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A Safety Net That Might Not Hold -Long-term-care insurance doesn't have many fans, but that may change
By Michelle Andrews
When Betty Hoff moved into an assisted-living facility in Fowler, Calif., two years ago, the 86-year-old thought she didn't have anything to worry about financially. She had a long-term-care insurance policy that would pay up to $3,000 a month for three years of nursing home, assisted living, or home care. Hoff has severe arthritis and can get around only with a walker or cane, which means she could no longer cook, clean, or do the laundry. But her insurer denied the claim. Hoff wasn't cognitively impaired, and the company said she didn't need help with enough "activities of daily living," or ADLs, to qualify for benefits.
Read more about A Safety Net That Might Not Hold -Long-term-care insurance doesn't have many fans, but that may change...Menopause
One cool fall day, Ellen and Sue were watching their teenagers play soccer when all of a sudden Ellen flushed and seemed to be sweating. Sue asked if Ellen was okay. "Oh, it's a hot flash," Ellen said. "This is happening to me several times a week now-even at night. At first, I didn't know what was going on, but my doctor told me these are symptoms of menopause." Sue laughed and said, "Yes, I remember hot flashes, but they're over now."
Read more about Menopause...South Carolina Adult Retirement Communities - South Carolina, The Club Cottages, Salem, South Carolina
Mountain Living in country club style. Located mid-way between Atlanta and Charlotte, Keowee Key is a master planned, gated community located on the crystal clear waters of Lake Keowee. Discover Keowee Key, located in the Foothills of the Blue Ridge Mountains. A fully developed lake and golf community on pristine Lake Keowee. Offering Real Estate, [...]
Read more about South Carolina Adult Retirement Communities - South Carolina, The Club Cottages, Salem, South Carolina...Cancer Facts for People Over 50
Anyone at any age can have a drinking problem. Great Uncle George may have always liked his liquor, so his family may not see that his drinking behavior is getting worse as he gets older. Grandma Betty was a teetotaler all her life-she started having a drink each night to help her get to sleep after her husband died. Now no one realizes that she needs a couple of drinks to get through each day.
Read more about Cancer Facts for People Over 50...Older Drivers
At age 75, Sheila thinks she's a very good driver. And she wanted to stay that way. So she got her eyes and hearing checked to make sure she can see and hear well enough to drive safely. Then she signed up to take a driving course for older drivers at her local automobile club. Will all this effort guarantee Sheila's road safety?
Read more about Older Drivers...Guide to Medicare
Medicare pays for many of your health care expenses, but it does not cover all of them. It is important for you to know what Medicare does and does not pay for. This Handbook will help you understand how the Medicare program works and what your benefits are. You can use the alphabetical index at the back of the book to find information on specific subjects. This Handbook is also available in Spanish. (See inside back cover for how to order.)
Read more about Guide to Medicare...HIV, AIDS, and Older People
Grace was dating again. George, a close family friend she had known for a long time, was starting to stay overnight more and more often. Because she was past childbearing age, Grace didn't think about using condoms. And because she had known George for so long, she didn't think to ask him about his sexual history. So, Grace was shocked when she tested positive for HIV.
Read more about HIV, AIDS, and Older People...