. Remember children save their “toxic waste” – big, negative feelings – for their parents because they trust them. Your experiences with your child may be different than others’ experiences. Be cautious to avoid a quick reaction. Work to understand what your child is trying to convey. Seek information from others.
     
  6. If a child is exhibiting anxious behavior, which is normal when encountering new situations, be present, listen, observe, answer questions, label emotions and provide reassurance. Don’t overreact to fears. Young children are learning to deal with the unknown and, just like learning to ride a bike, it takes time and comfort to develop the skills to manage those emotions.

To watch a webinar featuring Loquasto and Pruett providing additional guidance, and access actionable parenting insights and resources, visit the Parent Resource Center at GoddardSchool.com.

Photos courtesy of Shutterstock


SOURCE:
The Goddard School

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