Category Archives: Senior Living

Financial Perspectives: How does long term care insurance work?

3-bottom, Citizen Journalism, Community Health, Finances, Health, Local Business, Senior Living

By Dave Stanley
Integrity Financial Service, LLC

(Courtesy, Pxhere.com)

Understanding insurance can sometimes feel like you’re trying to decode a foreign language. But don’t worry! I’m here to help break down one type of insurance that’s important as we or our loved ones age – long term care insurance.

Starting with the basics, long term care insurance is designed to help cover the cost of services that assist with activities of daily living. These activities can include things like bathing, dressing, eating, or even moving around. The need for assistance with these activities could be due to aging, an illness, an accident, or a chronic condition.

It’s important to remember that long term care isn’t just provided in nursing homes. It can also be provided in your own home, in community centers, or assisted living facilities. In fact, a lot of folks prefer to receive care at home or in more home-like settings whenever possible.

Now, let’s get into how the insurance part works. When you purchase a long-term care insurance policy, you’ll pay a premium to the insurance company. This is usually a monthly or annual fee, just like with other types of insurance.

In return, if you need long term care services, the insurance company will pay a set amount towards your care. The amount they’ll pay and the types of services they’ll cover are outlined in your policy. Make sure you understand these details when you buy your policy!

One thing to note is that there is often an “elimination period,” or waiting period, before the insurance company starts to pay for your care. This could be anywhere from a few days to several months, depending on your policy. Think of it as a deductible, but instead of a dollar amount, it’s a period of time.

Also, just like most things in life, long term care insurance comes with limits. There might be a limit on how much the policy will pay per day, or there might be a total limit that the policy will pay over your lifetime. If the cost of your care goes over these limits, you’ll be responsible for paying the difference.

Here are a few tips about finding the right type of policy for your needs. 
Finding the right long-term care insurance policy is a very personal process that depends on many factors, such as your health, age, financial situation, and personal preferences.

  

Begin by evaluating your potential need for long-term care. Consider your current health status and family history. Do chronic or debilitating health conditions run in your family? What is your current lifestyle like? Are you physically active or do you have any habits that could affect your future health, like smoking or excessive drinking?

Next, consider your financial situation. The cost of long-term care insurance can be quite high, especially if you wait until you’re older to purchase a policy. Can you afford the premiums now, and will you be able to afford them in the future if they increase? Also, consider the other resources you might have to pay for long-term care, such as savings, investments, or family support. You may want to consult with a financial advisor to help you evaluate your situation.

Then, think about what kind of care you might want. Would you prefer to receive care at home for as long as possible, or are you open to receiving care in a facility, such as a nursing home or assisted living facility? The type of care you prefer can affect the kind of policy you should look for.

When comparing policies, pay close attention to the policy’s benefit triggers, which are the conditions that must be met for you to receive benefits. Most policies use a certain number of activities of daily living (ADLs) as a benefit trigger. The six ADLs are eating, bathing, getting dressed, toileting, transferring, and continence. Typically, if you need help with at least two ADLs, you qualify for benefits.

  

Finally, don’t rush your decision. Take your time to understand all the details of the policies you’re considering. And don’t be afraid to ask for help. A good insurance agent or broker who specializes in long-term care insurance can be a valuable resource in finding the right policy for you.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

For Debra, Care Resources has been a life-changer

3-bottom, Community Health, Health, Senior Living,

By Care Resources

As a Program of All-Inclusive Care for the Elderly, Care Resources provides wraparound support services funded by Medicare and Medicaid to help people like Debra live a healthier and more independent life. (Courtesy, Care Resources)

Care Resources, a community-based program for people 55 years or older, enjoys being a lot of things to a lot of people, but for Debra, it transformed her life.

“I am,” she says with a hearty laugh, “a different person.”

Born and raised in Chicago, Debra, age 72, never knew her mother, who died while giving birth to her. She was raised by her father and a grandmother, staying in Illinois until she was about 20, working after graduating high school as a cashier in a grocery store.

She attended college for a couple of years, while simultaneously raising three children as a single mother. Her son and both daughters served in the United States armed services – the Army, Navy and Air Force, to be precise.

A self-described “people person,” Debra loved the give-and-take that came with working in retail jobs, and later, as a maid in hotels.

“I got to meet people from all over the world,” she recalls. “I so enjoyed listening to different languages being spoken.”

She moved to Michigan when her father purchased property here, moving to a small town outside of South Haven, where her children attended school and later launched their military careers.

After retiring and moving to Grand Rapids in 2019, she became ill with disorders she says were never properly diagnosed.

“I couldn’t really move hardly at all,” she says. “I couldn’t do anything for myself, and relied on my two daughters to wash me, to feed me.”

She suffered a bad fall from her bed, prompting her son-in-law – an employee at Care Resources – to insist she be seen by the organization’s medical team.

It was a transforming decision, giving her access to comprehensive health care services funded by Medicare and Medicaid.

“They came right to my house and did everything they had to do to assess me,” she said. “They got me a wheelchair. They got me a special bed.”

With these support services, Debra’s health improved markedly, to a point where she became able care for herself and control her daily affairs of living.

“I went from not walking, to a wheelchair, to a walker, to walking on my own,” she says proudly. “I did the therapy, the exercises – everything they told me to do.”

Today, she’s a regular at Care Resources’ headquarters on 4150 Kalamazoo Ave. SE in Grand Rapids, which features a day center, clinic and pharmacy. She boards the organization’s transportation bus to get there, and spends her time connecting with friends, playing Bingo, crafting and enjoying meals, among other activities.

Looking back, Debra credits Care Resources with putting her on the road to independence and keeping her in her own home rather than a nursing facility. That’s a hallmark of Care Resources, which provides medical care and a wide array of home health services to more than 300 participants in Kent County and portions of Allegan, Barry, Ionia and Ottawa counties.

“Did they change my life?” asks Debra. “They surely did! I was down and out and didn’t want to go anywhere or see anyone or do anything. But they wouldn’t let me stay down. They helped and encouraged me, cheered me up and never gave up on me.

“If it weren’t for them, I would not be walking today.”

Debra is still reeling from her first visit ever to Michigan’s Capitol building in Lansing, where she helped raise awareness of Care Resources as a Program of All-Inclusive Care for the Elderly, or PACE, organization. Debra was one of several participants who shared personal stories with legislators about the impact of PACE on their lives.

To other older adults in West Michigan seeking ways to improve their lives, she suggests they visit Care Resources and “just come watch what they do; they’re like little bees buzzing around because everyone is just so eager to help others.”

To learn more about Care Resources and PACE services, visit CareResources.org.

Financial Perspective: What is assisted living

3-bottom, Community Health, Finances, Kent County, Local Business, Senior Living, ,

By Dave Stanley
Integrity Financial Service, LLC

(Courtesy, Pxhere.com)

Assisted living is a type of housing option for seniors or disabled individuals who need help with daily activities but still want to maintain some level of independence. It’s a middle ground between independent living (such as in a private home or senior apartments) and more intensive care services like those found in a nursing home.

Assisted living facilities typically offer a range of services to support residents, including:

  1. Personal Care: Staff members are available to help with personal needs like bathing, dressing, eating, and mobility.
  2. Medication Management: Assistance with taking the correct medications at the right times.
  3. Meals: Facilities typically provide three meals a day tailored to the dietary needs of their residents.
  4. Housekeeping and Laundry: Regular cleaning and laundry services are often included.
  5. Social Activities and Recreation: Assisted living facilities often have a full schedule of activities and events to keep residents active and engaged. These might include fitness classes, arts and crafts, games, movie nights, and outings.
  6. Transportation: Scheduled transportation services may be provided for shopping, appointments, and outings.
  7. Healthcare Services: While not a replacement for a full-time medical facility, assisted living communities often have healthcare professionals on-site or on-call.
  8. Security: To ensure residents’ safety, assisted living facilities typically have security features such as 24-hour staff, emergency call systems, and safe, walkable areas.

In an assisted living facility, each resident typically has their own apartment or room, and common areas are shared. The goal of assisted living is to provide a supportive living environment where seniors can maintain a level of independence, while also receiving the personal care and support they need.

Please note that rules, regulations, and services provided can vary widely from one facility to another and from state to state. Some facilities may offer more advanced medical care, while others may focus more on providing a social and community environment. It’s important to research and visit facilities in person to determine the best fit for individual needs and preferences. 

Finding the right assisted living facility for yourself or a loved one involves careful research and planning. Here are some steps to guide you through the process.

First, evaluate the level of care that you or your loved one requires. This could be based on a variety of needs such as medical conditions, mobility, dietary needs, and personal care needs.

Next, begin doing online research to find assisted living facilities in the desired location. There are many websites and online directories where you can find information about different facilities. You can usually filter by location, services provided, cost, and more.

In addition to online research, contacting local health departments or agencies on aging could prove useful. These organizations often have resources that can help you navigate the process of finding an assisted living facility. They may also have knowledge of financial assistance programs.

After you have identified potential facilities, the next step is to schedule a visit. During your visit, pay attention to the environment, the staff, and the residents. This can give you an idea of what daily life is like at the facility.

Checking the facility’s safety and quality standards is another important step. This might involve looking into state inspection records, any violation histories, or any complaints made against the facility.

Lastly, cost is a significant consideration when choosing an assisted living facility. Make sure to understand what is included in the cost, and if there might be any additional charges for specific services.

Remember, choosing an assisted living facility is a big decision. Take your time to research and visit multiple facilities, and always ask any questions you may have to make sure you’re making the best choice for you or your loved one’s needs.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Faith Hospice opens new healing pavilion

3-bottom, Citizen Journalism, City of Wyoming, Community Health, Health, Kent County, Senior Living

By WKTV Staff
joanne@wktv.org

In May, Faith Hospice, Holland Home’s hospice division, opened the doors to the Van Andel Hope & Healing Pavilion, which is located in the lower lever of Trillium Woods, in Byron Center.

The Van Andel Hope & Healing Pavilion opened in May. (Courtesy, Faith Hospice)

The project was completed due to the support of the Van Andel family with leadership of Amy Van Andel, a former Faith Hospice nurse.

The project allows all Faith Hospice staff and volunteers to work together under one roof and meets the growing needs for bereavement services for the families Faith Hospice serves across West Michigan.

Key features of the new facility include:

Grief Support Center

This new center will provide private and individual grief counseling as well as comfortable group and family counseling and gatherings. The center will allow space for comforting those struggling with the trauma of loss as well as space for community seminars and education.

Hospice Training & Education Lab

This training facility will create a Hospice Patient Care space to train staff and volunteers through role playing and skills testing, allowing for an enhanced care experience for patients and their loved ones.

Consolidated Office Space & Staff Renewal Area

Bringing all Faith Hospice staff under one roof will allow for better collaboration when caring for patients, whether they are inpatient at Trillium Woods or living in the community. The space includes an area for staff and volunteer respite and renewal.

“The Van Andel family are great friends of the organization, starting with Jay and Betty,” said Holland Home President and Chief Executive Officer Troy Vugteveen. “The Van Andel Hope and Healing Pavilion will continue to honor their parents and carry on the tradition to provide shelter to the hearts of those grieving. We are so grateful for Steve and Amy Van Andel and the blessing they continue to be.”

Built in 2006, Trillium Woods, 8214 Pfeiffer Farms Drive S.W, offers 20 private rooms and a peaceful, family-centered atmosphere with 24/7 medical care. The organization had only utilized the upper floor of the two-level walkout building for its inpatient care with the intent of using the lower level for additional education and administrative use. 

The Inspiration

The inspiration for the center came from Faith Hospice Bereavement Manager Janet Jaymin and NFL official and West Michigan resident Carl Paganelli. After Janet walked with Carl on his grief journey following the death of his wife, Cathy, in 2016. Carl’s and Janet’s mission was to create a peaceful, private environment for those grieving as they seek grief counseling. Amy Van Andel, Nancy Erhardt and the late Dan Pfeiffer joined as campaign co-chairs and successfully completed a $2 million fundraising campaign to create this much-needed grief support and bereavement center.

A counseling room in the new Van Andel Hope & Healing (Courtesy, Faith Hospice)

“Walking alongside loved ones after they’ve experienced loss is such an important part of the hospice experience,” said Amy Van Andel. “We hope that having a facility dedicated to those who are grieving that offers resources to guide them on their journey will help families begin to heal and feel hope for the future.”

The Van Andel name is a continuation of the family’s involvement with Holland Home, which dates back to 1998 when the Van Andel Pavilion was constructed at Holland Home’s former Fulton Manor location. Funds for that facility were donated in honor of the late Betty Van Andel. Transferring the name from the former Fulton location was a natural fit for the family, allowing them to continue to honor their parents’ legacy.
  

Support, strategies for a ‘good death’

3-bottom, Senior Living, ,

By Emmanuel Hospice

At Emmanuel Hospice, helping someone have a “good death” is about delivering comfort and care that aligns with the unique needs and wishes expressed by each patient and their loved ones at the end of life. (Courtesy, Emmanuel Hospice/iStock)

Not everyone is comfortable with the term, but at Emmanuel Hospice, professional caregivers are increasingly leaning on the concept of a “good death,” and gently sharing with their patients how embracing it can help them transition from this world to the next.

“There’s no one definition for it, but in virtually every case, it has to do with paying attention to a person’s goals at the end of life,” says Eleazar “Ellie” Lopez, a spiritual caregiver at Emmanuel Hospice. “What do you want and how can we help? How can we deliver that comfort and care?”

Relatively speaking, a “good death” is a fairly new term that is understood in different ways across various places and cultures. Some experts tend to agree it should focus on a death free from avoidable distress and suffering, a hallmark of hospice care in general. There also is consensus a good death aligns with needs and wishes expressed by patients and their loved ones.

“It can be different, though, for each person,” Lopez points out. “For me, I would make sure I’d apologize to people I may have hurt during my life. And I’d want to make sure my family was with me. So, it would be about reconciliation and relationships.”

Lopez recalls that just last month, he counseled a woman who was having issues with her children, and asked, “How can we make the most of this Mother’s Day?” because it was possible she would not be alive to celebrate another.

Lopez believes one of the best ways to dignify people and help them have a good death is to listen to their stories – and be aware of how those stories connect us to one another and celebrate both our differences and commonalities.

“Each life is a story worth telling,” he says, “and each experience helps make that story special to that individual. So, you listen, and I believe listening is what I’m good at. When a person passes, their stories are now my stories, and I have them in me.”

Lopez brings a unique perspective to his job. He labored for many years in the restaurant industry, as well as in a heat-treatment facility. He’s been employed at Emmanuel for just under two years.

He’s generous with his time and gifts, aware that when he visits a hospital or retirement community, a complete stranger might summon him to their bedside upon discovering the role he plays: “I might pray with several people in a day whom I wasn’t there to visit.”

In taking time for patients, Lopez believes he’s helping people create that good death because someone is acknowledging thoughts and feelings that can assist them in moving forward in a positive way on what is arguably a difficult journey.

“Their goals become my goals,” he says. “I support them in the moment, and where they are in that moment. I want to offer quality over quantity of life. At Emmanuel, it’s what we do. It’s who we are.”

For more information, visit EmmanuelHospice.org.

Nurses play critical role in keeping older adults out of hospitals, nursing homes

3-bottom, Citizen Journalism, Senior Living, ,

By Care Resources

Julie Dekam, a medical assistant supporting the Care Resources nursing team, obtains a blood sugar reading from participant Dora in the clinic. (Courtesy, Care Resources)

Nancy Baker and Barbara Scothorn share a single mission as nurses: keeping seniors out of hospitals and nursing homes.

That mission is at the heart of their employer’s approach to health care. Both work for Care Resources, an innovative community-based program for people 55 years and older that promotes healthy and independent living for residents of Kent County and portions of Allegan, Barry, Ionia and Ottawa counties.

“We always know the nurse’s primary role is education,” explained Baker, who serves as clinic and day center manager for Care Resources. “Often a provider can be talking to a participant, but it’s really the nurse who can help them understand how to manage their diabetes or COPD.”

Scothorn agreed, adding: “Nurses are there to work with a participant and help them meet their goal, which is staying in their home and out of the hospital. It’s a partnership. We work with participants and their families to provide wrap-around services that supplement what they are able to do. Families play a huge role, and we take them into consideration in our planning.”

Scothorn serves as manager of home care and intake enrollment for Care Resources, which is a Program of All-inclusive Care for the Elderly, or PACE®. Funded by Medicare and Medicaid, PACE services require no out-of-pocket payments for those who meet income requirements.

 

Care Resources offers a day center, clinic and pharmacy in its 36,000-square-foot facility in Grand Rapids that deliver a wide range of health care services as well as opportunities that promote socialization, build community and offer respite to caregivers. The nonprofit also provides home health services, including family and caregiver support, home care services and rehab and durable medical equipment, such as walkers, wheelchairs, oxygen and diabetic testing supplies.

All of this support, Baker and Scothorn know, is critical in keeping participants safe at home. They listed a host of reasons why people 55 years and older often wind up needing acute medical care:

  • Worsening medical conditions that go unnoticed when loved ones aren’t around.
  • Poorly managed medication, including skipped or doubled doses.
  • Unobserved changes to breathing, blood pressure or weight that signal larger health issues.
  • Poor nutrition and dehydration, which can cause a cascade of other health issues.
  • Social isolation, which can lead to rapid or steady decline in physical and mental health.

“My nurses in the clinic are great on triage and assessment,” Baker said. “They complement the work of Barb’s nurses and home health aides, who play a vital role in seeing what patients go through every day and addressing issues before they become problems.”

Baker and Scothorn highlight simple things loved ones can do to ensure older adults can be safe at home, including:

  • Ongoing education to help better manage chronic conditions, such as diabetes, or disease progression for illnesses such as Alzheimer’s and heart failure.
  • Medication assistance, such as setting up pills in a med box or med wheel so it’s easier to keep track of daily doses.
  • Home safety checks, such as removing throw rugs to prevent falls and installing grab bars instead of towel racks.
  • Meal preparation, such as stocking their freezers with meals they like and to improve their nutrition. 
  • Transportation support to ensure they can get to their medical and other appointments.
  • Social support and a safe place to go during the day, such as the Care Resources day center, for stimulation and engagement – and to give caregivers a needed break.

“These are great steps to help older adults stay healthy and remain in their homes,” Scothorn said. “Nurses can provide an additional layer of support. We are often the first to notice changes and issues – we’re trained to watch and take action to help community members age safely in place.”

For more information on Care Resources, visit CareResources.org.

Senior Expo returns to the Meijer Gardens

3-bottom, Citizen Journalism, City of Kentwood, City of Wyoming, Community Health, Health, Senior Living,

By K.D. Norris
WKTV Contributor

The Senior Expo will take place on May 24 at the Frederik Meijer Gardens & Sculpture Park. (Courtesy, Frederik Meijer Gardens)

In many ways, a walk around the building and grounds of the Frederik Meijer Gardens & Sculpture Park is the perfect place for a bit of physical and mental health “me time” for local senior community members.

And what better time to visit than the return of the free-to-the-public West Michigan Senior Expo at Meijer Gardens on Wednesday, May 24, from 10 a.m. to 1 p.m. Registration to the expo also offers free admission to the Meijer Gardens indoor and outdoor art and gardens.

To pre-register for the event, visit here.

Local group attending focused on mental health

The range of senior — and senior caregiver — advocacy and service groups attending the Senior Expo is expected to include more than 50 Grand Rapids and West Michigan organizations that specialize assisted living, Alzheimer’s information, home care, Veterans benefits, mobility solutions, Medicare and much more.

More than 50 local and regional organizations will be present at the West Michigan Senior Expo at Meijer Gardens. (courtesy, Meijer Gardens)

For one local health-care organization, Pine Rest Christian Mental Health Services, attending the expo and serving the senior community is a calling as much as a business opportunity.

“We view the seniors who turn to us for care as our friends, our grandparents, and our neighbors because that’s who they are,” Matt Hiskes, spokesperson for Pine Rest. “We value and offer a full continuum of services for seniors because they are an essential part of the community that makes West Michigan great.”

Hiskes also stressed that mental health is as important as physical health for seniors.

“Individuals often face some of the most challenging aspects of life during their senior years: housing changes, loss of family members and friends, individual medical concerns, loss of mobility, and changing family dynamics,” Hiskes said. “These issues can be incredibly impactful on a person’s mental well-being, yet many individuals never seek the help they need.

“It’s important for seniors to know that help is available, that there is no shame in seeking mental health care, and that people can live better, longer lives when they focus on caring for their mental health.”

Health care screenings and a stroll through art, nature 

The “rain or shine” expo will be held in-doors and will offer a variety of free health screenings — not to mention hourly prize drawings, giveaways and complimentary refreshments.

 

Among the groups and businesses expected to attend are BP Realty, Baldwin House, Battle Creek VA Media Center, Boichot Insurance Agency, Care Resources PACE (GR), Center for Vein Restoration, Eden Home Care, Estate Planning Legal Services, Grand Brook Memory Care, Health Alliance Plan, Hearing Life, Life EMS Ambulance, Lincoln Square Senior Living Holiday by Atria (GR), McDonald Hearing Services, National Benefit Plans, Neptune Society, Sentinel Pointe Retirement Community, St. Ann’s Home, United Healthcare, and Victory Financial Insurance Agency.

After the event, attendees can enjoy the recently opened indoor exhibit of “Cristina Iglesias: Under and In Between”. Running through September, the exhibition surveys 20 years of work from one of Spain’s most renowned artists. The exhibit includes the artist’s “Pozo XI”, recently installed in the Tassell–Wisner–Bottrall English Perennial Garden as part of Meijer Garden’s permanent sculpture collection.

And if you haven’t been on the grounds lately, a somber but powerful stop should be Jerusalem-born artist Ariel Schlesinger’s “Ways to Say Goodbye” located in the Holocaust Memorial Garden.

Frederik Meijer Gardens & Sculpture Park is located at 1000 East Beltline Ave NE, Grand Rapids. For more information visit meijergardens.org 

Mission Point incorporates latest UV-C disinfection technology

3-bottom, Health, Senior Living

By Maggie Carey
WKTV Contributor

One of the Mission Point Healthcare facilities utilizing the new UV-C disinfection technology is HealthBridge Post-Acute Rehabilitation located in Wyoming. (Courtesy, Mission Point Healthcare Services)

Mission Point Healthcare Services, in partnership with R-Zero, has announced the use of UV-C disinfection technology across its 27 Michigan locations, which includes locations in Grandville, Cedar Springs, Wyoming and Grand Rapids. UV-C light comes from special lamps that generate wavelengths of light between 200nm (nanometers) and 280nm that help kill germs, bacteria, pathogens, and viruses. R-Zero systems utilize this UV-C technology to neutralize approximately 99.99% of airborne microorganisms that are harmful to humans.

This new technology, which includes nearly 300 R-Zero Beam and Vive devices to be installed for continuous disinfection, will help to protect approximately 5,350 residents and staff across Mission Point facilities.

 

Mission Point is a full-service healthcare service and management company that utilized funding for this technology from the Infection Control Grants made available by the Michigan Department of Health and Human Services (MDHHS). The MDHHS grants aim to support structural and operational improvements in skilled nursing facilities to help reduce the spread of infectious diseases across Michigan.

“The opportunity to deploy R-Zero’s proven air quality technology through a generous grant from MDHHS was a powerful combination for us,” said Mission Point COO Paul Pruitt.

Creating Healthy Environments

R-Zero is a global leader in creating healthy and green buildings with bio-safety technology. With the combination of UV-C light, space utilization sensor technology, artificial intelligence, machine learning, and IoT(internet of things)-connected hardware the company is able to create safe and sustainable environments without the use of chemicals.

R-Zero’s sustainable technology is currently being used across all of North America to protect millions of people in a multitude of environments including K-12 schools, college campuses, hospitals, parks and recreation centers, and government buildings/facilities.

 

“R-Zero is proud to partner with Mission Point Healthcare Services to drive forward their commitment to keeping residents and staff safe and living healthy and happy lives,” said R-Zero CEO Jennifer Nuckles.

This new UV-C disinfection technology will help support the safety and lives of those at Mission Point Healthcare Services and further Mission Point Healthcare’s steadfast commitment to protecting patients and staff.

To learn more about R-Zero and its mission, visit www.rzero.com. To learn more about Mission Point Healthcare Services, visit https://missionpointhealthcare.com/.

How to manage the transition into retirement

3-bottom, Citizen Journalism, Community Health, Finances, Senior Living, , ,

By Dave Stanley
Integrity Financial Service, LLC

Pxhere.com

Retirement can be a time of great joy and relaxation, but it can also be a time of stress and anxiety. Transitioning from working life to retirement can be challenging, and the loss of routine, identity, and social connections can be difficult to navigate. Moreover, retirement can bring new financial and health-related concerns, adding to many retirees’ stress.

One of the main sources of stress in retirement is financial uncertainty. Many retirees worry about whether they have saved enough money to support themselves in retirement and fear running out of money before the end of their lives. This fear can lead to anxiety and can make it difficult for retirees to enjoy their retirement years. Moreover, unexpected expenses, such as medical bills or home repairs, can further exacerbate financial stress and add to retirees’ worries.

Retirement can also bring changes to social connections, which can be stressful for many people. Retirees may miss their daily interactions with colleagues and feel disconnected from the workplace and the sense of purpose that work provides. Moreover, retirement can lead to changes in relationships with family and friends, as retirees may find that they have more time on their hands than their loved ones do.

In addition to these social and financial concerns, retirement can also be stressful from a health perspective. As people age, they may face new health challenges, such as chronic illness, that can impact their quality of life and add to their stress levels. Furthermore, retirement can lead to a more sedentary lifestyle, which can contribute to a decline in physical and mental health.

There are several strategies that retirees can use to manage stress and navigate the transition to retirement more smoothly. One of the most important is to maintain a sense of purpose and engagement in life. Retirees can find new hobbies or interests, volunteer, or take on part-time work to stay engaged and connected to others. This can help alleviate the sense of loss and disconnection that many retirees feel.

Another strategy is to stay socially connected. Retirees can stay in touch with former colleagues, join social clubs or groups, or participate in community activities to maintain a sense of connection and purpose. This can help prevent social isolation and loneliness, which can be detrimental to both physical and mental health.

Moreover, retirees can take steps to manage their financial concerns by creating a budget, working with a financial advisor, and exploring different retirement income sources, such as Social Security or annuities. This can help alleviate financial stress and provide a sense of security and stability.

Finally, retirees can take steps to maintain their physical and mental health by staying active, eating well, and seeking medical care when needed. Engaging in regular physical activity can help improve mood, reduce stress, and prevent or manage chronic illness.

In conclusion, retirement can be a time of stress and uncertainty, but there are strategies that retirees can use to manage these challenges and enjoy a fulfilling and healthy retirement. By maintaining a sense of purpose and engagement, staying socially connected, managing finances, and prioritizing physical and mental health, retirees can navigate the transition to retirement more smoothly and enjoy a fulfilling and rewarding retirement.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Care Resources promotes healthy independence for West Michigan seniors

3-bottom, Citizen Journalism, City of Kentwood, City of Wyoming, Senior Living

By D.A. Reed
WKTV Contributor

Everyone wants to age at home.

An activity area in one of the day centers operated by Care Resources. (WKTV/D.A. Reed)

“There is nothing like coming home, putting your key in the door, and opening it and smelling your smells and understanding where you are…and feeling comfortable. We all want that. We can help make that dream come true longer,”  said Veronica Horsley-Pettigrew, Community Outreach and Marketing Supervisor at Care Resources. 

A 2021 AARP Home and Community Preferences Survey showed that 77 percent of adults 50 and older want to remain in their homes for the long term, a number that AARP noted has been consistent for more than a decade.

As noted by the National Library of Medicine, culture plays a role in shaping individuals’ attitudes toward elder care. Asian cultures have emphasized family elder care at home and as a result, 50 years ago the Program of All Inclusive Care for the Elderly or PACE was created. 

In 1994, Michigan became one of the first pilot programs and today, the state has 14 PACE programs at 21 centers and nationwide, there are 273 sites in 32 states.

“We are committed to our participants,” Horsley-Pettigrew said. “We are an aging society, and we need to take care of each other.”

Growing Interest Creates a Growing Demand

The second PACE program to launch in the state of Michigan was Care Resources, which has been helping to keep West Michigan seniors out of nursing homes since 2006.

The “Four Seasons” art was created by staff and participants. It took almost two years and was made entirely of crayons. (WKTV/D.A. Reed)

A community-based program for people 55 years or older, Care Resources provides comprehensive care to the senior citizens of Kent County,  as well as portions of Allegan, Barry, Ionia, and Ottawa counties, while promoting healthy, independent living and helping prevent nursing home placement.

Care Resources has grown over the years. In 2018, to meet expansion needs, the organization renovated the former John Knox Presbyterian Church, 4150 Kalamazoo Ave. SW, with the express purpose of caring for the aging community of West Michigan.

“We are the glue,” said Tom Muszynski, chief operating officer of Care Resources. “Overall, we are their case managers. We always look to family first, because family generally wants to know what is going on and be a part of it, but if there is no family available, then we take that piece of it too.”

Since opening its Kalamazoo Avenue headquarters in 2019, Care Resources is looking to expand yet again, having almost doubled its service area in November 2021 due to an ever-increasing need for care of local senior citizens.

In 2022, Care Resources served 374 participants, provided 3,048 meals, distributed 702 activity bags, traveled 349,569 miles transporting participants, and totaled 36,554 home care hours for an average 46 months of participant care.

Interest in PACE programs continues to grow with some discussion of adding more programs in Michigan’s Northern Lower Peninsula and expanding into the Upper Peninsula, where there currently are no programs.

Locally, interest in Care Programs has increased with Muszynski stating there are plans to open a second location in Grand Rapids with Care Resources planning to seek federal and state approval at the end of June.

‘Bingo’ and More

Care Resources provides transportation with a fleet of 20 vehicles; an on-site physician, medical clinic, and 2,200 square-foot pharmacy; vision, dental, audiology, and foot care services; laundry and shower facilities; an extensive therapy gym; and grocery shopping services.

Also at its Kalamazoo Avenue location is a fully-staffed day center, which currently serves about 100 participants at various levels. There are various activities, such as stretching programs, classic car shows, and visiting animals along with two outdoor courtyards, a meditation room, and a walking trail.

“Our goal is to really treat people with dignity, but to also get them up and moving,” said Muszynski. “The building is specifically designed to be spread out, so they have to get up and move a little bit.”

The highlight, however, is Bingo.

“They can purchase items at our Bingo store,” Muszynski said as he opened a room lined with shelves and stacked to the brim with an assortment of items. “Fun items, as well as items they can’t get with their Michigan Bridge Card.”

Eligibility

Care Resources PACE eligibility requirements include being 55 or older, meeting the nursing facility level of care, being able to be safe in their home with PACE services at the time of enrollment, and qualifying for Medicaid according to PACE Medicaid requirements.

The Care Resources therapy room. (WKTV/D.A. Reed)

“When they first enroll in the program, they have to be deemed safe in the community with PACE services,” said Muszynski, adding he encourages people to think about when they might need PACE services and strive toward early identification. “PACE is not crisis intervention—there is a process to get into the program. With Medicaid, it could be 30 days or so because we can only enroll on the first of the month. Without Medicaid, it could potentially be a couple of months.”

Muszynski also said to remember that there are several factors that qualify people for skilled nursing, and that it is not always an extreme of going from a hospital to a bed-ridden state. It could include a myriad of things from forgetfulness to treatment such as feeding tubes or dialysis.

Horsley-Pettigrew agreed that having a medical assessment completed is vital before making long-term decisions on care. “It could simply be coordination of care and medication that is needed, and that person may not need to be put in a nursing home,” said Horsley-Pettigrew. “The coordination of care and the proper medication really keep away some of the seriousness of (issues) escalating.”

Continuing to Build Awareness

One of the benefits Muszynski said he has seen in Care Resource participants is a sense of belonging.

“They get involved in our program, and people who weren’t even getting dressed are now getting dressed and doing their hair because they are coming to see their friends,” he said. “It really allows them to get involved in the community and get out of the house.”

One of the the Care Resources’ vehicles. (WKTV./D.A. Reed)

Muszynski and Horsley-Pettigrew are continually meeting and working with state legislators to keep them educated on the benefits of PACE programs. In May of 2022, the PACE Association of Michigan (PAM) hosted its Day at the Capitol in Lansing, allowing PACE staff and participants to share their personal stories about how the program is impacting their lives.

“We’ve got some real champions in Lansing,” said Muszynski. “That’s part of (our) success in Michigan, is the support of the state. It’s phenomenal.”

 To find out more about the Care Resources PACE program, visit Care Resources PACE. Volunteer opportunity inquiries at Care Resources can be directed to Karen Altom at 616-913-2036 or karen.altom@careresources.org.


Flexibility and compassion for to serving as hospice nurse

3-bottom, Community Health, Senior Living

By Emmanuel Hospice

Left, Rachel Baxter, a registered nurse with Emmanuel Hospice, focuses her attention on the needs of patient June Winstanley. Working in hospice care, Baxter treats every patient like they’re her only one – making the most of every precious moment. (Couresty, Emmanuel Hospice)

A “typical day” in the life of a hospice nurse?

Well, that’s a tough one. Because arguably, it doesn’t exist.

Just ask Rachel Baxter, a registered nurse with Emmanuel Hospice, who is greeted every workday by a schedule that is anything but typical.

What every day does guarantee, however, is that as an ambassador for hospice, she will be challenged to provide top-notch care and treat every patient like they’re her only one.

“You learn to expect the unexpected,” says Baxter, a healthcare provider the better part of a decade. “Often, I make a plan first thing in the morning that looks great on paper, but with a single text or phone call, everything can change, which requires me to be flexible.

“It’s what you do when you’re trying to make every moment count for every patient to whom you’re providing care.”

Serving as a hospice nurse demands you remain nimble during the workday, looking for opportunities to tap into an array of services a hospice care provider like Emmanuel offers. When caring for patients, Emmanuel Hospice draws on a holistic approach that focuses on mind, body and spirit.

“I rely on a very talented team of providers,” Baxter says, taking her cues from other Emmanuel Hospice practitioners and therapists who specialize in areas from pain management to playing music to providing medical massages.

“We differentiate ourselves in that way,” she says. “It’s what sets us apart, and makes us especially capable of helping our clients along on their journey.”

The interdisciplinary team is all about collaboration and communication, sharing resources, skills and expertise to deliver care with compassion and ensure all needs are met.

“I put my absolute trust in judgment and knowledge of my co-workers,” she says. “We all see different things, and it’s vital we share that information because it’s in the best interest of the patient and that patient’s family.”

Working in hospice care, Rachel Baxter treats every patient like they’re her only one – making the most of every precious moment. (Couresty, Emmanuel Hospice)

This extends in varied ways especially when serving a patient in the privacy of their home, which can contrast markedly from treating someone in a facility.

“When you’re in someone’s home, it can begin to feel like your own,” Baxter says. “You might be there often with a spouse or other members of the family. You begin to see rhythms and patterns, and you adapt and adjust to those. You become acutely aware of the sights, sounds and other elements important to your patient.”

Baxter might see three patients in a workday or as many as six or seven. While she might serve anyone within Emmanuel Hospice’s service area, she primarily sees patients near the lakeshore before returning to her own home in Zeeland. She appreciates the flexibility of her schedule, which allows her to enjoy her surroundings and read or crochet during breaks.

While the care she provides can change from patient to patient, there is always one constant: “I’m focusing on every precious moment my patient has left. I want to be calm and confident, warm and reassuring. How do you feel? What can I do? How do you want to live?

“Living life to the fullest – no matter the time left – is what we’re all about.”

For more information about hospice care, visit EmmanuelHospice.org

Spotlight on Seniors Expo set for this month

3-bottom, City of Kentwood, Senior Living, Upcoming Events, , ,

By WKTV Staff
joanne@wktv.org

The City of Kentwood and Georgetown Seniors once again will be hosting the Spotlight on Seniors Expo, Tuesday, April 18.

The Spotlight on Seniors Expo returns to the Kentwood Activities Center April 18. (WKTV)

The 24th annual event, which will take place at the Kentwood Activities Center, 355 48th St. SE, is designed to connect the community with senior-focused resources. The free indoor event features more than 50 vendors from a variety of community businesses, free health screenings, door prizes, free lunch and more. 

“We’re fortunate to have many community resources focused on healthy living for all ages in and around Kentwood,” said Kentwood Recreation Program Coordinator Shelby Henshaw. “The Spotlight on Seniors Expo gives older adults and other community members an opportunity to come together to celebrate successful aging and learn more about available services.

 

“We’re grateful for our continued partnership with Georgetown Seniors on this community-favorite event, as well as our sponsors.”

Vendors represent a wide variety of industries, with professionals knowledgeable in everything from physical therapy and hearing services to recreational opportunities and retirement planning.

“Active, connected lifestyles are key for our seniors to lead happy, healthy lives,” said Pam Haverdink, director of the Georgetown Senior Center. “We are pleased to partner with Kentwood Seniors once again to host this successful event and are grateful to the vendors who help make it happen.”

The gold sponsors of the 24th annual Spotlight on Seniors Expo are HAP, Humana, Tim Hortons, The Oaks at Byron Center and We Care 4 U, LLC. United Healthcare is a silver sponsor.

Vendor space is available. Vendors interested in participating can fill out a vendor registration form online or contact Shelby Henshaw at 616-656-5323 or henshaws@kentwood.us.

Additional event information can be found at kentwood.us/SpotlightOnSeniors.

Understanding the options will help determine income payout

Citizen Journalism, Finances, How-To's, Non-Profits, Senior Living,

By Dave Stanley
Integrity Financial Service, LLC

(Pxhere.com)

Annuities are a great way to ensure your financial security in the long term. Annuities provide regular payments that can help you pay bills and cover other expenses while also helping protect against inflation and market downturns. Annuities are popular with many retirees as they offer a steady income stream that can last throughout retirement.

The question is, how much income does an annuity payout on average? 

The answer depends on several factors, including what type of annuity you purchase and the terms of the agreement. Annuities typically guarantee a fixed payment amount or can be variable, depending on the performance of certain investments or indexes. Annuities are also available with riders that increase the amount of income you receive.

If you’re purchasing a fixed annuity, the amount of income is predetermined by the terms of the agreement and is typically based on your age and the length of time over which payments will be received. Annuities with guaranteed payouts usually offer higher rates than variable annuities, which depend largely on investment performance. Annuity income may also be increased by adding riders like inflation protection or other options that guarantee additional payments.

Generally, an annuity can provide anywhere from several hundred dollars to several thousand dollars a month in retirement income, depending on the type of product purchased and any riders added. As with most investments, it’s essential to consider all of your options before purchasing an annuity to ensure you’re getting the best deal.

Maximizing your payout

In addition, there are several steps you can take to maximize your annuity income and get more out of your investment. Annuitants should review their policy details regularly, as rates may change over time. Annuitants should also consider adding riders to their policy if it suits their particular circumstances. These additional features may help increase the income received from an annuity. Annuitants may also increase the amount of money they receive by taking a lump sum distribution option or electing periodic payments.

Overall, as stated above, the average income from an annuity will depend on the type of product purchased, any added riders, and other factors. Annuity income may range from several hundred dollars to a few thousand dollars per month, depending on the type of annuity and any riders added. By reviewing policy details regularly and adding riders to their policy, annuitants may be able to increase the amount of money they receive from an annuity. Annuities are a great way to ensure your retirement financial security, so make sure you understand your options before investing.

If you’re considering an annuity as a part of your retirement income, it’s essential to understand your options. Contact an annuity expert to learn more about the different types of annuities and how they can help secure your financial future.


Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Making a financial plan for end of life

3-bottom, Finances, Local Business, Senior Living,

By Dave Stanley
Integrity Financial Service, LLC

(Pxhere.com)

In my line of work, I have the unfortunate job to deal with the passing of someone’s spouse, parent, or sibling. I see in these moments of grief I know how, if the details aren’t thought of ahead of time, the pain can be compounded with the frustration of trying to navigate through the messiness of financial matters not thought of ahead of time.

Recently, a friend died, her husband not only has to deal with the grief of losing his spouse, but also with all the details of their financial life.

It soon became evident that he did not know the details of their finances (he didn’t even know the password to the checking account). And because of this, I thought that I would take the time to share what I advise my clients to do regarding the preparation of what is inevitable.

I advise my clients to keep a list of all their accounts (checking, savings, CD, annuities, life, mutual funds, etc.) in their Safe Documents folder. In it along with names and phone numbers of their advisors for each of those accounts. For the checking, savings, CD’s, etc., those accounts should have a POD (Payable On Death), as well as having their passwords for those accounts given to someone they trust.

The reason I say giving the password to someone they trust you ask? What happens if the mortgage needs to be paid and yet the death certificate is not available yet? Even though the account may have the POD, until the death certificate is produced, only those on the account has authority to access the accounts to take care of any necessities.

When it comes to a spouse having to deal with the financial decisions; the grief can cloud their choices, and that is why having a plan written out and discussed with the family and the advisor can take away one less decision to make, since it has already been made. This is especially true when it comes to planning the funeral.

All the proper planning in the world will not be beneficial if the information cannot be found during the crucial days and weeks following the loss of a loved one, or not having a written-out plan and discussed with an unbiased advisor and attorney to help carry out those wishes. While the topic is maybe challenging to discuss, it is essential.

Here are some tips of things to have in your Safe Documents Folder.

  1. Will: If the deceased had a will, it outlines how their assets will be distributed and who will be in charge of carrying out their wishes.
  2. Trust documents: If the deceased had a trust, the trust document outlines how assets will be distributed and who will manage the trust.
  3. Life insurance policy: The policy outlines the benefits and who the beneficiaries are.
  4. Marriage certificate: If the deceased was married, the marriage certificate may be needed to prove their relationship with their spouse.
  5. Social Security card: The Social Security Administration will need to be notified of the death, and the deceased’s Social Security number will need to be included on certain forms.
  6. Military discharge papers: If the deceased served in the military, their discharge papers may

Being prepared is smart planning.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Area Agency on Aging of Western Michigan partners with GRCC for Senior Dental Day

3-bottom, Citizen Journalism, City of Kentwood, City of Wyoming, Community Health, Health, Senior Living, , ,

By Emily Armstrong
Area Agency on Aging of Western Michigan

Oral health is an integral component of overall wellness. Yet access to dental services can be a serious barrier for older adults to maintain their oral health. Each year the Area Agency on Aging of Western Michigan (AAAWM) partners with Grand Rapids Community College to host Senior Dental Day; an event that helps older adults in Kent County engage their oral health and find a new dental provider.

Last year, the event served 18 individuals, providing dental cleanings, x-rays, and exams conducted by GRCC dental program students. To qualify, seniors must be over 60 years of age and have not been to the dentist within the last 12 months. Held at Cook Academic Hall at GRCC’s downtown campus, the event will take place this year on Monday, March 20.

“We’re so thrilled to again offer the Senior Dental Day initiative. This is an event we look forward to each year and the partnership with Grand Rapids Community College gives us the chance to connect with high-risk seniors and connect them with services to support their health and independence,” shared Brandon Beck, Contract Administrator with the Area Agency on Aging of Western Michigan.

Locally, AAAWM supports oral health in a variety of ways. In Kent County, the Kent County Senior Millage (KCSM) network provides low-cost dental services to Kent County residents 60 years or older in partnership with Cherry Health and Exalta Health. AAAWM is also a member of the Kent County Oral Health Coalition, a group focused on advocacy and outreach in the West Michigan.

 

If you have any questions about this year’s event, you can reach out to Brandon at BrandonB@aaawm.org.  If you’re an older adult in Kent County seeking dental services, you can contact the Area Agency on Aging of Western Michigan at 616-456-5664 to be connected to resources.

Providing physical comfort in hospice requires attention to cues, team approach

3-bottom, Citizen Journalism, City of Kentwood, Community Health, Health, Senior Living

By Emmanuel Hospice

A combination of medical care and complementary therapies can be used to provide physical comfort in hospice. (Courtesy, Emmanuel Hospice)

Sometimes, it’s what the patient shares by simply speaking. But a hospice practitioner can also make inroads by what patients express with a turn of the hand, the way they’re sitting, a look on their face.

“In treating the body, we’re listening in a lot of different ways,” says Joan Blessings, a licensed massage therapist at Emmanuel Hospice based in Grand Rapids. “Sometimes, you can feel patients relax and, in that way, they’re communicating. And ultimately, that helps us help them live their best lives.”

Blessings has been a massage therapist some two decades, nearly half of those years in a hospice setting.

“At first, I really didn’t know if I wanted to do this,” she says, “because our patients pass away. But what I find joy in is giving them comfort. It can be a simple foot or hand massage, but that can create a huge difference for them.

“We believe our patients are more than just their diagnosis. So, we’ll make available all kinds of complementary therapies aimed at treating them in a truly holistic way.”

It’s remarkable, she continues, the way in which the body responds to music, to scents, to time with a pet – and of course, her specialty – massage.

At times, that can mean a light touch to someone experiencing generalized pain. In other cases, it might call for zeroing in on anything from facial muscles to the entire spine. The benefits can manifest themselves in increased mobility, reduced inflammation and more.

 

It takes time and practice to focus on the physical needs of each patient.

“Every patient is different,” she says. “When I go in for the first time, I am seeking to meet their expectations, and working hard to understand what those are.”

While she focuses on massage, she’s also paying attention to how else that patient might benefit from others on the care team. During the massage, they might talk about craving a spiritual connection. Perhaps they want to visit the beach or a flower garden. Another might want to sing or listen to hymns.

Blessings makes detailed notes of those desires into a digital logbook that everyone else attending to that patient can discover and then act on. A variety of complementary programs can be used alongside pharmaceutical approaches to provide physical comfort and support other health needs.

“We are so team-oriented,” Blessings says. “And everything we do is integrated on behalf of the patient, so they get everything they need from everyone with whom I work. It’s a very important part of their care program, and when a situation changes, we’re all aware of it.”

The rewards are many: “I served a woman the other day who said to me, ‘I’m 94-years-old, and I have never had a massage.’ I was able to smile and tell her, ‘Well, after I walk out that door, you won’t be able to say that anymore.’”

For more information, visit EmmanuelHospice.org/holistic-care.

Reviewing the modern-day insurance industry

3-bottom, Citizen Journalism, Finances, Senior Living, ,

By Dave Stanley
Integrity Financial Service, LLC

(Pxhere.com)

There is an old saying about life insurance: “you buy life insurance because you either owe someone or you love someone.”

The life insurance industry has changed, with the introduction of the internet, access to information has increase as well as the options to acquire it and manage it. For many people life insurance is just a commodity and frankly it is until….. until the insured dies. Then it becomes a lifeline to security, income and family continuation.

Working with a licensed and authorized insurance agent can help you decipher the insurance road.  Still many people want to look behind the hood for themselves.  If you are one of those people, here are some tips.

Shop around and compare quotes from multiple insurers. Different insurers may have different rates for the same coverage, so it’s important to compare quotes from multiple companies to find the best deal.

  1. Consider term life insurance. Term life insurance is generally less expensive than permanent life insurance, such as whole life or universal life. With term life insurance, you pay a premium for a specific period of time (the “term”), such as 10 or 20 years. If you pass away during the term, your beneficiaries will receive a death benefit. If you outlive the term, the policy will expire, and you will no longer be covered.
  2. But, term insurance is like renting, you only can keep it for a specific period of time. Permanent (whole life) insurance will protect you for your entire life.
  3. Consider your coverage needs. The amount of coverage you need will affect the cost of your policy. Determine how much coverage you need based on your financial goals and the needs of your beneficiaries, and choose a policy that provides the right amount of coverage at a price you can afford.
  4. Consider your health. Insurers will consider your health when determining the premium for your policy. If you have good health, you may be able to qualify for lower premiums.
  5. Consider your lifestyle. Insurers may consider factors such as your occupation, hobbies, and whether you smoke when determining the premium for your policy. If you have a high-risk occupation or engage in risky hobbies, you may pay more for life insurance. If you smoke, you may also pay more for life insurance.
  6. Considering working with an independent insurance agent. An independent insurance agent can help you compare quotes from multiple insurers and find a policy that fits your needs and budget.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

National organization hosts memorial for Flying Tiger Line Flight 739

3-bottom, Citizen Journalism, Senior Living, ,
The 60th anniversary memorial event that took place on 2022. (Wreath Across America)

Sixty-one years ago on March 16, 1962, Flying Tiger Line Flight 739 (FTLF 739) and its crew, departed on a secret mission sanctioned by the President John F. Kennedy, to fly to Vietnam. This secret Vietnam reconnaissance mission went missing with no trace of the plane or its passengers ever found. Onboard were 93 United States Army soldiers and 11 civilian crewmembers.

On Thursday, March 16, 2023, at 12pm ET, national nonprofit Wreaths Across America (WAA) will be holding a special live ceremony to remember all those lost that day and honor their families.

To watch this event live on Facebook, click here.

Very little is known about what happened to FTLF 739, its crew and passengers, and due to the circumstance surrounding this mission, the names of those lost have not yet been added to the Vietnam Veterans Memorial in Washington D.C. However, today many families and loved ones of these heroes still fight to have their loved ones recognized for their contributions to our freedom and shared history.

Of the 93 soldiers who were on the flight, two were from Michigan: Specialist James Taylor from Olive Branch and Private Stanley McEntee from Detroit.

Presently, the only monument that bears the names of these American heroes was erected by a private citizen, Wreaths Across America founder Morrill Worcester, on his balsam tip land in Columbia Falls, Maine.

https://commons.wikimedia.org/wiki/File:Lockheed_L-1049H_N6918C_FTL_LGW_29.08.64.jpg

“When I first heard the story about this mission, I was shocked to learn that nothing has been done for these families,” said Morrill Worcester. “I said that day, that we would do something to make sure these people are honored and remembered, and to hopefully give some closure to these families.”

The inscription on the FTLF 739 monument in Maine reads:

“Missing in action; Presumed dead. Flying Tiger Line Flight 739 went missing on March 16, 1962, with 93 U.S. Army soldiers on board. These men and their flight crew perished in what would become one of the biggest aviation mysteries out of the Vietnam War era.

“The names of those who gave their lives and who remain missing are inscribed here so the they will be said aloud and their memory will live on.”

Building sustainable streams of retirement income

3-bottom, Citizen Journalism, Finances, Senior Living,

By David Stanley
Integrity Financial Service, LLC

(Pxhere.com)

Our parents and grandparents both taught us that making mistakes was part of life.

Some mistakes are easier to recover from than others. But when it comes to money and time, the closer you are to retirement, the less time you have to recover from bad money moves. My advice is not to take any chances you can’t afford. As you near retirement, you’ll need to spend more time creating an investment approach that aligns each account to its specific goal for cash flow requirements during retirement. The worst times for your investment portfolio to take a hit are somewhere in the five years before and five years after you retire. Some have called this the red retirement zone. Lose money in this segment, and it will significantly impact how you spend and withdraw money throughout your retirement years.

Here’s a new retirement approach. It’s not about being rich; it’s about having the income needed to have peace of mind. We may never tire of discussing lessons from The Great Recession, which hit two groups especially hard–teens who saw their parents lose a home or job, and boomers who saw their savings depleted precisely at the wrong moment in life. So proper financial planning for retirement is crucial to your success. Boomers need to learn that they are leaving the accumulation phase of their life and now will be focusing on asset protection, sustainable income, and distribution of their assets over the next 30+ years.

Many people are in this category express extreme insecurity regarding the reality of ever retiring and having a sufficient income stream during their retirement years. So what can Worry-Free retirement income solutions offer you? Our planning provides a retirement income trifecta.

First is a guaranteed sustainable way to maintain income in retirement.

Second, are potentially higher income payments than you can achieve anywhere else.

A third is a reduction of some of the market risk from your overall portfolio before and during the years of your retirement when you can’t afford to endure the consequences of a market downturn. It may be true that money can’t buy you love, but it can buy happiness in retirement, as sufficient amounts of guaranteed income equal a happy retirement.

Planning with certainty is the new strategy for retirement income. For nearly two decades, financial advisors subscribed to the notion that their clients could spend 4% annually of their accumulated savings in retirement and not run out of money. No more. Between market volatility, inflation, volatile interest rates and an uncertain economy, advisors are questioning the traditional approaches to retirement income. Of course, what you consider an uncertain economic environment depends on who is reporting the news and what day it is. But it doesn’t matter if you’re properly planned.

Simply put, today’s retirement portfolios demand a smarter balance of growth and safety to effectively achieve a stream of lifetime income. The good news is that the answers to the challenge are emerging in the form of improved strategies that promise to generate more income at less cost and with less market risk.

Don’t be like Scarlet O’Hara, who said, “I can’t think of that right now. If I do, I go crazy. I’ll think about it tomorrow.”

It would be best if you thought about it today.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Making oral healthcare accessible to all seniors

3-bottom, Citizen Journalism, Community Health, Health, Kent County, Senior Living

By Brandon Beck
Contract Administrator
Area Agency on Aging of Western Michigan

When a person retires, they may lose their dental insurance making it difficult to keep up on oral health care. (Pxhere.com)

Oral Health is an integral component of overall health. Diseases of the mouth are closely linked to other serious health conditions in the body. Yet access to dental services can be a serious barrier for older adults to maintain their oral health. Dental coverage is a benefit often linked to an employer, so coverage can change significantly after retiring. Advocacy at the national, state, and local levels are working to reform oral health and increase access for older adults.

Locally, the Area Agency on Aging of Western Michigan (AAAWM) supports oral health in a variety of ways. In Kent county, the Kent County Senior Millage (KCSM) network provides low-cost dental services to Kent County residents 60 years or older in partnership with Cherry Health and Exalta Health. AAAWM is also a member of the Kent County Oral Health Coalition, a group focused on advocacy and outreach in the West Michigan. Each year, AAAWM partners with Grand Rapids Community College to host Senior Dental Day; an event that helps older adults engage their oral health and find a new dental provider. For more information on Senior Dental Day 2023, taking place on March 20, email brandonb@aaawm.org

Within the rest of the AAAWM region, made up of nine counties: Allegan, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Newaygo, and Osceola the recently created Oral Health Plan applies. At the state level, Michigan has created the 2025 Michigan State Oral Health Plan that consists of three goals to improve the oral health of Michigan residents. Each goal is supported by implementation strategies and activities for healthcare providers and advocates to utilize. The three goals are as follows:

  1. Michiganders understand the value of daily oral health care and preventative dental care and have the tools to care for their mouth every day.
  2. Michigan citizens, dental professionals, and medical providers understand the connection between oral health and overall health.
  3. Michiganders have access to preventative and restorative oral health care because the state has developed the necessary infrastructure to effectively serve everyone.

Nationally, the 2021 report Oral Health in America by The National Institute of Dental and Craniofacial Research (NIDCR) calls for a policy that mandates dental coverage in Medicare, stating it would reduce health inequities by assuring older adults have access to preventative and other oral health services. Most individuals lose their employee provided dental insurance after retirement, putting their oral health at risk. Additionally, adults are living longer than ever before, increasing their risk for chronic health conditions. Accessing dental services can be especially challenging for older adults who are disabled, homebound, or cognitively impaired as services cannot be provided in the home. 

There is much work to be done in oral healthcare reform, and there are numerous ways you can show your support and advocate for these important issues. For more information about local efforts, visit the Kent County Oral Health Coalition’s website or follow them on Facebook. For more information about oral health advocacy in our region, contact AAAWM Advocacy Coordinator Sherri Harris at sherrih@aaawm.org

Upcoming Lenger’s Video Series program features popular video by Sid Lenger

3-bottom, City of Wyoming, Recreation, Senior Living, ,

By WKTV Staff
joanne@wktv.org

Sid Lenger

The Wednesday’s Mr. Sid’s Video Series will feature an original video by Sid and Beulah Lenger.

The video is “America Then,” which will be followed by a presentation by Mike Martin on “Presidents We Need to Especially Remember in 2023.”

Mr. Sid’s Video Series is Wednesday, Feb. 15, at 2 p.m. at Marge’s Donut Den, 1751 28th St. SW. There is a 15-minute hymn sing that starts at 1:45 p.m.

The program is hosted by friends of Sid Lenger, who was a Wyoming residents and World War II veteran. Lenger died in 2003 at the age of 100.

The series runs every third Wednesday of the month. Upcoming presentations are:

March 15: WOTV’s Terri DeBoer will lead discussions of her new book “Grieving Well: A Healing Journey Through the Seasons of Grief”

April 19: Will feature several immigrants sharing their stories of hopes and challenges and adjusting to a new world.

May 10: Grand Valley State University History Professor and Director of GVSU’s Veteran History Project James Smither will present “Death and Life in the Big Red One: A Soldiers Journey from North Africa to Germany.”

To Listen is to Learn is to Nurture the Spirit

3-bottom, Community Health, Health, Senior Living

By Emmanuel Hospice

Spiritual caregivers provide a caring listening ear for hospice patients and their loved ones as unique questions and experiences arise during life’s final journey, helping them find peace. Pictured are Spiritual Caregiver David Veldt with former patient Richard Murley. (Courtesy of Emmanuel Hospice)

There are a lot of ways to define and discuss the ways in which a hospice professional might nurture a patient’s spirit.

For the Rev. Madelyn Thompson, a spiritual caregiver at Emmanuel Hospice, it doesn’t lean much on credentials she might bring to the bedside. Instead, it relies on her ability to listen, learn and be actively present.

“One of my favorite spiritual influences,” says Thompson, “is Henri Nouwen, who said, ‘The friend who can be silent with us in a moment of despair or confusion, who can stay with us in an hour of grief and bereavement, who can tolerate not knowing…not healing, not curing…that is a friend who cares.’

“Generally speaking, being spiritual is being in a relationship – with yourself, with other people, with nature, with your pets, with creation,” Thompson says. “What I’ve discovered is that patients can be most distressed at life’s end with regrets or unforgiveness, wishing they’ve done something differently. I might not be able to fix things, but maybe I can help them be at peace with themselves. That’s nurturing the spirit.”

Although Thompson has an advanced degree and plenty of experience, she prefers to focus on how she’s still observing and absorbing.

“I don’t have a plan when I walk through a door,” she acknowledges. “I have to rely on something other-worldly, something other than myself.”

Over the course of some 20 years working in hospice care, Thompson has become increasingly aware of how the spirit is much more powerful than any words she might bring to a patient and their family.

She’s also been struck by how an awkward moment can be placated in the most beautiful and bittersweet ways. Many years ago, flustered at not being able to reconcile all the people in a room paying their final respects to a dying woman, a 5-year-old great-grandson burst in, flung himself on the patient’s bed and said, “I will love you forever, grandma,” then kissed her and disappeared.

“The whole countenance of the room started to change,” says Thompson, who believes that moment – and so many others she’s witnessed – was rendered by the divine.

She’s quick to admit how “that’s not always the lovely case,” but more times than not, if you’re patient, “some redemption can occur.”

Thompson has worked for other hospices, and emphasizes, “Every hospice shares some components, but you can tell which ones go above and beyond, who extend complementary therapies, who continue to offer a hand and an ear to loved ones even weeks and months after a loved one has passed.”

She says the best hospices attend to the whole person, including their spirituality. “And that involves listening to their life story, to their experiences, allowing them to guide us into how we can help them, rather than walking in and saying, ‘I know how to help you.’”

As an interfaith organization, Emmanuel Hospice meets the spiritual needs of all individuals, guiding patients and their loved ones in finding solace and strength through a peaceful life transition.

Over the years, Thompson says she’s discovered “we all express ourselves and our spirituality in different, creative ways.”

She notes the more she exposes herself to opportunities for more learning, the better she’ll be prepared to nurture that spiritual side.

“I like to assume we’re all interconnected and interested in one another’s stories,” she says. “I find solace in building on that base of love and understanding.”

For more information, visit EmmanuelHospice.org/holistic-care.

The ins and outs of a living trust

3-bottom, Finances, Senior Living

By Dave Stanley
Integrity Financial Service, LLC

Pxhere.com

“A living trust…is more flexible and more private than a will. It affords you, your assets, and your heirs greater protections should you become incapacitated.”- Consumer Reports

Most people understand that a will is an estate management document that takes effect after a person dies.

However, there is also a way to administer your estate and ensure your wishes are followed. A living trust is a fund set up while you are alive to help you plan your estate more efficiently and privately.

A living trust is a legal vehicle used to pass on the assets of an estate, such as property, investments, collectibles, and other assets. It is sometimes chosen by people who want to help their heirs avoid a lengthy and expensive probate process or fear they may become incapacitated later in life.

A living trust provides clear instructions about dividing assets once the original owner passes away.

You can fund a trust using several sources, including:

· Cash and bank accounts

· Real estate

· Insurance

· Intellectual property, including patents, copyrights, and trademarks

Formation of a living trust involves the owner of the assets, called the “grantor,” removing his or her name from ownership. Then, the assets are placed into the trust’s name. This process is known as funding the trust.

Once funding occurs, the grantor designates a “trustee,” charged with ensuring that all the trust provisions execute correctly. A trustee must be carefully selected and could be a relative or close associate of the grantor, or even a reputable third party such as a lawyer, banker, or accountant.

Establishing a trust fund enables the grantor to leave an inheritance to their heirs, also called “beneficiaries.” The grantor can even place specific conditions on receiving trust items.

Living trusts come in two different versions: revocable and irrevocable. Revocable trusts tend to be the least complex and most common type. Revocable trusts offer flexibility in that they can be changed or canceled by a grantor.

Advantages of a Living Trust

  • All living trusts offer some unique estate management advantages.
  • These include:
  • Increased privacy. 
  • Unlike wills, living trusts are not public documents. The public cannot get copies of a living trust without permission from the trustee. 
  • Shorter, less expensive probate. With a trust, the trustee can take care of end-of-life issues, like dealing with creditors, more efficiently. The trustee can act immediately, without the need to wait for a probate judge to decide.

The Downsides of a Living Trust

Before deciding to set up a trust, you should recognize that there are potential downsides.

Trusts can be costly: Depending on your circumstances and your goals for a trust, it can be expensive to set up. Some people attempt to set up trusts themselves, using forms or an online platform to avoid this.

You must participate in the process: When a grantor establishes a trust, he or she has the sometimes tedious job of retitling assets. Failing to retitle assets means the trust will not perform to expectations.

 Whatever you decide, always use an authorized attorney to prepare your trust.  Never use an insurance agent who claims to be working with an attorney; these can be more costly and are frowned upon by the legal community.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Where can you find the money to build a safe, predictable retirement?

3-bottom, Citizen Journalism, Finances, Senior Living

By Dave Stanley
Integrity Financial Service, LLC

Pxhere.com

You are likely to be retired much longer than you think.

For how long do you think you will live? Do you believe you’ll live into your late 70s? Are you confident you’ll follow in the path of your parents, who were alive and well into their mid to late 80s?

The average joint life expectancy (men and women together) is approximately 90 years for over 49% of the population. A full 20% of Americans live to age 95!

Depending on your unique perspective, that’s either good or bad. It’s good because many people want to live for as long as possible, provided they are in decent physical and mental health. However, a long life can be bad news when it puts you at risk of outliving your money in retirement.

Something else to consider is that these numbers are AVERAGES. More people are hitting triple digits, and you could very well be one of them. There are tons of exceptions to the rule, especially if you are the beneficiary of excellent genes, have made an effort to stay fit and healthy, and have managed stress properly.

Longevity is a possibility. This is why creating a portfolio to help you maintain your current standard of living in 30-plus years of retirement is challenging. Having less money in retirement is a concern for retirees and pre-retirees. Nearly all seniors know someone who has beaten the odds and lived longer than they planned.

Many retirees and pre-retirees had had someone in their own families who went through hardship and deprivation because they ran out of many at a time when they needed it the most.

The logical solution to not having enough money for retirement is to start earlier and save more. That’s not always easy to do, however. Many people are barely making ends meet and don’t have much discretionary money to create retirement income. You may fall into that category and worry that you don’t have any money to build a retirement account.

How do you find money to finance a retirement plan?

Developing a saving and income-planning mindset is valuable at any age.

Understandably, you might have a tight budget due to where you are in your career track. Or, you might have family, medical, or debt issues that make saving a tough proposition.

Fortunately, there are some ways you can free up cash or find the money you never knew you had to fund a retirement plan. Here are three things you can do right now to free up money for retirement.

1. Debt restructuring. Look at all your debt, including student loans and consumer debt. Perhaps you can negotiate lower rates or pay the debt off more slowly.

2. IRA or 401(k) Ask your financial expert and tax advisor to see if you might qualify to pull money out of your qualified plan without a penalty. If you qualify, you can use that cash to purchase investments that give you higher interest rates. This option is available under rule 72(t) for certain individuals who are younger than 59½.

3. Live a simpler lifestyle. Making your car, major appliances, and other big-ticket items last longer can add up to thousands of dollars you can use to fund your post-career life.

 

No matter your current financial situation, you can and should set aside money for a time when you will no longer get a paycheck. Starting early and being consistent, along with small lifestyle changes, will help you avoid common mistakes and achieve a better retirement lifestyle.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Community Transition Services help seniors

3-bottom, Senior Living, West Michigan,

By Emily Armstrong
Area Agency on Aging of Western Michigan

the Community Transition Services help seniors return to their community and home. (Pxhere.com)

Many of us take the time spent with family during the holiday season as a given. Houses full of laughter, home-cooked meals, family games, stories, and general merriment. The traditions we have may change over the years, but the setting is often the same…home.

However, as we get older, it could become harder to stay living at home. The independence we once had may wane, and, in some cases, older adults could find themselves in a long-term facility setting. For four years, Darlene, 61, was in a facility due to a cancer diagnosis and ongoing health-related issues. For some, a facility is a great fit for their care needs, but Darlene dreamed of returning home, though she never thought it would happen. After small improvements in her health, she stated, “I put my heart and soul into getting well!”

Once she built up her strength, Darlene faced an overwhelming task, how to return to the community while still meeting her care needs. This is where the Community Transition Services (CTS) program through the Area Agency on Aging of Western Michigan came in. Melissa, the social worker at Darlene’s facility, connected her to the program, which assists those wanting to return to the community by securing housing, setting up groceries and other household goods, and coordinating referrals for in-home services such as MI Choice Waiver, Care Management, and others.

 

With the help of the CTS program, Darlene is now home for the holidays in HER new apartment near her son and his family! She summed up her experience with the CTS team by saying, “It was a seamless transition! I felt comfortable putting all the loose ends in their hands!” Darlene is now enjoying her first holiday season at home with her family in five years.

The Area Agency on Aging of Western Michigan (AAAWM) serves a nine-county region that includes Allegan, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Newaygo, and Osceola counties. In addition to the nine counties above, the Community Transitions Services program is also newly available in Oceana, Muskegon, and Ottawa counties. (Please note this is specific to the CTS program only and does not include other AAAWM programs). For someone to qualify for the CTS program, they must:

  • Reside in a facility
  • Currently on, or eligible for, Medicaid
  • Desire to return home or secure other housing (i.e., apartment or assisted living)
  • Has a barrier to discharging safely from a facility in one of the twelve CTS counties

To learn more and request an assessment, you can call the Area Agency on Aging of Western Michigan at 888-456-5664. As a local contact agency, AAAWM can also meet with those residing in a facility who indicate an interest in learning about community resources. Darlene practices staying in a state of gratitude in her new home near her son and grandchildren, “I’m so thankful for everyone who participated in helping me find a home near family. I remember the day my son came and got me…I cried the whole way! Thank you, everyone!” We are so thrilled that the Community Transition Services program was able to assist Darlene in her transition and that she is home for the holidays!

Acknowledging a complex mind is integral to caring for the whole person

3-bottom, Senior Living,

By Emmanuel Hospice

The human body’s most complex organ?

A range of activities, including counseling, journaling, massage therapy and more, can be offered to hospice patients and their loved ones to help put the mind at ease. Pictured are Joan Blessings, a licensed massage therapist and member of Emmanuel Hospice’s complementary therapy team, with patient Virginia “Ginny” Gengle. (Courtesy, Emmanuel Hospice)

The brain, teeming with some 86 billion neurons, all of which are in use and communicating with other neurons to form circuits and share information along myriad pathways.

That is exactly why healthcare providers like Emmanuel Hospice pay special attention not only to a patient’s physical needs, but to the mind – a growing trend among medical professionals in general, who are embracing this holistic approach more than ever before.

“The traditional medical mindset has been to focus in on what is going on with the body,” notes Lauren Enos, a social worker at Emmanuel Hospice who has been a healthcare worker 16 years. “What we’re learning, though, is that things occurring medically can be the result of external stressors and events. When we pay attention to that as well, we gain a more accurate picture of causes and circumstances surrounding what a patient is going through.”

Because providing comfort is a primary goal of hospice programs, it’s important to know a patient’s history so that they can receive the best care possible.

“A person’s life is steeped in history, culture and habit,” Enos says. “They’re a product of the people who came before them, and it can inform their qualities and characteristics – anything from education to spending habits to relationships.”

Learning about how a person thinks and acts – especially in a singular situation like dying – can help caregivers approach that patient and their friends and family in more sensitive ways.

“Each patient could be someone who perhaps is carrying five generations of history with any particular issue,” Enos says. “It’s important we know as much as we can.”

As a social worker, Enos says it’s especially important to be an active listener. The rewards will manifest themselves in the patient’s story, which will provide cues as to what they’re thinking and why they react the way they do. They will also serve as a springboard for developing strategies to effectively navigate end-of-life needs.

“We want to decrease the patient’s tension, and maybe that’s achievable in having someone play music for them and sing hymns,” Enos says. “Maybe it’s through massage therapy or acupuncture or just practicing deep breathing.”

At Emmanuel Hospice, a full slate of complementary therapies is available to patients and their families, including journaling, which can take multiple forms. While some patients make daily diary-like entries, others might simply write a letter or two that helps them internalize feelings that are tough to verbally express.

Another program offered is Art Legacy, which gives patients the opportunity to create and leave behind legacy artwork for their loved ones. Patients can use anything from crayon to watercolor paint, fabrics and more for self-expression.

“All of these activities allow the mind to relax and let creative energy flow,” Enos says. “It can bring emotions to the front.

“Supporting our patients’ minds culminates in some very powerful moments. It begins with having a respect for the entire person and all the systems they might be in – home environment, community, school, family origins. It’s a privilege to be part of a team which honors that process.”

How do annuities work?

3-bottom, Finances, Senior Living

By Dave Stanely
Integrity Financial Services, LLC

Pxhere.com

Annuities are financial products that provide a guaranteed income stream in exchange for a lump sum payment or series of payments. There are several different types of annuities, including fixed, variable, and indexed, each with its own features and benefits.

 

Here is an overview of how annuities work:

 

  1. An individual enters into a contract with an insurance company to purchase an annuity. 
  2. The individual makes a lump sum payment or a series of payments to the insurance company. 
  3. The insurance company invests the payments and earns a return on the investment. 
  4. The individual can choose to receive the income from the annuity in a number of ways, such as: 
    1. A fixed amount each month, quarter, or year 
    1. A variable amount that depends on the performance of the underlying investments 
    1. A combination of the two 
  5. The income payments from the annuity are guaranteed for a specified period of time or for the remainder of the individual’s life.

One common type of annuity is a fixed annuity, which provides a guaranteed rate of return and a guaranteed income stream for a specified period of time. The income stream can be received all at once in a lump sum, or it can be received in installments over a period of time.

Before making a purchase, it is important to carefully review the terms of the annuity contract, including the fees, surrender charges, and any restrictions on withdrawing funds.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management

County’s Swap Shop gives second life to household products

3-bottom, City of Kentwood, City of Wyoming, How-To's, Senior Living

By Adam Brown
WKTV Contributor

Items in the Swap Shop inventory constantly change. (Courtesy, Kent County)

Have you ever looked in a closet or storage area and found old household products you no longer use?

For many, that answer is likely yes. We may keep these old, unusable household products around simply because we do not know how to dispose of them. That’s where the “Swap Shop” operated by the Kent County Department of Public Works (KCDPW) comes in.

Since opening in January 2022, the Swap Shop has offered a collection of gently used household products. Residents may drop off products they no longer need at the KCDPW’s satellite sites that utilize Kent County’s SafeChem free disposal program. Resource recovery specialists inspect the items and transport them to the Swap Shop, where they are available to the public for free.

 

The Swap Shop asks residents who take products to sign a reuse waiver and return unused products to a SafeChem satellite site. This combination of easy disposal and free pickup and collection likely made the Swap Shop a hit in the local community.

What is the Swap Shop?

Located at 1045 Wealthy St. SW, the Swap Shop holds an ever-changing inventory of household cleaners, automotive supplies, and lawn products available to anyone who may need them.

 

“Instead of sending gently used products for disposal, we reclaim them and add them to our Swap Shop inventory,” said Jonathan Neracher, a resource revery specialist at the department, as he outlined the central mission of the Swap Shop. “The Swap Shop is a community resource where people who may not be able to buy these products, or are really committed to reusing them, can pick up and use them in their households. The bottom line: we’d rather see these products be used than end up anywhere else.”

Neracher added that the Kent County Department of Public Works team is aware of the cost saving opportunity that something like the SwapShop would provide as well as being huge fans of reusing items that are still in good condition.

What type of products are available at the Swap Shop?

Though the Swap Shop inventory constantly changes, the most common products include:

• Automotive supplies (brake fluid, oil, car wash supplies)

• Household items (drain cleaner, spray paint, stains, varnishes, thinners, adhesives)

• Lawn and garden care products (weed killer, pool supplies, and insect repellent)

• Personal care products (soaps, nail polish, shampoo)

Each month, the Swap Shop adds nearly 1,000 pounds of product to its inventory, recently including more than 160 full or almost full propane cylinders. 

Impact on the community

Neracher attributes the Swap Shop’s success and extensive inventory to one factor: the fact that it is free.

“I have yet to meet a resident who didn’t like the idea of free stuff,” he said. “Some of our customers are retirees looking for a productive low cost project to work on, others are new homeowners that need to put some TLC into their new home. We’ve had teachers looking for supplies for class projects and artists looking to create using waste.”

The accessibility of free household products at the Swap Shop allows residents to avoid a costly trip to the store for the same or similar items. They can also try out different products without needing to pay for them. If the consumer does not need the product they try, they can simply return it to the Swap Shop. 

Why the Swap Shop matters in today’s world

Recycling and reusing have become more critical than ever due to the rising environmental impacts of human activities.

“The SwapShop, SafeChem Program and Sustainable Business Park shows the county’s dedication to reducing waste and providing a more sustainable framework for the world we want to live in,” Neracher said. “When you Swap at the Swap Shop you [are] not only saving money for the county and yourself, but that is one less bag of fertilizer that needs to be produced, one less bottle [of] drain cleaner being taken off the shelves, one less propane tank going into circulation, one less quart of motor oil being refined.”

With global inflation rates impacting nearly all consumer goods, the Swap Shop’s model of free products makes it a rare commodity in today’s market. That model of “free” will keep the Swap Shop as an integral part of the Grand Rapids community for years to come.

In the cities of Wyoming and Kentwood, there are two SafeChem satellite sites. The City of Wyoming Clean Water Plant, 2350 Ivanrest SW, Grandville, and the City of Kentwood Public Works Facility, 5068 Breton Rd. SE. For more information about the KCDPW’s SafeChem satellite sites and a list of products they accept, click here.

How to stay active during the winter

3-bottom, Citizen Journalism, Community Health, Health, Senior Living, ,

Emily Armstrong
Area Agency of Aging Western Michigan

When it comes to house repairs, don’t be afraid to ask a friend or family member to help. (Pxhere.com)

Fall is in full swing and with that comes cooler weather. As the seasons change, you are more inclined to stay indoors and pass on events you used to enjoy in the warmer months–it happens to the best of us. Yet this lack of socialization, movement, and engagement in the winter can have a negative impact on your health and well-being. Winter can be an especially difficult season for older adults. You may not have the means to drive or keep up with home maintenance and repairs, and you could start feeling a bit defeated during this time. Trying to combat these things can be overwhelming, but just because you aren’t able to get out as much doesn’t mean there aren’t a variety of things you can do to have a winter of wellness.

Here are just a few tips:

Take advantage of open enrollment. Now is a good time to review your healthcare needs. Medicare/Medicaid Open Enrollment is underway, and you can make changes to your plan through Dec. 7. The Michigan Medicare/Medicaid Assistance Program can be a great support in navigating this, offering unbiased help at 1-800-803-7174.

Catch a ride. Several transportation resources are available specifically for older adults, and it is great to be able to take advantage of these in winter months when there is inclement weather. In Kent County, RideLink provides seniors 60+ with affordable rides throughout the county.

You can learn more about RideLink at https://www.aaawm.org/ridelink, or feel free to call 616-774-1288 to schedule a ride. If you are outside Kent County, the Area Agency on Aging of Western Michigan can connect you to other transportation resources in our nine-county region.

Move your body. An important aspect of aging well is prioritizing both your physical and emotional health. Many community options are available to meet individuals where they are, including the newly renamed Engaging Wellness. All Engaging Wellness programs are designed specifically for older adults, offering evidence-based classes that are safe and effective. Community partners within the nine-county network are dedicated to helping seniors stay active and independent, bringing a holistic, full-circle approach to aging with education on nutrition, diabetes prevention, and fitness classes.

Use your resources. It can be tough to keep up with the maintenance of your home in the winter. When this happens, don’t be afraid to ask for help. A family member or friend was probably always willing but perhaps unsure of what help you need. Or if this isn’t an option, through the Area Agency on Aging of Western Michigan, a number of home chores and repair services are available from yard cleanup, snow removal, lawn mowing, and minor home maintenance.

Connect to your community. Whether it is joining a senior center, a book club at your local library or volunteering for a cause that matters, being involved can help your mood immensely. You get a healthy dose of regular socialization with others, and when you join a group initiative, you are more likely to stick to it as other people can help keep you accountable.

So, what’s your next step? Reach out to us at the Area Agency on Aging of Western Michigan; it is a knowledge hub for services available to seniors. Often we will offer information on local senior centers to join, available exercise programming, and home and transportation resources to help you maintain your independence over the more challenging winter months and throughout the year. Visit www.aaawm.org/services or call 616-456-5664 to get started.

Coping with grief during the holidays

3-bottom, Citizen Journalism, Community Health, Kent County, Senior Living,

By Emmanuel Hospice

Emmanuel Hospice’s grief support services are open to anyone in the community on a grief journey regardless of whether they have a prior connection with the nonprofit organization or hospice care. (Emmanuel Hospice/Adobe Stock)

It can be hard handling the holidays – especially if you’re trying to process grief that accompanies the loss of a loved one.

But there are ways to make it through this season.

That’s not to say there’s a magic wand available to make your sadness vanish. But strategies and coping mechanisms do exist that can be put into place to make the holidays a little less stressful, even though you’re recovering from a loss.

“One of the first things to realize is that grief is a continuum,” says Ashley Huisman, bereavement coordinator for Emmanuel Hospice. “So, while one person might react very stoically and without a lot of tears, another might be extremely emotional.

“The important thing is not to judge; we don’t know what anyone is dealing with internally in that moment.”

Another thing to consider, says Huisman, is that not everyone processes grief according to the so-called five stages of grief: denial, anger, bargaining, despair and acceptance.

“Grief isn’t a standard, cookie-cutter type of thing,” she says, noting it’s just as common to bounce between these stages or even skip one as it is to follow them in a linear way.

Huisman offers the following tips on how to cope with grief at the holidays:

  • Manage expectations. Just because you’ve always been relied upon to bake that fancy dessert, the grief you’re feeling might compel you to pass this year. Even at the risk of thinking you’re letting someone down, take care of yourself first. “Pick out the tasks or customs,” says Huisman, “that have the most meaning for you.”
  • Make time for yourself. “Take a nap,” says Huisman. “Listen to music. Try to be reflective. Or even try to not remember for a while what you’re dealing with. The important thing is to check in with yourself and be sure you’re getting what you need.”
  • Give to get. When grief overwhelms, make a conscious effort to support others. It can help you create perspective and focus on another’s needs. Says Huisman, “It’s giving your heart a break.”
  • Memorialize your loss. Create a special ornament that honors the person gone. Continue to hang a stocking in their name, and slip a note inside telling them the ways they’re missed. Light a candle. Write a poem. Buy a gift they would have loved and donate it in their name to a cause. 
  • Reach out for help. Emmanuel Hospice, for example, offers workshops and support groups to help anyone in the community manage grief, regardless of whether they have a prior connection with the nonprofit organization or hospice care.

The nonprofit is offering free “Handling the Holidays” grief support sessions at various locations in the greater Grand Rapids area:

  • Monday, Dec. 5 from 1-2 p.m.
  • Wednesday, Dec. 14 from 2-3 p.m. 
  • Monday, Dec. 19 from 10-11 a.m. 
  • Wednesday, Dec. 21 from 10-11 a.m.

     

Those interested in joining are asked to contact Emmanuel Hospice if they plan to attend and get more information at 616-719-0919 or EHBereavement@emmanuelhospice.org. RSVPs are welcome up until the day of the event.

In addition to leading support groups, Emmanuel Hospice provides support through counseling, education and referrals to community resources to help individuals cope with all stages of grief before, during and even after the holidays. More information is available at EmmanuelHospice.org/grief-support.

Though it sounds simplistic, Huisman encourages people grieving through the holidays to “take them one day at a time. Try not to be anxious.

“Most of all,” she says, “look for things that will give you comfort. And let the rest be.”

Worried about interest rate volatility? “Ladder up!”

3-bottom, Citizen Journalism, Finances, Local Business, Senior Living, , ,

By Dave Stanley
Integrity Financial Services, LLC

Image from Pxhere.com

If you are like many pre-retirees or retirees, you may be hesitant to purchase annuities because you worry you will enter the market at the wrong time and won’t maximize your returns. An increasingly popular technique known as “annuity laddering” may help guard against this situation and make the transition to annuities much easier and less stressful for you.

Building an annuity ladder means that you purchase a series of annuities over time instead of dumping a lump sum into one annuity that locks you into one rate. With a ladder, you split your premium across multiple smaller annuities. For instance, maybe you decide to buy one annuity every two years for the next ten years. Or you buy one annuity per year for the next five years.

The annuity ladder strategy has several advantages

The first advantage is that you don’t have all your eggs in one basket. By diversifying your annuities, you are less susceptible to the fluctuations of the market.

The second advantage is that you can take advantage of changes in interest rates. When interest rates rise, you can purchase annuities that have not yet been affected by the market change.

The third advantage is that you can ladder annuities with different payouts. For example, you could buy an annuity with a term period of 5 years, the next year buy another 5-year term period, and up the ladder, you go. When you use the annuity as income, when one matures, simply start converting them to an income stream. Income periods can be any length you wish, even a lifetime. This way, you would have a stream of income that would last for the rest of your life.

Diversifying to reduce risk

Laddering annuities can be a great way to secure your financial future. By diversifying your annuities, you can protect yourself from market fluctuations and take advantage of changes in interest rates. By laddering annuities with different payouts, you can ensure that you have a stream of income that lasts for the rest of your life.

Annuity laddering can help you manage risk. By laddering annuities with different maturity dates, you create a “spread” that can protect you against interest rate risk.

Since predictions of whether interest rates will go up or down are, at best-educated guesses, an annuity ladder lets you bet on both scenarios. A ladder may increase your chances of earning more when rates go up or smooth out losses if rates go down.

Always review to see what’s right for you

There are many different ways to build annuity ladders for yield, including fixed-rate ladders using multi-year guaranteed annuities (MYGAs). You can also use a “mixed-fix” approach combining MYGAs and fixed–index annuities. Deferred multi-year ladders work in a somewhat similar fashion to certificates of deposit (CDs).

Another approach is the deferred multi-year annuity ladder. You take a lump sum to purchase several small annuities in a deferred multi-year annuity ladder, each with a different maturity date. As each annuity matures, you either roll it over into a new annuity or convert it to income.

Creating an annuity ladder may not work for everyone. Still, it is worth bringing up with your retirement advisor, especially if you find yourself considering adding Safe Money products to your portfolio.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Image from Pxhere.com

He won the Nobel Prize, how about quantum annuities?

3-bottom, Citizen Journalism, Finances, Local Business, Senior Living

By Dave Stanley
Integrity Financial Services, LLC

Image from Pxhere.com
Image from Pxhere.com

Albert Einstein was ahead of his time. He revolutionized physics thinking, and his theory beginning with the breakout year of 1905, is still the basics of quantum physics today, more than 100 years later. When Einstein is remembered for his work, it is almost always E = mc², the theory of relativity. However, I think a more interesting part of Einstein’s life was his view on compound interest.

Albert Einstein called compound interest “the greatest mathematical discovery of all time.”

The power of tax deferral

Compound interest allows the account to grow by earning interest on the original investment and any accumulated interest. Here is a generally accepted definition of compound interest.

The interest is calculated on the initial principal and the accumulated interest of prior periods. Compound interest differs from simple interest in that simple interest is calculated solely as a percentage of the principal sum.

Compound interest is offered by banks and savings institutions and is also referred to as “double compounding.” The interest is credited, but it is taxable. The downside is when the interest is credited to your account and comes with tax liability.

Insurance companies offer products that allow for tax deferral and compounding but, under certain situations, can also defer the tax liability. These products are called annuities and life insurance. If the accumulated funds are left untouched, the tax liability is deferred.

This concept is referred to as “triple compounding.”

If some of your savings are placed in an annuity, the benefit of tax deferral provides for:

  • Interest on your principal
  • Interest on your interest and
  • Interest on your tax saving, because your interest is free from current income tax in an annuity, can all continue to compound instead of being withdrawn for tax payments.

And there is more

Is that all there is? No! There is also “quantum compounding.”

Quantum Compounding is building on Triple Compounding by adding features only found on certain insurance company annuities.

·        A bonus of 5% to 10% may be available on funds deposited immediately and guaranteed

·        Long-term care benefit riders may be available

·        Lifetime income provisions

·        Annual moveable minimum guarantees

·        Full guarantees against loss and risk based on the insurance company’s ability to pay.

·        Probate avoidance using a named beneficiary

Consider the use of quantum annuities for added benefits and added value for yourself and your heirs.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

Guess what is coming to a bank near you?

3-bottom, Citizen Journalism, Finances, Local Business, Senior Living, , , , ,

By Dave Stanley
Integrity Financial Services, LLC

Image from Pxhere.com/ Alan Levine

What appears foreign will become commonplace, and you might as well prepare for it. Cryptocurrencies and decentralized finance are all the rage right now, and you’ve probably heard of things like Bitcoin or Ethereum. However, the real story lies in the mechanism that drives these new technologies and forever changes the digital landscape. This is where blockchain enters the picture, the novel technology that enables things like cryptocurrency to exist in the way they do.

What is a blockchain, and what is with all the hype?

Blockchain is a digital database used to catalog all kinds of information (e.g., money, goods, properties, and services). The power behind these databases lies in their ability to create blocks of data which are then chained together with timestamps attached for easier tracking purposes. This makes an unbreakable audit trail documenting every action taken on the platform – from transfer payments between users to how many calories were burned during your morning run! Digital databases are powered by a computer network that is either part of a centralized or decentralized network.

Bitcoin, for example, uses blockchain to record peer-to-peer transactions through a distributed database. This distributed database exists between the computers of all users of the cryptocurrency. The idea is that having the database distributed amongst all the users allows for greater transparency and enhanced security. It enables users to access, audit, trace, and verify digital assets without working through an intermediary. By cutting down on intermediaries, blockchain cryptocurrencies put the power to control data back into consumers’ hands.

Why are cryptocurrencies more secure?

The adage “don’t put all of your eggs in one basket” sums it up. Like banks and universities, many institutions with valuable and personal consumer information operate using a central database. This information is stored within a centralized computer network housed in one location. All that data is controlled by one entity and is more vulnerable to hacks because it would require only a single point of failure to gain access. For a potential attacker to compromise a distributed database like Bitcoin, they would have to gain control of at least 50% of the computers within that network. Even then, the other 50% can fact-check and sniff out discrepancies, making it very unlikely that a hack would ever occur.

Why is this important when it comes to managing digital assets?

· No third-party involvement

· Transactions of authenticated digital assets made via blockchain are typically available in 10 minutes, versus a traditional bank transaction that may take 24 hours or more to complete, not including weekends and holidays

· Blockchain technology guarantees the data’s integrity through cryptography and a distributed database.

Why is this important to us now?

This is the evolution of our data future, and the future of all banks is being reshaped by new technology. Protecting and maintaining control of data is more critical now than ever. In the past few years, major companies like Facebook, LinkedIn, and Morgan Stanley have been impacted by massive data breaches affecting millions of users. Blockchain technology is making waves in the digital world by providing much-needed security measures and by giving them the power to control data back to consumers.

Digital?

Yes, your bank is now 100% digital; it is now our future. Be informed.

Dave Stanley is the host of Safe Money Radio WOOD1300 AM, 106.9 FM and a Financial Advisor and Writer at Integrity Financial Service, LLC, Grandville, MI 49418, Telephone 616-719-1979 or  Register for Dave’s FREE Newsletter at 888-998-3463  or click this link:  Dave Stanley Newsletter – Annuity.com  Dave is a member of Syndicated Columnists, a national organization committed to a fully transparent approach to money management.

How to navigate hospice services and access care

3-bottom, Citizen Journalism, City of Kentwood, Community Health, Senior Living, ,

By Emmanuel Hospice

Many of us realize that hospices are there to serve us.

It’s never too early to inquire about hospice care. With just a click or a call, you can learn about services available, eligibility, costs and more to find a good fit. (Adobe Stock)

But sometimes, it’s difficult to break the ice. How do you reach out – with a call or a click? And how do you express the need? With whom do you ask to speak? And what exactly do you say?

In a perfect world, there are protocols in place to accommodate all the above and more. And you should be able to reach out anytime – day or night, weekday or weekends, even on a holiday.

“At Emmanuel Hospice, we understand that life doesn’t stop when you have a need for hospice,” says Elizabeth Mangiapane, a patient access specialist there. “That’s why any time you call our main line, it’s going to be answered on a 24/7 basis. Easter Sunday? Middle of the night? It doesn’t matter. You will connect with someone who can help.”

Mangiapane emphasizes that a referral to Emmanuel can originate in more than one way. Often, a physician will make the connection. But sometimes, family members serving as caregivers become involved at the outset, and naturally they have questions about eligibility, timing and more.

While a physician’s order is required to perform a formal assessment, a representative from Emmanuel will welcome the opportunity to meet with a patient and/or their loved ones if they simply have questions.

In either case, “we do all the legwork,” Mangiapane says. If it’s determined someone qualifies, the hospice care provider will integrate the patient’s physician and medical history into the equation as needed.

“We’ll set up meetings. We’ll work with the doctors. We are glad to serve in any capacity that lessens the burden on that patient, on that family.”

Mangiapane notes that there’s never a “wrong time” to inquire about hospice. Too often, people will act on the misconception that hospice is only “for the last few days a patient has.”

On the contrary, “We’re trying more than ever to educate the community on how it can be for a much longer time period, so that we might focus earlier not on the quantity of life someone has left, but the quality of life that remains.”

For someone who lives in a nursing home or assisted living facility, that institution may have a working relationship with a preferred provider. But Mangiapane explains that a patient and their family have the right to choose any hospice, and shouldn’t feel pressured.

Mangiapane says it’s important you come away with a full understanding of the services a hospice provides. At Emmanuel, for example, a full slate of complementary services is available – pet visitors, massage therapy, music therapy, virtual reality and more.

Location of care is important to ask about, too. A common misconception is that hospice is a place you go to, but for most providers, hospice care can be provided anywhere. With Emmanuel, it can be in the hospital, a care facility or wherever a person calls home.

Cost is another consideration. Medicare and most commercial insurances will cover 100% of virtually everything provided by hospice – medications and visits, personal care, counseling and other services – but there are some limitations. A phone call can help you discover where you stand.

“Make your choices based on the needs of the patient and family,” says Mangiapane. “You want what’s right for you, and that can look different from person to person.”

For more information, visit EmmanuelHospice.org or call 616-719-0919.

Helpful tips for open enrollment

3-bottom, Citizen Journalism, Finances, Senior Living, , , ,

By Emily Armstrong
Area Agency on Aging of Western Michigan

Open enrollment for Medicare/Medicaid is through Dec. 7. (Photo from Pxhere.com)

The world of Medicare/Medicaid can be an extremely confusing one. Each year, open enrollment occurs from Oct. 15-Dec. 7. This provides the chance for individuals to review and make changes to their Medicare Part D prescription plans and Medicare Advantage plans. Changes that are permittable include monthly premiums, yearly deductibles copays, prescription copays, prescription formulary (list of covered medications), and pharmacy network.

This process can be overwhelming—how do you know which option is the best fit for you? Here are a few tips for navigating the open enrollment season:

  1. Know the difference between Medicare and Medicaid. “Medicare is a medical program for people over 65 and younger disabled people and dialysis patients. Medicaid is an assistance program for low-income patients’ medical expenses,” explains the U.S. Department of Health and Human Services. If you are a senior, then you are likely navigating the world of Medicare. All changes to your plan must be made by December 7, and new coverage begins on January 1, 2023.

  2. Seek help from a trusted source. The Michigan Medicare/Medicaid Assistance Program (MMAP) provides unbiased help with Medicare and Medicaid at no charge. This state-wide program doesn’t sell Medicare plans—certified volunteer counselors are there to help you understand your options. It is designed specifically to help older adults, their families, and caregivers understand, access, and apply. As Bob Callery, MMAP Regional Director, explains, “When people contact us, they may not be sure of what types of questions they need to ask, MMAP counselors can help people navigate the complexities of Medicare. Our counselors are unbiased and want to help people find what will work best for their needs and is the most cost-effective.” You can set up an appointment with a MMAP specialist at 1-800-803-7174, through the Area Agency of Western Michigan at (616) 456-5664, or email MMAP@aaawm.org.

  3. Watch out for scams. During open enrollment especially, scammers take advantage of this time of year by posing as representatives that offer assistance in signing you up for healthcare. Some quick tips from the Kent County Elder Abuse Coalition include:
    1. Scam: An unsolicited “agent” calls and offers to help enroll you in a health plan. Legitimate agents need your permission to contact you.
    1. Scam: The scammer will ask for your personal information, such as Medicare or Social Security number. You are always able to get information about Medicare plans without providing an ID number. ID numbers are only required when actually enrolling.
    1. Scam: Scammers may offer “free gifts” in exchange for your personal information. Real agents will never withhold service in exchange for your personal information.

An important part of open enrollment is making the best choice for your healthcare needs. Being aware of scams, understanding your options, and getting support from the Michigan Medicare/Medicaid Assistance Program are all things that can help make your open enrollment season a smooth process!