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Why Are Seniors Turning to CBD?

This blog is contributed by Matt Scillitani of remedyreview.com

CBD, or cannabidiol, has been studied as a substitute for everything from anxiety cures to pet medication, and this natural aid isn’t just for the young. There’s interest in CBD among those aged 54 and older.

We studied over 1,000 seniors, 54 years old or older, and asked them questions about their CBD usage, associated benefits and side effects. Read on to hear what these mature men and women had to say.

Not So Stuck in Their Ways

Nine percent of the seniors surveyed used CBD for health-related purposes. Over 65 percent of the seniors who tried CBD said their quality of life was good, whereas just 31.1 percent said the same before trying CBD.

Skepticism may have kept 91 percent of the interviewed seniors away from CBD, but those who gave it a shot reaped its rewards. Seniors who tried it admitted that CBD prompted a dramatic improvement to their quality of life.

Ingestion Options

Fifty-four percent of seniors applied CBD by directly inserting it into the mouth. For the next most popular administration method, 21.1 percent chose to eat CBD-infused edibles and add oil drops to their beverages. The least popular ingestion method was through smoke or vapor, utilized by only 10 percent of our senior CBD users.

The CBD Hit List

Forty-two percent of seniors used CBD with the goal of reducing inflammation. Relief from chronic pain was the second most-cited incentive. Anxiety and stress were cited as the fifth and sixth most common symptoms, respectively, that seniors attempted to alleviate via CBD.

Senior Symptoms Alleviated

Chronic pain saw a 61 percent reduction rate among seniors using CBD. As added bonuses, 23.3 percent experienced a better mood and 45.6 percent noticed improved sleep quality.

This data clearly encourages CBD as an alternative healing tool. Seventy-eight percent of seniors said they were satisfied with the product, and 89 percent said they would recommend CBD for health-related purposes to a family member or friend.

Over or Behind the Counter?

Twenty-six percent of the seniors think they personally consume too many prescription drugs. CBD provides a safe alternative and has piqued interest because of it.

The effectiveness of these remedies is what won over our seniors.  Nearly 29 percent rated CBD as extremely effective, while another 38.9 percent claimed it was moderately effective.

The Next Budding Market …

Interest from all varsities of age have led to CBD’s booming market. Symptoms like chronic pain can be remedy motivators for seniors, while stress and anxiety cures attract many modern health gurus.

Methodology and Limitations

We collected responses from 1,047 seniors by administering online surveys through Prolific.ac. For this analysis, we have defined seniors as adults aged 54 and older. Respondents who were younger than the designated age were excluded from our findings. To ensure data accuracy, participants who failed an attention-check question or entered inconsistent data were excluded.

The main limitation of this study is that different sources have varied definitions for the age ranges that qualify as “seniors.” Additionally, the self-reported nature of our data is subject, but not limited, to selective memory, exaggeration, or telescoping. These findings have not been reviewed or approved by medical experts and should not be used as a substitute for seeking out and listening to a primary care physician.

Disclaimer

The findings shown in this study are not medical advice and should not be used as a substitute for seeking out primary care providers. This study is based on anecdotal evidence and relies on self-reported data.

What To Expect When Navigating Hospice Care With a Loved One

Photo By: Pixabay

Our thanks to Lucille Rosetti, for this contribution to our blog.

 

When a loved one is diagnosed with a terminal illness, the following days, weeks, and months can be scary and overwhelming. How can you make sure your loved one is comfortable? What arrangements need to be made? Hospice care is the next step, but what is it exactly?

According to MedicineNet, hospice care is “Care designed to give supportive care to people in the final phase of a terminal illness and focus on comfort and quality of life, rather than cure.” The ultimate goal is for your loved one to live out their remaining time comfortably and pain-free, while also supporting their emotional, social, and spiritual needs. If hospice is the next plan of action for your loved one, here is some helpful information to walk you through the process.

Starting the Hospice Care Process

Starting hospice care is simple – all it takes is a referral. The referral can come from a family member or friend, but typically a healthcare professional makes it. Once the request is made, care typically begins within two days. Keep in mind that eligibility for hospice states that your loved one must have received a life expectancy from a physician of six months or less, and has elected to stop all curative treatment. Terminal illnesses are unpredictable, so rest assured your loved one can continue to receive hospice care long after six months is up as long as their doctor certifies their eligibility.

Each disease and condition carries its own eligibility criteria as well. Although you will receive a referral, you aren’t obligated to use that particular provider. There are many hospice providers, so use this list of essential questions to help you choose the right provider for your loved one.

Getting to Know Your Care Team

Your loved one’s care team will include doctors, nurses, social workers, home health aides, and clergy/counselors. However, the one person you will likely be working with the most is a hospice care social worker. Having completed a Master’s of Social Work program via an accredited online or in-person university and the required 900 to 1,200 hours of field work, you can rest assured that the social worker assigned to your loved one has the background, knowledge, and expertise necessary to walk you, and at times carry you through this process. The social worker can assist you, your loved one, and family members with the following:

 

  • End-of-life planning and documentation
  • Healthcare decisions
  • Point of contact for local agencies and resources
  • Insurance, Medicare, and Medicaid paperwork
  • Funeral planning
  • Arrangements/paperwork after your loved one has passed
  • Identifying emotional and spiritual needs of you and your loved ones and finding necessary support
  • Help finding grief counseling

 

Be An Advocate for Holistic Therapy

Hospice care doesn’t involve curative treatment, but pain/symptom management is key. This can be accomplished through medication, but you might also suggest holistic therapy as a complement such as massage therapy, reflexology, reiki, music therapy, guided imagery, meditation, or acupuncture. Unfortunately Medicare doesn’t cover holistic medicine, but it does offer some coverage for a licensed doctor of osteopathic medicine. However, if your loved one has a Medicare Advantage plan, there are additional benefits such as wellness programs and healthier food options, both of which offer a holistic care approach.

Be A Source of Support and Comfort

Whether your loved one is receiving hospice care at home or in a hospice facility or nursing home, you can be a source of support and comfort. Be mindful and respectful of their wishes, and assist in any way they ask you. Spend time together and share memories or create a legacy video. Most importantly, just be there, whether it’s to chat, watch their favorite shows, read a book together, or simply sit.

If hospice is the next step, take a deep breath. The care and support you and your loved one will receive is a bright spot during a difficult time. Rest assured that once you find the hospice provider that best meets your loved one’s needs and criteria, you’ll have a team to guide you every step of the way.

 

 

 

 

 

The 2019 Guide to Medicare

Our thanks to Danielle Kunkle, for this contribution to our blog.

Though Medicare has been around since 1965, there are changes each year that affect your premiums, copays and deductibles for the next year. Sometimes there are also legislative changes that can impact your benefits. Let’s look at an overview of Medicare for 2019.

Medicare Has 4 Parts

Original Medicare includes Part A hospital benefits and Part B outpatient benefits. You enroll in these two parts via the Social Security office during your Initial Enrollment Period which begins 3 months before your 65th birthday month. Part A covers inpatient hospital, hospice and skilled nursing. Part B covers most other medically necessary services on the outpatient sides, such as doctor visits, lab testing, emergency care, physical therapy, chemotherapy and much more.

In1997, the Balanced Budget Act also created Part C, which is the Medicare Advantage program, which we’ll discuss more below

The most recent part of Medicare is the voluntary prescription drug program that we call Part D. This will help to reduce the cost of your retail prescriptions.

Medicare Doesn’t Cover 100% of your Costs

Although Medicare covers the majority of your healthcare expenses, you are responsible for some cost-sharing. This includes deductibles, copays, and coinsurance. On the outpatient side, Medicare only covers about 80% of your covered procedures, and you are responsible to pay the other 20%. For this reason, most people enroll in additional coverage to help them with their cost-sharing. There are two primary types of supplemental coverage: Medigap Plans and Medicare Advantage Plans.

Medigap plans are also known as Medicare supplements and these plans pay after Medicare. In most states, you can choose from one of 10 standardized Medigap plans. These plans allow you to treat with any Medicare provider nationwide and you don’t have to choose a primary care doctor.

Since Medigap plans don’t include outpatient drug coverage, you would enroll in a standalone Part D drug plan as well.

Medicare Advantage plans (Part C) is optional coverage in which you can get your Medicare Part A and B benefits through a private insurance company that offers a network of providers. These plans often have lower premiums than Medigap plans but you’ll pay copays at the time of service for various medical services.

Between Medicare and the right supplemental coverage, you can rest assured your benefits will cover you well without breaking the bank.

Making Your Mental Health a Priority After the Loss of Your Spouse

Our thanks to Elmer George, Elderville.org,  for this contribution to our blog: 

A few months ago, my husband’s mom passed away. She had cancer and spent her final days in hospice. I must admit watching my father-in-law deal with the loss has been truly eye-opening. My mother-in-law not only did most of their cooking and cleaning, but managed their finances as well. We’ve been helping my father-in-law work through his grief, while also helping him learn to live on his own. I’ve shown him how to cook some easy recipes, my husband has taken over his finances, and we’ve tried to get additional help here and there to fill in the gaps. I’ve learned a lot about what I need to be doing to help my own parents as they age, and I’d love to share my experiences with others.

The loss of a spouse is a devastating life event. For seniors, many who have been with their partners for decades and decades, it can be an enormous blow to their mental health. Not only do you face crippling sadness, loneliness, and depression, but you have to cope while also handling final arrangements, dealing with life insurance policies and the will, and doing what you can to avoid clashing with family. That’s why it’s vital that you make your mental well-being your #1 priority during this trying time.

Don’t try to speed up your grief

“Numerous research studies have demonstrated spousal bereavement is a major source of life stress that often leaves people vulnerable to later problems, including depression, chronic stress, and reduced life expectancy,” notes Psychology Today.

It is counterproductive to try to convince yourself to get over your grief, or to listen to people who tell you that there should be a time limit on your mourning. While prolonged depression stemming from the loss of a spouse can lead to health problems, attempting to suppress grief can also be incredibly detrimental. Know that you are allowed to feel sad, and never try to speed up your grieving process.

One of the best ways to begin the grieving process is to have a service for your spouse. Whether the service is a funeral or for cremation, this is an important first step. A service honors your spouse, brings family together, begins the healing process, and may bring loved ones the closure they need.

Avoid short-term fixes that can become bad habits

You might think that it’s okay to develop a few bad habits because you’re just getting through the hard times and these new habits aren’t part of your normal lifestyle, just part of the grieving process. But relying on alcohol, smoking, drugs, or overeating to help you cope with your emotional pain is even more dangerous for seniors than for younger people. Alcohol, for example, exacerbates mental health problems like anxiety and depression and is a leading cause of heart disease, diabetes, and some forms of cancer. Not only that, but seniors tend to already be on more medications, which can have negative interactions with other substances.

Focus on eating right and exercising

The best thing you can do for your brain is to eat right and exercise. Getting enough physical activity helps our brain produce chemicals that improve our mood. What we put in our bodies is our fuel, and if you feed yourself subpar fuel, you’re going to have poor performance. If you want to help your brain battle depression and anxiety, stick to a healthy diet and be sure to get at least 30-45 minutes of moderate activity per day.

“Research in humans shows that exercise can stimulate the brain’s ability to maintain old network connections and make new ones vital to healthy cognition,” says the National Institutes of Health.

Force yourself to be social

When dealing with the loss of a spouse, many seniors tend to self-isolate. But this is one of the worst things you can do for your mental health. Talking with family and friends is one of the best ways to overcome excessive grief. “The most compassionate self-action you can take is to find a support system of caring friends and relatives who will provide the understanding you need,” says Oprah.com. Another way to talk to people about your grief is to join a grief group or seek counseling. These options may be available either locally or online.

There is no magic bullet for dealing with the devastating grief that comes with losing a spouse. But if you make a point to focus on your own mental health, you’ll be much more likely to succeed.

About Elderville.org:

Elderville.org is a resource guide for everything related to seniors. We connect our readers to reliable sources on the internet so they don’t have to spend time searching. We have safety tips for daily activities, and resources that range from healthcare to volunteering.

Article & quick links provided by ElderVille: https://elderville.org/

Find your helpful quick links here for Seniors:

Can I Get a Mortgage if I’m Retired?
https://www.creditsesame.com/blog/mortgage/can-i-get-a-mortgage-if-i-m-retired/

A Guide to Downsizing for Seniors and Their Loved Ones
https://www.redfin.com/blog/seniors-guide-to-downsizing

Should You Own or Rent a Home in Retirement?
https://www.fool.com/mortgages/2017/05/04/should-you-own-or-rent-a-home-in-retirement.aspx

Home Modifications Increase Senior Safety
https://www.angieslist.com/articles/home-modifications-increase-senior-safety.htm

How to Save for a Down Payment on a House
https://www.thebalance.com/how-to-save-for-a-down-payment-on-a-house-1289847

7 Home Improvement & Remodeling Ideas That Increase Home Value (And What To Avoid)
https://www.moneycrashers.com/7-home-improvements-to-increase-its-value/

Home Construction & Design Techniques for Child Safety
https://www.homeadvisor.com/r/child-safety-home-design-and-projects/

How to Deter Burglars: Keeping Potential Robbers Away From Your Home
https://www.asecurelife.com/how-to-deter-burglars/

What is Retirement in the 21st Century – Does It Include Work?

By Gregg M. Lunceford, Doctoral Student – Case Western Reserve University

In 2011 America’s Baby Boomer’s began turning age 65 a rate of approximately 10,000 people per day[i]. Historically age 65 has been the milestone at which many people retire. Dictionary.com defines retirement as “the act of leaving one’s job, career, or occupation permanently, usually because of age”. This classic definition was more appropriate when retirement systems were created in the early 20th century to provide income for aging employees with diminishing work skills. When the Social Security Act of 1935 was drafted the average life expectancy for men and women were ages 58 and 62 respectively[ii]. By 2013 the average life expectancy for men and women in the U.S. increased to ages 76 and 81 respectively[iii].

Our increased longevity and improved health now allows for a wider range of lifestyle options therefore retirement is taking on new meaning. For many, retirement has become a career transition that includes work on different terms in the same profession, or the beginning of a new career[iv]. Work with flexible structures has led to “win-win” situation for retiring workers and employers as they recognized several benefits from working beyond retirement age. First, many individuals benefit from the socialization and feelings of accomplishment that come from work. Forty percent of individuals who completely retire from the workplace suffer from clinical depression and 6 out of 10 report a decline in health[v]. For many, work provides an outlet to continue to thrive and improve their well-being. Second, working in retirement allows many employers to maintain valuable knowledge individuals have developed over 30-40 year careers. Such individuals are often valuable mentors and can assist with succession planning and the training of younger employees in the workforce. Finally, Baby Boomers represent the largest cohort in the workplace. The complete exit of all them from the workforce at age 65 has the potential to create a human resource gap and limit overall productivity. The retention of Baby Boomers may help many organizations improve their productivity and become more competitive.

Given the overall benefits, it is important that society better understand what factors may predict an individual’s intent to work in retirement. In 2015, a study was conducted on retirement work intention[vi]. In the study 227 working individuals, of which 93% were age 50 or older, were surveyed to see what factors contributed to their decision to work in retirement. Our research showed that a person’s confidence in their ability, willingness to be adaptable and belief that they will have meaningful opportunities for work in retirement were all predictors of their intent to work in retirement.

Retirement has evolved and no longer means the complete exit from the workforce. Work with flexible options is becoming a rewarding lifestyle option for many retirees. Careful reflection on what activities will provide happiness and fulfilment should be considered in the retirement planning process and may lead to greater success in retirement.

[i] Synder, M. 2010, December 30. In 2011 The baby boomers start to turn 65: 16 statistics about the coming retirement crisis that will drop your jaw. End of The American Dream [online].

[ii] http://www.demog.berkeley.edu/~andrew/1918/figure2.html

[iii] http://www.cdc.gov/nchs/data/hus/hus14.pdf#016

[iv] Kim, J. E., & Moen, P. 2001, June 3. Is retirement good or bad for subjective well being. Current Directions in Psychologicial Science, 10: 83–86.

[v] Sahlgren, G. H. 2013. Work longer, live healthier: The relationship between economic activity, health and government policy. Institute of Economic Affairs: Discussion Paper #46

[vi] Lunceford, G. M. (2016, January). Retirement Values: What Factors Influence the Decision to Work in Retirement. Unpublished Doctoral Study at Case Western Reserve University . Cleveland, OH.

Unexpectedkindness is themost powerful,least costly, andmost underratedagent of humanchange

Gregg Lunceford, CFP® is a 24 year veteran in the financial services industry. Mr. Lunceford specializes in wealth management and works with clients on financial, estate and retirement planning issues. He currently, is a doctoral student at Case Western Reserve University in Cleveland, OH, and is studying how individuals make career transitions to retirement. Mr. Lunceford holds a MBA from Washington University in St. Louis, and a BBA from Loyola University of Chicago.

Email: gml56@case.edu

 

 

 

 

 

How This Woman Reinvented Herself By Chasing Her Own Brand After 50, John Tarnoff talks with Lori on Huffington Post

For the Year of the Boomer — 2014 is the year the youngest Boomers turn 50 — here is another installment in my survey of 50 Boomers across 10 career categories who have reinvented themselves within the last 10 years.

“After 50, you have to chase your own brand, and become your own kind of leader.” This is Lori Bitter’s advice to Boomers contemplating (or being forced to contemplate) a career reinvention. Bitter has excellent credentials in this department, having “failed upwards,” as she puts it, through a series of high-powered executive positions in the advertising industry, and now running her own branding and marketing consulting practice called The Business of Aging. Learn More →

Reaching the Seasoned Traveler at the Educational Travel Conference, Jan. 19-22 in Orlando, FL

Later this week I’ll be at the The Educational Travel Conference (ETC), Jan. 19-22 in Orlando, Florida. ETC is the founding conference for Alumni, Museum, Zoo, Conservation, and Nonprofit Educational Travel. It hosts 450 delegates who are a highly-qualified international group of nonprofit travel planners, suppliers, specialty tour operators and destinations. They assemble to focus on the development, operation and marketing of group educational, experiential and affinity travel worldwide.

I am looking forward joining Kathy Dragon, Doris Gallan and Heather Hardwick Rhodes for several agenda sessions there on Friday Jan. 20:

  • Going Past 40: How Today’s Baby Boomers are Traveling and Making their Buying Decisions, 9:30 – 10:50 a.m.
  • Boomer Product Development: Go Broader, Go Deeper by Appealing to Core Values of the 40+, 2:30 – 4:00 p.m.
  • Prime Time Travelers: Diving Into The Digital/Social Component Of the Boomer Marketplace,  4:15 – 5:30 p.m

Learn more about The Educational Travel Conference (ETC) here.

Autumn Issue of C2 magazine: The Future of Caring

So much has changed since our last issue of C2! The one constant is that the economic outlook continues to provoke anxiety. Older adults appear to be faring better in some respects than younger generations, though our studies show they continue to live under a cloud of worry. Many are expressing this as the loss of the American dream for younger generations, particularly their children and grandchildren.

Continuum Crew has experienced positive growth as the mature consumer market continues to be able to spend on a number of products and services for themselves and their extended families. In fact, a new MetLife Report on American Grandparents (July 2011) notes that households led by those aged 55 to 64 increased their non-health related spending by an average of $11,700 over the past ten years, when their household income rose just $1,200. Further, in the same ten-year period 55- to 64-year-olds spent $7.6 billion on baby food, infant equipment and clothing, toys, games, and tricycles – a 71% increase. Household spending for the 25- to 44-year-old households with children present saw a far smaller rate of increase indicating that baby boomer grandparents are helping in all new ways. (Bureau of Labor Statistics Consumer Expenditure Surveys).

It has never been more important to listen carefully to consumers to understand what they want from products and services, and how they want to be engaged. Continuum Crew launched Crew Media earlier this year to purchase Eons.com – the only baby boomer social network. Founded in 2006 by Jeff Taylor, also founder of Monster.com, Eons has more than 800,000 members who have started more than 1,700 groups focused on their passions and interests. Learn more about it from community manager Ri Regina on page 13.

Also under the Crew Media banner is our partnership with GRAND – the digital magazine for the grandparenting lifestage. As a first-time grandmother to baby Gabriel McClain, I am proud to be GRAND’s new publisher.

Another initiative we launched this past spring is Move Beyond Age, a coalition of individuals and companies who are committed to making smart design a quality of life issue. We are encouraging companies to design better products and services for older consumers, which in turn create better experiences for every generation. Take a look at Jeffrey DeMure’s article on the Bookend Markets, Bill Yates on GreatCall, and Stephen Winner on the Silverado Story, for examples of companies and thought leaders who understand the importance of designing smart products and services.

Also new to Continuum Crew is The Business of Aging radio show on WeEarth Global Radio Network – WGRN. The show is also available here on our blog and on iTunes. In this issue we share our first show of the season, an interview with Patricia Lippe Davis from AARP Media Sales on her view of the mature consumer marketplace. We are currently in our second season and hope you will join our listenership as we talk about successful strategies for engaging consumers over 40.

With that, I am pleased to present to you our latest issue of 
C2 magazine, Issue 27, Autumn 2011

Thank you for your continued enthusiasm for our market and our work here at Continuum Crew!

Lori Bitter,
Editor-in-Chief, C2 magazine

Looking forward to ASA’s Aging in America Conference & What’s Next Boomer Business Summit next week

As you put together your schedules for these events next week, consider these ones where we can connect:

ASA’s Aging in America 2011

Tuesday April 26 – 1:00 – 4:00 p.m.
Boot Camp: Social and Mobile Media for Dummies

On the Friday, I also recommend you check out Barbara Waxman’s session ‘Developing Your Authentic Leadership Style‘, at 3:00 – 4:00 p.m. Barbara is a Bay-area based executive and life coach, this presentation is powerful stuff and I am always impressed by Barbara and her work.

What’s Next Boomer Business Summit

Friday April 29, 2011
Come by and visit us all day at our Continuum Crew ‘Chill-out & Relaxation Lounge’. Also between 10:00 – 11:00 a.m. Barbara Waxman will sit with us at our lounge’s comfy chairs, available to chat and we’ve asked that she bring a few complimentary copies of her book How to Love Your Retirement for some of the first guests at our lounge.

10:30 – 11:45 am | ASK THE ANALYST AND GET THE DATA
Social and Mobile Media Trends
Get onboard as online campaigns migrate from banners and email to social media and mobile apps – are magazine and TV ads history? Is e-mail marketing so last century? Is this Geolocation here to stay (and will the 50+ use it)?Are you ready for the change?
ModeratorJeff Makowka, Senior Strategic Advisor, Thought Leadership, AARP
Panelists:
– Bill Tancer, General Manager, Global Research, Experian Marketing Services
– Lori Bitter, President, Continuum Crew
– Jeff Hasen, Chief Marketing Officer, Hip Cricket

12:00 – 1:00 pm – Lunch with the Experts
I am a table host, and there will be a sign up sheet at registration. Sign up for mine and we’ll be having lunch together.

5:30- Networking Reception
Time to discuss an informative day!

The weather in San Francisco has been pretty nice the last couple of days – here’s to hoping it continues, I’ll see you here next week!

ADVantage, The 50+ Individual

Join me in New York City for AARP’s ADVantage event with AdAge, April 5th at The Lighthouse at Chelsea Piers. It is full of provocative speakers and a great agenda!

Why go? The needs and routines of today’s 50+ population continue to change rapidly, as more and more people live longer, start families later in life, and prolong retirement. These factors have created a world where those 50+ play an increasingly critical role by nature of their own decisions, as well as their influence on the decisions made by their children and older parents. AARP is exploring how the new 50+ population is impacting the face of the American family, and how to respond to its evolving needs, responsibilities, and aspirations.

So, to better learn how to serve, inform and engage Americans 50 and older, AARP, in collaboration with Advertising Age and Google, is producing Advantage: The 50+ Individual, to understand how to better serve, inform and engage Americans 50+.

Takeaways are:

  • Attain valuable insights into the wants and needs of the 50+ population from experts
  • Better understand how the 50+ individual’s role as influencer and decision maker for three generations of family (themselves, their parents and their children) affects the marketplace
  • Learn how to build greater relevance in these people’s lives by meeting their needs
  • Exclusive access to a white paper co-authored by AARP and Advertising Age – for addressing the 50+ population, and receive quarterly electronic communications from AARP with relevant updates
  • How to more effectively communicate with the 50+ population
  • White paper co-authored by AARP and Advertising Age (released in April 2011 with advanced copies to all attendees) on the behaviors and habits of the 50+ population

Who benefits from attending: The content of ADVantage: The 50+ Individual is aimed at brand marketers in corporate and social organizations such as: Marketing Brand Managers, Researchers, Media Planners and Buyers, Agency Account Managers, Entrepreneurs. It is for anyone looking to strengthen their brand’s position with the 50+ individual.

Register: here