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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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Tips for older adults and caregivers this holiday season

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(Family Features) The holidays are coming up, and many people will be celebrating with family and friends. The start of colder months also means flu, COVID-19 and RSV can surge. That can be dangerous for older adults.

“Holidays are a time to gather with family and friends,” said Charlene Wong, MD, MSHP, senior advisor for health strategy at the Centers for Disease Control and Prevention (CDC), “but for older people, this can come with risk of serious respiratory illness. Get your updated flu, COVID-19 and RSV vaccines to reduce your risk and do more together.”

Before heading to holiday gatherings, check out these tips from the Risk Less. Do More. vaccine education campaign. They can help you and your older loved ones enjoy a happy holiday season while lowering the risk of serious illness from flu, COVID-19 and RSV.  

Get Vaccinated Against Respiratory Illnesses
Older adults are at higher risk of getting seriously ill, ending up in the hospital or dying from flu, COVID-19 or RSV. Vaccines are the best protection against severe disease from these common respiratory illnesses. The CDC recommends that all adults ages 65 and older get the updated flu and COVID-19 vaccines. An RSV vaccine is also available to help protect older people from severe RSV. It is recommended for all people 75 and older, and for those ages 60-74 with certain health conditions, like heart or lung disease or diabetes, or who live in a nursing home. If you are a caregiver or help an older adult with their medical decisions, encourage them to talk to their doctor about the vaccines that are right for them.

Gather Safely
Respiratory illnesses often thrive in indoor spaces where people are in close contact. If the weather permits, try hosting holiday gatherings outside. When gatherings are inside, think about keeping windows open or using fans for ventilation. If you are going to a large indoor gathering, consider wearing a mask. Washing your hands frequently, or using hand sanitizer, also helps reduce the spread of germs. Encourage your older loved ones to take these precautions as well.

Stay Home If You’re Sick
No one wants to miss out on festivities, but it’s important to stay home if you are not feeling well. Encourage your family and friends to do the same. Remind them about the impact flu, COVID-19 and RSV can have, especially on older adults. If you’re a caregiver of an older adult, monitor any respiratory symptoms that may develop. Testing for flu and COVID-19 can also help inform your plans. All U.S. households can now receive four free COVID tests. Order them for your family and your loved ones at COVIDTests.gov.

For many older people, the fall and winter holidays are an important time to connect with others. Be sure to include vaccinations in your holiday planning. Go to vaccines.gov to get started today.

You can also learn more about flu, COVID-19 and RSV at cdc.gov/RiskLessDoMore or by talking to your doctor about which vaccines are right for you this season.

Photo courtesy of Shutterstock


SOURCE:
United States Department of Health and Human Services

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HEALTHY LIVING

How to get free vaccines for flu, COVID-19 and RSV

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(Family Features) Respiratory viruses are common in the fall and winter months. Flu, COVID-19 and RSV can surge during the cooler weather and keep people from gathering with family and friends. They cause many people to get very sick or even to be hospitalized.

“We know that getting vaccinated is the best defense against severe illness and death caused by flu, COVID-19 and RSV,” said Nirav D. Shah, MD, JD, principal deputy director of the U.S. Centers for Disease Control and Prevention. “Respiratory virus season is here and now is the time to get your updated vaccines so you can focus on what matters most: spending quality time with friends and family.”

Vaccines help people risk less serious illness, so they can do more of what they enjoy. Everyone 6 months old and older should get this season’s flu and COVID-19 vaccines. Adults ages 75 and older, adults 60-74 years old who have certain health conditions and adults age 60 and older who live in nursing homes should get an RSV vaccine if they have never been vaccinated against RSV. Pregnant people should also get an RSV vaccine to protect their babies from severe RSV disease in their first six months.

Getting vaccinated can be easy, and in many cases, it’s free. Here’s what you need to know.

Where Can You Get Vaccinated?

There are many places to get vaccines against flu and COVID-19, as well as RSV if you’re eligible. It’s OK to get all of these vaccines in one visit.

You can get vaccinated at some doctor’s offices, local health centers or most pharmacies. To find pharmacies near you, visit vaccines.gov. Your state or local health department may also be able to tell you where you can get vaccinated in your area.

Are the Vaccines Free?

If you have insurance: If you’re covered by Medicaid, or if you qualify for it, you can get the vaccines at no cost. People with Medicare (Parts B and D) or Medicare Advantage can also get the vaccines for free.

If you have private insurance through your job or your state’s marketplace, most plans fully cover the flu, COVID-19 and RSV vaccines through in-network doctors.

If you are uninsured: If you don’t have health coverage, your state or local health department or a local community health center may offer the flu, COVID-19 and RSV vaccines at no cost. Companies that make these vaccines may also offer them for free or at a lower cost through their patient assistance programs. Look for information on their websites.

To explore insurance options and affordable health plans, visit HealthCare.gov or see if you can get covered through Medicare or your state’s Medicaid program.

Get Vaccinated Now

Vaccines give you the best protection against getting very sick from flu, COVID-19 and RSV. Getting vaccinated soon means you’ll be ready for upcoming winter gatherings.

Visit cdc.gov/RiskLessDoMore to learn more about the flu, COVID-19 and RSV vaccines. Also, you can order free COVID-19 test kits (four per household) at COVIDTests.gov. Talk to your doctor about which vaccines are right for you or visit vaccines.gov to get started today.

Photos courtesy of Shutterstock


SOURCE:
United States Department of Health and Human Services

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What you don’t know can hurt: 3 facts about updated COVID-19 vaccines

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(Family Features) Four and a half years after the start of the COVID-19 pandemic, people are once again enjoying time with friends and family and doing their favorite things. However, the virus that causes COVID-19 keeps changing, so it’s still important to stay up to date on your vaccinations. Respiratory viruses, including COVID-19, are common during the fall and winter months. That’s why now is a good time to take care of yourself and your loved ones by getting the facts on the updated COVID-19 vaccines.   

“As the virus changes, we are learning more and more about how to protect people from COVID-19,” said Namandjé N. Bumpus, Ph.D., principal deputy commissioner at the U.S. Food and Drug Administration (FDA). “Getting the latest COVID-19 vaccine means your protection is as up to date as possible.”

Here is information about this season’s COVID-19 vaccines from the Risk Less. Do More. public education campaign:

Vaccines are the best way to protect yourself and your loved ones from COVID-19. Getting vaccinated against COVID-19 lowers your chances of getting very sick or being hospitalized. Some people who get the vaccines still get sick, but vaccination can make symptoms milder. This is important if you are over age 65 or have certain health conditions. Both can put you at a higher risk for serious or long-lasting health problems, such as Long COVID or even death from COVID-19. If you do get COVID-19, ask your doctor about treatment options to reduce your risk of severe illness.  

COVID-19 vaccines are regularly updated to keep up with the changing virus. The COVID-19 vaccines are updated based on the latest variants of the virus. The updated vaccines offer the best protection against the changing virus that causes COVID-19. Getting the latest vaccine boosts your immunity and lowers your risk of severe sickness.

Side effects for COVID-19 vaccines are usually mild and go away on their own in a few days. The most common side effects are soreness or redness at the injection site, headache or body aches, or fever. Severe side effects like anaphylaxis are rare, with about five adverse events per 1 million doses given.

Staying informed and getting this season’s COVID-19 vaccine – and encouraging loved ones to do the same – is one of the best things you can do to protect yourself and others this fall and winter. Knowing the facts about COVID-19 vaccinations can give you peace of mind and support a safer, healthier future for all. For more information, visit cdc.gov/RiskLessDoMore or talk to your doctor. 

If you think you have COVID-19, testing can help. All U.S. households are now eligible to receive four free COVID-19 test kits. Order them today at COVIDTests.gov.

The Impact of COVID-19 In Black and Hispanic Communities
For the first two years of the COVID-19 pandemic, people in Black and Hispanic communities were consistently more likely to get COVID-19, need medical or hospital care, and die from COVID-19 than people in other communities. That gap has narrowed over time, but this past summer, Black people were still more likely to be hospitalized for COVID-19 compared to the average across all races and ethnicities combined. Hispanic people had lower than average rates of hospitalization. For everyone, getting the latest COVID-19 vaccine offers the best protection against severe disease and hospitalization.

Photos courtesy of Shutterstock


SOURCE:
United States Department of Health and Human Services

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