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Family Senior

6 Exercises to Help Seniors Improve Balance

Climbing stairs, playing hopscotch, and riding a bike are all simple tasks when you’re young and agile. You don’t think about balance since it comes easily to you. In fact, at that young age you feel indestructible and capable of absolutely anything.

Regrettably, as you get older, this is no longer the case and simple things become much, much harder. Reflexes and coordination deteriorate as you get older, muscular mass and strength decline, and changes in your eyes damage depth perception and night vision.

All of these changes together raise the likelihood of a fall, fracture, or other major damage. And as your doctor will tell you, that can be downright lethal to people of a certain age. A fall is serious and should be avoided at all costs.

Thankfully, they can be avoided. With certain exercises, you can improve your balance and prevent most falls. Here are just a few.

Stand on One Leg For Balance

This is one of the simplest exercises that involves the least amount of effort, yet it can help you improve your balance.

To begin, stand behind a table or desk with your hands on the top. Lift your left foot while keeping your right foot firmly on the ground. Hold the position for 30 seconds before changing your feet.

Stop utilizing the table after a few weeks or months of practice.

The aim is to stand for at least a minute on each leg without using any external support.

Walk the Tightrope To Help With Balance

Here’s another easy one that will do a lot to prevent falls and injuries.

Lay a long length of thread or a jump rope on the floor to begin. If you don’t have these objects, envision a straight line that starts at your feet and stretches outward.

For balance, raise your arms and hold them out to your sides. For 10 to 20 steps, heel to toe, or from one end of the room to the other, walk without straying from the line.

Turn around and return the opposite way once you’ve completed the line. Rep four times more.

Hold your foot in the air for two or three seconds each time you take a step to make it more difficult.

Shuffle-Step

Put your feet together and stand up. Then t ake a step to the right and cross your left foot over while facing ahead.

From one side of the room to the other, do this again and again. Shuffle-step back the opposite direction after you’ve reached the wall.

Try speeding up your footwork after you’ve gotten the hang of it. Place little impediments in your way, such as a bean bag or a rolled-up pair of socks, to offer an added challenge.

Sit-to-Stand Exercise

Can simply sitting and standing help you improve your balance? It sure can!

To begin, place your feet firmly on the ground, straighten your back, and slant your buttocks forward to sit towards the chair’s front.

Lean your chest on the table. Squeeze your glutes and slowly rise up by shifting your whole weight forward. Slowly return to your original position after around 10 seconds.

Try not to use your hands throughout this exercise, but if you feel unsteady or unstable, lean on a table or desk for support.

Squats

With your feet shoulder-width apart and your hands at your sides, begin this exercise. As though you’re sitting on a chair, tighten your abs, bend your knees, and push your buttocks out.

Keep in mind that you don’t need to go all the way down. In fact, a simple 30-degree angle would suffice.

Slowly rise up once you’ve reached the squat posture. Rep until you feel your quadriceps and glutes begin to burn.

Wall Pushups

Everyone has a wall, which means that everyone can perform this exercise.

To start, place your arm at arm’s length in front of a wall with no paintings, decorations, windows, or doors. Lean forward slightly and place your palms flat against the wall at shoulder height and breadth. As you progressively push your body closer to the wall, keep your feet planted. Push yourself back gently until your arms are completely straight.

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Family Senior

5 Senior Services & Products You Can’t Live Without

We recognize that as you get older your needs for new or different services and products can change. Finding affordable, helpful, and easy products and services can be crucial for many seniors. Numerous resources exist, but most of them are either difficult to find, confusing to apply for, or largely unheard of.

Well, do not stress! We have scoured the internet and put together the 5 best senior services and products that you won’t be able live without. 

As always, if you know anyone that could benefit from these services or products, share this with them!

1. Eargo

Searching for the perfect hearing aid? Well, look no further. Eargo has the ultimate, virtually invisible hearing aid that puts complete hearing personalization at your fingertips. 

Eargo is designed to be easy and convenient. From talking with a professional to chosing your preferences for your hearing aid, everything can be done from the comfort of your home.

You’ll also be relieved to know that many insurance plans may cover some or all of the cost, and Eargo will do all of the work for you to determine your coverage.

Find out if this invisible-fit hearing device is right for you by getting a free sample of Eargo’s hearing aid. 

2. A Place For Mom

Are you unsure where to look for senior living options for your loved ones? A Place For Mom is the perfect solution. You know your family and they know senior living.

A Place For Mom’s proven process can help you find the right senior living community for your loved one hassle free. You start by connecting with an expert senior living advisor. Then, you review a personalized list of communities. Once you pick a place, you can tour and decide with confidence!

Find the perfect place for your loved ones with A Place For Mom!

3. Final Expense Insurance

Life insurance is important. It is one of the most affordable ways to financially protect your loved ones in the event you’re not there to take care of them. 

Life Insurance Savings Group shops highly rated insurance companies to save you time and money. In order to prepare your quote, they will need a bit of information from you. It’s as easy as filling out a quick form!

Let Life Insurance Savings Group help you navigate final expense insurance and why it’s so important for you and your family.

4. eharmony

Looking for love, but don’t know where to find it? eharmony is committed to helping senior men and women find love every day.

The eharmony Compatibility Matching System® is the key point of differentiation between their service and that of traditional senior dating sites. It is also the main driver of their matching success. eharmony’s matching is based on using its 32 DIMENSIONS® model to match you with a select group of compatible senior men or women with whom you can build healthy and happy relationships.

eharmony is committed to helping senior singles find love every day. So what are you waiting for? Join for free!

5. Time Share

Are you feeling stuck with your Timeshare? Then this is the perfect service for you.

Today, putting your unwanted Timeshare in front of potential buyers is easier than ever thanks to the range of Timeshare Resale companies providing commission-free online tools to help owners sell their Timeshares.

You can get started in 4 easy steps. You’ll begin by entering the name of your Resort and check its eligibility for a cash sale. Then you’ll speak with a Timeshare resale expert and get the current Market Analysis, 100% free. Then you can sit back and relax as your Timeshare goes on the market.

So, fill out the form to find out your Timeshare’s eligibility for a cash sale!

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Family Financial Insurance Senior

Medicare Insurance: What to Know About It

As you start to approach retirement, there’s a lot of things you have to plan for, and your health insurance is one of them. Many Americans enroll in Medicare insurance every year, but few understand it well.

It can be overwhelming when you see all of the different coverage options, but you don’t have to struggle through the decision-making process. With this guide to Medicare insurance, you can learn more about eligibility, coverage options, and costs.

Who is Eligible?

In most cases, you become eligible for Medicare upon turning 65. You can sign up as early as three months before your 65th birthday, or you can sign up any time in the four-month period that follows your birthday.

While Medicare is typically reserved for seniors, there are some exceptions. Younger people with disabilities may be deemed eligible for coverage. It is also available for individuals with End State Renal Disease, which is a permanent kidney failure that requires a transplant or dialysis.  

How Much Does It Cost?

The cost for Medicare depends on several factors, including your income. It can also depend on the plans you enroll in:

  • Part A: In some cases, your Part A coverage may be completely free! If you or your spouse have paid Medicare payroll taxes for ten or more years, you shouldn’t have to pay any premiums. Others who didn’t pay the taxes could pay several hundred dollars for their monthly premium.
  • Part B: Your Part B coverage comes at a standard rate. It is currently $144.60 each month, but it is expected to increase by a few dollars in 2021. You can easily look up the standard rate for your coverage at any time.
  • Part C: This all-in-one plan is offered by private companies, so the cost of your monthly premium depends on the plan you choose. You can find a variety of options to fit any budget.
  • Part D: The cost of part D coverage also depends on which plan you choose. The most basic coverage starts at $30 per month, but you should keep in mind that there are additional costs for copays, deductibles, and out-of-pocket expenses.

What Does it Cover?

Different parts of Medicare offer different coverage options. Part A is more for hospital stays and short-term nursing home stays. Part B is what most people consider a standard health insurance plan. It covers your doctor visits, preventative screenings, flu shots, and more. Part D covers your prescriptions drugs. Part C is also known as Medicare Advantage, and it offers all-in-one coverage.

How to Get Additional Coverage

If you didn’t get a Part C policy, you may find yourself needing to supplement your Part B Insurance with a Medigap plan. These plans are lettered A through N, so there are plenty of different options from which you can choose. We recommend that you speak with an insurance agency to find out which Supplement plans best fit your needs and budget.

Request a Medicare Quote

Whether you are using private or public Medicare insurance, there are many different prices and plans available. The best way to find the policy that best fits your needs is by requesting different Medicare quotes. You can also visit medicare.gov to learn more about Medicare coverage, costs, and supplements.

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Family Legal Senior Social Security Disability

What is OASDI?

OASDI stands for Old Age, Survivors, and Disability Insurance. It is the long-form name of the Social Security benefits in the US. It is the fund that is paid into by the withholdings on your paycheck. Those who may be eligible to collect OASDI include the disabled, retirees, and so on. The overall goal of the program is to replace the income lost to old age, losing a spouse who was the earner.

The program was created as the Social Security Act by President Roosevelt in 1935. With the country in the grips of the Great Depression at the time, people were eager for a safety net, and it has grown incredibly over the years. In the decade following the passage of the act, there were approximately 222,000 recipients of benefits, while at the end of 2020 there were roughly 70 million. The average monthly benefit for these recipients is about $1,500.

Criteria For Collecting OASDI

Payments into the OASDI program are collected by payroll taxes FICA and SECA, which are the Federal Insurance Contributions Act, and the Self-Employed Contributions Act. In order to collect payments from the OASDI program, the recipient must meet certain requirements. For the tax year 2021, the tax rate for Social Security collected via FICA is 6.2%, while those who are self-employed will pay a rate of 12.4%, or double.

To begin old-age payments, those born before 1960 can collect as early as 62 years old. For those born after 1960, however, the retirement age s 67. In some cases, people who qualify can wait until age 70 to begin collecting payments and can collect larger payments as a result. The funds are kept in a pair of trust funds, the Disability Insurance trust, and the ASI trust.

How Are The Payment Are Calculated

Payment amounts for retired workers are determined by the wages of the worker who paid into the program during their working years. Payments to surviving spouses or children of passed or retired workers. Payments for disability are made only to those who can positively prove they cannot participate in gainful employment as well as meet additional requirements.

Qualifying for retirement benefits requires that the worker be fully insured by accumulating quarters, or credits, for coverage. Quarters are gained based on the wages of the earner for a predefined period and are accumulated for roughly each $1500 earned. Yearly quarter earnings are capped at 4, with 40 credits, or about 10 years of work.

When a worker is ready to retire, they will receive payments from the OASDI program that are based on the average of her 35 highest-paid years of work. If there are more than 35 years on record, the lowest years are eliminated from consideration. If the worker decides to retire early, then their work history is evaluated and any years without data are calculated as zeros in the 35-year formula. That 35-year average is what her monthly payments will be a portion of.

Categories
Family Legal Senior Social Security Disability

How to Prove Your Disability To The SSA

When seeking to qualify for either SSDI or SSI, you will be required to prove your disability. Even when the claim seems like it would be obvious and straightforward. You must remember that only about 30% of all claims initially presented to the SSA are denied. This is one reason why Social Security claims can be so frustrating if you are pursuing it by yourself. Which is why many people opt to work with an experienced Social Security disability lawyer.

Disability As Defined By The Social Security Administration

The Social Security Administration has a very clear definition of a disability. If you are only partially or temporarily disabled, you will not be able to claim SSDI or SSI benefits. So, you must show that:

  1. You cannot do the work you did previously, due to the disability
  2. You are unable to do change occupations or do other work due to the disability
  3. The disability will last longer than a year or is anticipated to result in death

If you are able to meet these criteria, you will not be able to engage in any substantial gainful activity. This qualification can be revoked if you earn too much income in a month.

Collect And Organize Your Medical Records

Common claim denials result from the failure of the applicant to provide sufficient medical documentation as evidence of the disability. Spending some time developing your medical documentation can help you prove your disability during the first review period.

The Social Security Administration will need to see records of your disability going back to when it was first discovered. This is known as your disability onset date. This can be difficult to determine for some conditions, so leverage family and friends if needed.

Your doctors can be a priceless resource. Your medical care team should be able to provide you with the records or documentation you need. If necessary, they may also be able to furnish a mental health assessment to be presented to the SSA. Make sure you adhere to your doctor’s directives for treatment as well. If you don’t, the SSA may deny your claim for lack of consistent treatment.

Make Sure You Meet The Requirements

Any disability can be challenging to prove. This can be especially true for those seeking benefits for mental illnesses or conditions. Some will be significant or severe enough that the Social Security Administration will simply grant the benefits. The conditions that qualify someone for SSDI or SSI benefits are detailed in the Blue Book. The Blue Book contains all of the criteria for qualification based on medical diagnosis.

Some conditions may be severe enough that the SSA will only need limited medical documentation. For example, arthritis, asthma, and heart disease. Some conditions will require more rigorous proof, such as mental disorders. Mental disorder claimants will need to meet various criteria that are designed for their particular mental disorder category, such as anxiety or psychosis.

Categories
Children Family Senior

8 Ways to be a Fabulous Grandparent

Grand-parenting is just as necessary in shaping a child’s life positively as parenting is. Here are 8 ways to be a fabulous grandparent:

1.    Recognize Your Value

Grandparents often fail to recognize and acknowledge the monumental importance they have. You are even a more prominent source of wisdom, education, and experience for your grandchildren. Devote more of your time to them, such as offering childcare or scheduling time at least once a week with the kids.

2.    Devote Unconditional Time

As a grandparent, you probably have lesser social and work commitments, so you must devote as much time as possible to your grandchildren. Teach them things their parents cannot make time for, such as taking them to construction sites to watch from a distance, talking about life under the water, and your experiences of traveling to other countries.  

3.    Refraining from Appearing Fearful

Grandchildren often seek validation and approval for their experimental projects from grandparents. So, the next time a child comes to share his/her plans with you, refrain from voicing out how you dread the idea.

Lend unconditional support, enthusiasm, and encouragement while keeping a watchful eye as the little ones embark on their journeys and passions. As a grandparent, you can pretend to be thrilled about whatever excites them (of course, only if appropriate).

4.    Ponder Over Books

As a grandparent, the greatest gift you can give the grandchildren is by transforming them into book lovers. They’re from the age of technology, and most likely, their parents are too. So, you have the unique gift of sharing the love of books with them and introducing them to a whole new world of learning.

5.    Encourage Spirituality

If you follow a reticular faith, then be a spiritual inspiration for your grandchildren. Spend time meditating, praying, reading your Holy Book, and teaching all the little ones spiritual values.

6.    Good Manners

If anyone hopes to teach the importance of manners, values, and traditions to the little ones, it is you as their fabulous grandparent! So, teach your grandchildren the art of manners, courtesy words, family values, and others.

7.    Do Not Over Indulge

Many live under the perception that grandparents are selfless. While pampering your next generation is a great thing, overindulging them will only have unfavorable effects in their future. Lavish them with love and whatever you can afford while teaching them to be grateful. Also, never hesitate to say no to your grandchildren when they make unreasonable demands.

8.    Avoid Jealousy

Those who face being a grandparent prematurely are often unable to cope with the conflicting emotions. Hence, you may feel bouts of jealousy over your daughter/son-in-law and may intentionally or unintentionally criticize him/her, which your grandchild can pick up.

Speak only positive words of your grandchild’s parents and other family members, so that they learn to respect everyone and never indulge in bitter feelings in any way.

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Family Senior

10 Discounts Seniors Didn’t Know About

Many seniors remain in ignorance of the multiple discounts they can avail when they’re out spending money. You could save a significant amount on several purchases if you knew what discounts you’re entitled to.

Here are the top 10 discounts:

1.   Groceries

Several grocery stores offer senior discounts, which you must ask for while paying for your purchases. For example, Farm Fresh offers 5% discounts for fifty-five-year-olds and above on Tuesdays and Thursdays, while New Seasons Market offers a 10% discount for seniors every Wednesday.

Remember to verify the next time you’re out buying the groceries.

2.   Mortgage Rate Reduction

There is a free mortgage program that offers up to $3,120 savings for seniors annually. It would be best if you found out about the validity and eligibility of this program from your bank the next time you’re paying.

3.   Home Alarm Savings

Many Home Alarm companies offer a 10% discount for senior homeowners. The idea is to encourage every senior citizen to safeguard their property and lives with a reliable alarm system, more so because of their age-related vulnerability.

4.   Restaurant Meals

A lot of dine-outs offer discount deals and a certain percent of the entire bill for senior customers. From steak restaurants to fast food joints, there is usually a discount at the majority of places if you’re fifty-five years and above.

5.   Cruise Discounts

From all-inclusive travel options to exclusive deals for fifty-year-olds and above, many cruising companies worldwide offer discounts for seniors. You can luxuriate in the splendors of the sea at great deals as a senior, but only if you ask for your discount when you’re booking your trip next time.

6.   Medical Bill Discounts

Seniors require more treatments and doctor visits as they age, and many insurance companies offer discount cards. As a senior, you also receive hearing, vision, prescription drug, and dental coverage, all with a supplemental insurance plan.

You can avail some incredible medical benefits as a senior but do remember to ask for those.

7.   Brand Discounts

Stein Mart, Marshall’s, Kohl’s, Banana Republic, and Ross offer discounts for seniors. You need to be fifty years and above to shop on discounts at these fabulous places on designated days. However, it is best to verify each of these stores’ age eligibility before you go shopping with your old pals.

Many stores also offer a monthly Senior’s Day where you can avail 20% discounts on your membership cards, shop online, or other features.

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Family Financial Insurance Senior

When Can I Change My Medicare Insurance Plan?

We know that Medicare insurance is complicated. There are restrictions, open enrollment periods, and so many different plans from which you can choose. It’s easy to find yourself with one hundred different questions.

One of the most common questions we see is, “when can I change my Medicare supplement insurance plan? While we’d like to say the answer is simple, much like Medicare, it’s complicated. In this guide, however, you’ll learn more about when you can change your supplement plans and how to do it.  

What are Medicare Supplement plans?

It is important that you understand the difference between your Medicare insurance and Your Medicare Supplement plan. Your Medicare plan is provided by the government, but a Medicare Supplement Plan is a private health insurance policy.

The purpose of a Supplement plan is to supplement the coverage you get with your original Part A or Part B Medicare plan. For a monthly payment, Medicare Supplement plans usually cover your coinsurance, deductible, and copays. They help to fill in the gaps that you would otherwise be required to pay out of pocket. For that reason, they are sometimes referred to as Medigap insurance plans.

When Can I Change My Plans?

The simple answer is that you can change your Medicare Supplement plan anytime, but of course, there’s a catch. Since supplements are private health insurance policies, the insurance company can choose to turn you down for health reasons.

Supplements are not the same as your Medicare Part C or D plan. Therefore, they aren’t eligible for changes during the Annual Election Period, which occurs in the fall.

There’s only one time when you can enroll in any supplement without being rejected, and that time is six months after you turn 65 or enroll in Part B, whichever comes later. Once this period passes, you can still apply, but the decision is ultimately up to the provider.  

How Do I Change My Plans?

If you would like to change your Medicare Supplement plan, all you have to do is fill out an application with questions related to your health. Many states also require you to pass a medical underwriting.

What does that mean?

It is the process of examining your medical history in order to determine any risk factors that could affect your health insurance coverage. If you are found to be too much of a risk, the private insurance company can deny you or charge you a higher rate. However, there are also many situations that could be covered under your guaranteed-issue rights.

Reasons to Change Your Insurance

Though the application process isn’t always easy, there are several reasons that seniors choose to switch their Medicare Supplement plans. You should consider changing your plan if you:

  • Found the same plan for less money from a different insurance company
  • Need more benefits than what your plan currently offers
  • Don’t use all of the benefits that you currently have
  • Wish you buy your plan from another insurance provider

Request a Quote for a Medicare Supplement Plan

Your best chance to get the coverage you need is within your one-time enrollment window, but you can change your supplement plan at any time! If this is something you’re interested in, we recommend that you do your research and request a Medicare insurance quote from different companies.

Once you have found your ideal plan, you can start the application process. Many companies offer a “free look period” for 30 days. That means you can take 30 days to decide if your new plan is the best Medicare insurance plan for your needs.