See if you’re eligible

Medicare Savings Programs

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You can get help from your state paying your Medicare premiums. In some cases, Medicare Savings Programs may also pay Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) deductibles, coinsurance, and copayments if you meet certain conditions. These conditions are listed below under “How do I apply for Medicare Savings Programs?” Continue reading “See if you’re eligible”

Your pain is as real as theirs is emotionally

Photo by: Cristian Newman
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Hello, I’d like to speak to you today about a sensitive subject we all have experienced at some time in our life. We’ve had parents, friend’s, brothers, sisters and spouses that have passed away. Each loss is different in its own way. I speak of one specific area that leaves us both grieving in anticipation of a loved one that is beyond help with some form of dementia or life ending disease such as cancer. I can speak for myself that I spent nearly one year that we knew my wife was going to pass away. You wake up facing the same probability each day and wonder when the end will come. Some of us are luckier than others and the end comes in a relatively short period of time others have to endure years of watching our beloved slip farther away. Your pain is as real as theirs is emotionally and, in the end, while there is relief they will no longer suffer you must now confront the loss and decide what path you will take. But this is a subject for another article. This time I would like to talk about those that are living another kind of nightmare known as Dementia or Alzheimer’s. There is no one-size-fits-all solution to this painful situation and there is no good or right answer for how to deal with it and one of the best things that you can do for yourself is to get involved with some form of grief share, bereavement group or Alzheimer’s support group. What I want to bring out is some of the feelings that no one talks about even in one of the support groups I mentioned.

Society has set up some kind of rule that says if you start dating or seeing other single people to soon after your spouse has passed away you are not respecting their memory or if your loved one is confined to a hospital and may not even remember your name you have to wait to begin to live again. Everyone seems to feel you are supposed to wait until they pass away then go through a grieving period before you are able to live again. They don’t know or understand what we have been through so why we should wait for their approval.

Researchers found that those who had been single their entire lives had a 42 percent increased risk of developing Dementia or Alzheimer’s and that those who had been widowed faced a 20 percent higher risk. The bottom line here is we are social animals and need companionship to stay healthy both physically and mentally.

I encourage you to leave your thoughts and experiences in the comments about your feelings for others to read and benefit from and realize are not alone in their thoughts.

Challenges facing seniors

Challenges facing seniors.

Challenges facing seniors.
Photo by: Tommy Lisbin
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Some of the challenges facing seniors are that more than half of all retired seniors count on social security for half of their income. The other 50% of seniors count on Social Security for at least 90% of their income. (Data collected from NIH)

This will be further impacted in 2018 by yet another cost increase in Medicare part B changes which in all probability cause supplemental health insurance rates to rise. There is little we can do to change any of these items above and I can go on for hours quoting numbers and yelling the sky is falling but the truth is no one knows where it will end.

I am going to talk about some of the opportunities that are out there that can supplement your income and put cash in your pocket. I am not going to try to sell anything or try to get you to send me money. All I want to do is help those that are in the same boat I was after my wife passed away. I will only tell you this I have been turned down for survivors benefits, as well as disability. I am not able to live on my retirement alone and I know many of you are in the same boat as I am. Even if you’re not right now at some point you may be. Even if you are living comfortably wouldn’t it be nice to take off on that vacation or go to some nicer restaurants and not have to look for the blue plate specials?