Documents we need to have a great retirement: Episode 73

Photo of Karin Schumacher Episode 73

I asked Karin to come on the show to talk to us about the documents we need to have a great retirement.

Karin Schumacher has been an attorney since 2001. She is regarded as compassionate, accomplished, and dedicated at Elder Law & Advocacy, Legal Aid Society, and San Diego Volunteer Lawyer Program. She has effectively served over 12,000 clients.

She talks about her grandfather who was a very “well to do” business owner. (He owned 3 auto supply stores). At the time he passed away in 1975, he had over ten million dollars. He wanted his children and his grandchildren to receive that. The problem was that unbeknownst to him, the Corporate Trustee he used, did not have his best interest at heart. All of his hard earned money had been squandered. Now in 1975, there was far less oversight on Corporate Trustees and a lot fewer regulations than there are now.

Put these documents in place BEFORE they are needed. Also update or review them on a regular basis because life events and circumstances change frequently.”

Karin goes over each of these in greater detail during the interview.  Below, is the list of documents we need to have a great retirement:

  1. Advanced Healthcare Directive- This is basically your end of life wishes. It is a 55-page document that goes over your medical wishes should you become incapacitated.
  2. Power of Attorney (Springing or Immediate) Springing POA- Only takes place upon incapacity. Immediate- Be cautious here because the moment you sign an immediate POA, the power goes to the agent. However, a POA is one of the documents we need to have a great retirement.  Kathe likes the Springing kind.
  3. HIPAA Release (Health Insurance Portability and Accountability Act) – Prohibits Healthcare providers from releasing information unless you have completed a HIPAA  release form.
  4. Trust- If you own a home and or assets in California above $150,000 then a Trust will assist in avoiding probate.
  5. Will – If you are distributing assets by other means and don’t own a home, then be sure to create a will.

To get today’s Freebie, What Documents Do I Need Before I Become Incapacitated, go to http://rockyourretirement.com/Incapacitated

Contact Information for Karin: www.AfsarEstatePlanning.com

Special Thanks to:

  • Angie Strehlow who helps us get great guests that help us with our retirement lifestyle while keeping everything on track…and helps with these show notes!
  • Les Briney, my husband, and Danny Ozment of Emerald City Pro who edits the show and makes my guests and me sound terrific
  • Henry Shapiro, host of Retired Excited that airs on Fridays
  • YOU for telling your friends about the show, leaving comments below, and sharing episodes you really like on Facebook, and reviewing the show on iTunes

This post about retirement and Retirement Lifestyle first appeared on http://RockYourRetirement.com

*Rock your Retirement discusses retirement issues, but neither Rock Your Retirement nor Kathe Kline provides legal advice.  Please be sure to consult your own attorney.

If your parents have Alzheimer’s, you need The Secret of Adult Day Care Episode 69

Lisa Tyburski discusses Adult Day Care Programs

Lisa Tyburski discusses Adult Day Care Programs

Caregiving is relentless. It is exhausting beyond belief and caregivers need a break. Adult Day Programs (AKA Adult Day Care) are a way for people to get a break.  They can drop their loved one off in a safe environment.

I spoke with Lisa Tyburski from The Glenner Centers which offers Adult Day Programs AKA Adult Daycare Center from their 3 locations in San Diego. Lisa shared with me the powerful story about how The Glenner started. It was founded in 1982 by Dr. Glenner and his wife Joy. Dr. Glenner was a researcher at the UCSD school of medicine. He was working to advance research in the Alzheimer’s field. One night around midnight, he and his wife Joy received a phone call from the husband of one of Dr. Glenner’s Alzheimers patients. The husband, who had been a caregiver to his wife was frantic. He was absolutely at the end of his rope and he had a loaded gun in his hand. He was going to murder his wife and commit suicide. Dr. Glenner knew he needed to come up with a solution to help the caregivers.

You can go to work, run errands, take a nap, or whatever you need to do to tend to the other areas of your life.  You know that your loved one is being taken care of.

The Glenner Centers provides brain-stimulating activities. This can also help with sundowner’s syndrome in the evenings.  Some of these activities include:

  • Singing and music
  • Listening to and discussing current events
  • Animals brought in from the Humane Society
  • Socializing

I had NO idea these places existed and I had to learn more.

Have a care giver?  No problem, you can still use Adult Day Programs (AKA Adult Day Care).

Things Lisa says you should look for when looking into an Adult Day Programs (AKA Adult Day Care):

  • Do they specialize in dementia if your loved one has dementia?
  • What is the staff to participant ratio?
  • How many total participants in the center on any given day. You may want to look for a smaller center for more personalized experience
  • Do they have a nurse on staff and ask if they can manage medications?

If you would like to contact Lisa or The Glenner Centers you can email information@glenner.org or ltyburski@glenner.org and the website is www.glenner.org

The freebie for this episode is ABC’s of Dementia which you can get by going to http://RockYourRetirement.com/abc

Special Thanks to:

  • Angie Strehlow who helps us get great guests that help us with our retirement lifestyle while keeping everything on track…and helps with these show notes!
  • Les Briney, my husband, and Danny Ozment of Emerald City Pro who edits the show and makes my guests and me sound terrific
  • Lesinda Tubalado who helps keep the website up to date
  • Henry Shapiro, host of Retired Excited that airs on Fridays
  • YOU for telling your friends about the show, leaving comments below, and sharing episodes you really like on Facebook.

This post on Retirement Lifestyle first appeared on http://RockYourRetirement.com

How To Take The Headache Out Of keeping track of your parent’s medical documents: Episode 067

parent's medical documents

parent’s medical documents

Michael’s mother had a stroke and could no longer care for herself, so Michael became her caregiver.

He discovered the constant need to repeat care giving information to various caregivers so he ended up carrying a binder with him that contained his parent’s medical documents. During this period Michael’s company hired an Elder Family Resource person to help manage the complexities of her care.

James, a longtime friend of Micheal’s, had a similar experience. His father developed sudden onset Parkinson’s after his mother passed away and so couldn’t care for himself. James lived far away, but his sisters lived near his dad. As his dad’s needs increased, it became increasingly difficult to manage the household and care giving information between siblings.

Michael and James talked about their respective care giving challenges and the need for a way to store and share critical documents became obvious. This led to their forming ElderAdmin to fulfill this very important need.

This service stores images of their documents, and you can access it anywhere!  OK…anywhere Internet can be accessed.

Secrets about Retirement Your Broker won’t tell you. Get your FREE report NOW!

Whether you use their program or not, you’ll need access to documents.  Some of the critical documents that are needed for care giving are:

• Advanced Healthcare Directive
• Power of Attorney
• Will or Trust
• Estate Planning Documents
• List of Medications
• Health Status
• Insurance Documents
• Financial Account Statements

ElderAdmin can help take the headache out of keeping track of your parent’s medical documents:

It is a membership plan that can be accessed via computer, tablet, or smartphone. There is a free service is for individuals.  If you need more than one person to be able to access the info, then you can get that for $9.50 per month (as of 3/2017) for unlimited access and storage.

One of the great features of ElderAdmin is in the area of security. Whoever posts the document has ultimate control over who can and who can’t access particular sections containing information. Encryption with unique IDs and passwords protect your parent’s medical documents.

Today’s Freebie is The Important Documents Checklist, and it can be found at http://RockYourRetirement.com/documents

Website: www.ElderAdmin.com  Phone: 844-350-4582  Email: Contact@ElderAdmin.com

Special Thanks to:

  • Angie Strehlow who helps us get great guests that help us with our retirement lifestyle while keeping everything on track
  • Les Briney, my husband, and Danny Ozment of Emerald City Pro who edit the show and makes me and my guests sound terrific
  • Lesinda Tubalado who helps keep the website up to date
  • Henry Shapiro, host of Retired Excited that airs on Fridays
  • YOU the listener for sharing on social media, and telling your friends about it

This post on Retirement Lifestyle first appeared on http://RockYourRetirement.com

*******************************************************************************

A little on their backgrounds:

Michael Blevins

Managing Director and Co-founder, Michael Blevins knows from personal experience the need for ElderAdmin’s unique services. Ongoing care for a mom afflicted with dementia led to his knowledge in the ever-changing health care procedures and programs, which makes him especially sensitive to ElderAdmin member needs. With over 32 years’ experience in performance management with nationally recognized financial institutions, including 10 years with a Fortune 500 company, Michael has the qualifications to oversee the operation of ElderAdmin.

Michael attended California State University, San Bernardino, and lives in southern California.

James Hendrick, CSA

Director and Co-founder, James Hendrick was inspired to address one of the most urgent problems facing today’s growing population after his own father’s passing from Parkinson’s Disease: family care giving for aging parents.

With over 20 years of experience in project management and implementation with major world-wide institutions and Fortune 100 companies, James has a solid record of success in technical vision, business solutions and operational strategies. Such diverse, hands-on background was instrumental in the creation and development of ElderAdmin and continues to facilitate its growth and effectiveness.

As a Certified Senior Advisor living in southern California, James has received the education and training to better serve senior clients. Married with three children and three very active grandchild and he understands the challenge of balancing career and family life with senior caregiving.

 

What do you say to someone who’s grieving? Episode 66

What do you say to someone who's grieving?

Natalia Volz speaks on Grief

So many people in my life in 2016 were grieving it’s difficult to track them all.

Some of them lost a family member.  Some lost a pet.  And some were grieving over their lost candidate after the election. One of the things that most of us have to deal with in retirement is grief – either our own or someone else’s.  What do you say to someone who’s grieving?  That’s exactly what I asked Natalia Volz and the answer may surprise you.

Natalia Volz is the founder of Passing Through Grief and the RELIEF Process.

She helps individuals who feel lost and down after experiencing a significant loss or change in their life such as a death, divorce, or children leaving home to heal their pain so they can rebuild their life and find renewed purpose.

She has first hand experience with loss and grief.  In 2010, after a two-year battle with cancer, her husband died at the age of 49. Lost, alone, and very frightened, she eventually found her way through the devastating pain of loss and grief.

There is a lack of understanding and a fear in our culture about loss and grief and she found herself struggling to find help to get through. She worked diligently to move beyond her own grief and on to living happily and purposefully.   Natalia read every book she could get my hands on, took courses on the subject, and completed grief recovery certification training, and in the process became passionate about making a difference in the way our society deals with loss, change and grief.

It’s easy to tell that she feels passionate about getting out accurate information on a subject we normally avoid but all have to confront first hand at some point in our lives.

I asked Natalia, “What do you say?”  I know that I’m always at a loss for words when I’m confronted with someone who is grieving, because I know that nothing I say or do is going to bring their wholeness back. She had a very interesting answer:   Be a heart with ears.

For the person who is grieving, she said that time does not heal all wounds.  The person suffering a loss needs to talk about it.  Keeping busy does not heal. So what do you say to someone who’s grieving?

Natalia gave us some steps to take to help with our own grief:

  • Find a place to talk about the feelings of loss.
  • Write about your feelings about the loss.
  • Connect with others.  See if there is one friend who will listen to how you are feeling.  Tell them you just need to talk, and to have them listen.
  • Say it or write it while you are feeling the emotion.
  • Grief causes a lot of energy.  Move through it through your body. Don’t stuff it.  Take a walk if you can.
  • Listen to music that makes you cry. Get your tears out.  Crying releases a stress hormone that actually helps you release the stress.  Don’t worry, you can’t cry forever.  Normally it takes about 15 minutes and then you feel better.
  • Writing really helps with the relief process.

Secrets about Retirement Your Broker won’t tell you. Get your FREE report NOW!

So what do you say to someone who’s grieving?  For dealing with others, remember you can’t fix it so don’t even try.  Be a heart with ears.  If your friend is telling you about some guilt that they might feel, don’t discount it by saying “He knew you loved him”, instead say something like, “I can imagine that would be really painful.  I can’t imagine what that would feel like.  Tell me more”.

Natalia gave us some excellent advice, but unfortunately my internet went out right when we were wrapping up the show.  I hope to have her come back someday because what she had to say was so valuable.  The good news is that we were wrapping up, about to give out her contact information, which we have below.

If you’d like to contact Natalia, you can reach her at 877-606-0909 or Natalia@PassingThroughGrief.com

Her website is http://PassingThroughGrief.com.

Get today’s Freebie, Five Quick Easy Action Steps You Can Do Now To Get Relief From Grief, at www.RockYourRetirement.com/Relief

Special Thanks to:

  • Angie Strehlow who helps us get great guests that help us with our retirement lifestyle while keeping everything on track
  • Les Briney who edits the show and makes my guests and me sound terrific
  • Lesinda Tubalado who helps keep the website up to date
  • YOU the listener for letting other people know about this show by sharing on social media, and telling your friends about it

This post on Retirement Lifestyle first appeared on http://RockYourRetirement.com

Becoming a Family Caregiver? You need a Fiduciary! Episode 65

Chris Cooper, Fiduciary

Chris Cooper, Fiduciary

Today’s episode with Chris Cooper was value packed!

If you are currently a family caregiver, or about to become a family caregiver, you need to know about Fiduciaries, and what they do.

A Fiduciary is responsible for the following:

  1. Medical
  2. Psychological
  3. Social
  4. Environmental
  5. Legal
  6. Financial

What you might not realize is that Family Members are also responsible for those same areas.  Many family members don’t realize that they are responsible for all six areas, and tend to only focus on legal and medical issues.

Chris explains that the problems are not necessarily in areas #1 and #5, but are often in the other four areas.  For example, people with Alzheimers often have depth perception issues, something which we don’t normally think about.  Their living space can be an environmental hazard.  (See Episode 34 for tips).

Many of the issues that baby boomers need to think about are alien to us, because we don’t think about these things.  Some of the problems arise when a family member is assigned the task of taking care of mom or dad, and the family doesn’t agree. This is where a Fiduciary comes in.

Fiduciaries are trained to work with all six areas. Unlike family members, they’ve received training.

Children are often not prepared to do all of these things.  We have our own lives to live.  We have our own stresses.  When a family member needs help, we get thrown into the pool, and get our “baptism by fire”.  We don’t often realize that our parent needs to be seen as an adult. We need to let them live their lives in dignity, and then we can live their lives in peace.  Is it right for the children to sacrifice their lives for their aging parents?

Licensed Fiduciaries come from all walks of life.  Its many times “the Third Career”.  Many are in their late fifteens and sixties.  The median age is 58, but many are in their seventies.  Their backgrounds are varied, but they have a common bond.  They want to help protect seniors.

Chris said that sometimes abusers are a family member, but sometimes they are professionals (like financial advisers or caregivers).

Secrets about Retirement Your Broker won’t tell you. Get your FREE report NOW!

Having a Fiduciary can help protect your family member.  Many of these professionals are not trying to harm their clients, but they “don’t know what they don’t know”.  Many are ignorant.  They do not know what is in the best interest of their client now that their client’s capacity has diminished.

  • Where is mom to live?
  • Can you uproot her without harming her?
  • How does the family get along?
  • Is there a neighbor bringing donuts to mom, who is a diabetic?
  • Do you need a guardianship?
  • How can you reduce expense?
  • Do you need an attorney?
  • How can you keep your privacy?
  • Can we take lessons from the past, and plan for our own retirement lifestyle?

Who needs a Fiduciary?

  • Alzheimer’s Patients
  • Disabled Adults and Children
  • Middle Class
  • Wealthy
  • People who need Long Term Care
  • Caregivers who are having issues within their own families due to the stress of caregiving
  • Family members who don’t agree on care options

Public sources might pay for services that a fiduciary recommends.  For example, Medicare might pay for family counseling.    The fiduciary can take a look at what is available under public services such as Veteran’s Benefits, Medicaid or Medi-Cal, or other programs. Mom and dad might even have the money to pay for some things themselves.

Outside Fiduciaries can often help show the financial records, medical records, etc. to keep the family unit strong.  This also can help keep adult protective services, police, and fire departments away.

Everyone is unique, and no two situations are alike.  The good news is that Fiduciaries have training that can help.

Chris Cooper’s Book:  Elder Care Confidential: Cautionary Tales for Adult Caregivers and Caretakers of Parents and Spouses.

To reach Chris, go to:  http://www.chriscooper.com  or 800-352-7674

Get Today’s Freebie, Three Reasons why Your Parents need a Fiduciary, at http://RockYourRetirement.com/Fiduciary

This post on Retirement Lifestyle first appeared on http://RockYourRetirement.com

You, Me and Hospice: The Truth (Episode 64)

Jennifer Marsh, hospice expert

Jennifer Marsh, hospice expert

One of the things that we need to consider in our retirement lifestyle planning is how we are going to deal with illness and dying.  And, when the time comes, hospice care can be an excellent way of preparing ourselves for the inevitable.

I knew that Jennifer was a hospice expert, but I didn’t know that in 2006 she got her Master’s Degree.  She worked with

children at the time and went to school to get her Master’s Degree.  She credits her professor with saving her life when he suggested that she work with hospice.  There are only two schools that offer courses on death and dying in San Diego.

Jennifer Marsh is a community education and outreach specialist for Hospice of the North Coast. She has over ten years of creating, marketing and sustaining thriving educational programs to the general community about serious illness, care-giving and grief and loss issues.

Jennifer has been published in the Touching Lives magazine (2009), and featured on KOCT-TV and Eldercare Talk Radio providing insight and resources to those coping with a serious illness, caring for a loved one and grieving. Jennifer is an expert on hospice and mortality and has been interviewed on the SevenPonds Blog.

She has expertise in creating and implementing community outreach and fundraising events, including Breathe Deep San Diego.

In 2013, she was named as a Finalist for the San Diego Women Who Mean Business Awards through the San Diego Business Journal.

Everyone I know who works in hospice care is a caring person.  That field seems to attract loving and patient people.  Jennifer’s mom had cancer, and even though she had already been working in her chosen field when this happened, she instantly became “the daughter”.  She knows what its like to have a loved one who has been diagnosed with a deadly disease.

There are a lot of misconceptions about hospice and that’s why I asked Jennifer to be on the show.  She shared with us the important truth about hospice:

  • Recommended reading is “Being Mortal“.  You can watch the documentary on Front Line.
  • National Hospice has a FAQ that answers common questions such as:   
    • When is the right time to ask about hospice?
    • How does care begin?
    • Will I be the only hospice patient that the staff serves?
    • Is care available after hours?
    • How does it work to keep the patient comfortable?
    • What role does the volunteer serve?
    • If I reside in a nursing facility or other type of long-term care facility can I elect hospice care?
    • What happens if I cannot stay at home due to my increasing care need and require a different place to stay during my final phase of life?
    • Do state and federal reviewers inspect and evaluate hospices?
    • How can I be sure that quality care is provided?

To get the answers, just go to their website HERE.

Secrets about Retirement Your Broker won’t tell you. Get your FREE report NOW!

  • Choosing a hospice care program does not mean you are giving up hope
  • It is not a PLACE.  It is a type of care

  • Ask your doctor if he or she will continue to work with you.  Many programs have working relationships with their referring doctors
  • Palliative care comes before hospice and you can start that as soon as you have a diagnosis. You don’t give up curative treatment

  • Hospice focuses on Quality of Life, and supports psycho-social, medical, and spiritual needs.  These can include:
  • You can leave hospice if you choose

  • It includes free grief support for a year or longer after the patient’s death

Contact Jennifer at jmarsh@hospicenorthcoast.org or 760-431-4100

Hospice of the North Coast also has an annual fundraising event that you can attend. As of this posting it will be on April 8th.  We hope to see you there!

Get today’s Freebie at http://RockYourRetirement.com/HospiceMyths

Special Thanks to:

  • Angie Strehlow who helps us get great guests that help us with our retirement lifestyle while keeping everything on track
  • Les Briney who edits the show and makes my guests and me sound terrific
  • Lesinda Tubalado who helps keep the website up to date
  • YOU the listener for letting other people know about this show by sharing on social media, and telling your friends about it

This post on Retirement Lifestyle first appeared on http://RockYourRetirement.com