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Aging: Not Just For The Young Anymore

nursing home NJSome people don’t know how to cope with the effects of aging. When you finish reading this guide, you will learn strategies on how to age naturally and gracefully. You might be able to prevent some symptoms of aging from showing too much and reduce the process.

You may want to take resveratrol. Low-calorie diets may have a benefit in fighting the effects of aging, as shown in some studies. Better yet, resveratrol is a naturally occurring anti-aging agent found in nuts and grapes. The roots of the Japanese weed called Polygonum cuspidatum or Fallopia japonica also contains resveratrol. This extract is used often in supplements. Additionally, it can be extracted from Senna quiquangulata roots.

Keep your brain active by learning. As you age they say you are the most knowledgeable, so continue to always learn new things. Keep your mind active by doing puzzles or learning new skills and information.

During the aging process, it is important to eat a healthy diet. Your diet should be filled with whole grains, fiber, fruits and vegetables, and a minimal amount of cholesterol, trans fats and saturated fats. This is how you can give your body the proper nutrients it needs to remain healthy.  Assisted living NJ

As we age, we sometimes forget to complete our sentences, and we sometimes face even more serious problems. There may come a time that someone no longer wishes to take proper care of themselves due to their age. When this time comes, choosing a good nursing home or assisted living facility may become the right choice. This may not be the best option for everyone, but it may be the only one and is a reality to be prepared for. A nursing home or assisted living facility can provide the special assistance and medical care that is often needed in our later years.

You should try and pass on joy and happiness, no matter who you are with or where you are at. Making others smile will make you feel great. Happiness is free, yet priceless. Share it whenever possible.

Try to get a good amount of sleep each day. Most people need between seven and nine hours of sleep a night. Conditions like depression and heart-related illnesses can be linked to a lack of regular sleep.

Have fun! This is a great time for you to do the things you want and to make wonderful things happen. Find ways to savor each day and to take advantage of whatever life brings.

Don’t forget to drink enough water. As you grow older, you are more prone to dehydration. Consequently, it is more important than ever to drink a full eight to ten glasses of water daily.

Many people don’t fully understand the aging process, and some even have trouble accepting the fact that they are growing old. Using this article’s tips, you can learn how to age naturally and gracefully. This information will also enable you to avoid some of the damaging effects of growing old and to have greater control over the way that you age.

Medicare doesn’t have to be confusing

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YOUR GUIDE on the road to medicare

If you’re just beginning your Medicare journey, take the first step by exploring coverage options and how they work together with the Medicare Map.

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ANSWERS to the what, when and how of Medicare enrollment

There are certain times when you can sign up for Medicare–and you should enroll on time to avoid penalties. Explore Enrollment Periods at-a-glance to learn more. MMM-Slider-ResLib

IMPORTANT INFORMATION to help you on your way

Need some guidance? Browse our Resource Library. We’ve compiled a Medicare glossary of terms, helpful videos, informational graphics and a list of frequently asked questions to guide your search. MMM-Slider-MQC_promo

unsure about your CHOICES? we can help!

You don’t have to do this on your own. Get help from a trusted source that can help you think through your options and compare plans. Start with our Medicare QuickCheck™ to get a personalized report on your options and use that to start a conversation with a licensed benefits advisor.

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Find out how our partnership with the Aon Retiree Health Exchange™ meets the Standards of Excellence from the National Council on Aging and helps improve the lives of older adults.

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Webinar: Help people with Medicare stay healthy

Date: February 26, 2015

Time: 2:00 PM ET

Type: Webinar

Download the webinar presentation.

Access the webinar recording.

Did you know that more than half of the current Medicare population has two or more chronic health conditions? And that Medicare Part B covers over 20 preventive screenings and services to help identify health issues early?

This webinar looks at a range of services and benefits available to help keep people with Medicare healthy. You’ll learn about:

  • Which preventive services are covered under Part B.
  • The difference between the “Welcome to Medicare” preventive physical exam and Annual Wellness Visit.
  • The health promotion programs available to help your clients with chronic conditions and the benefits of connecting them to local community offerings. 
  • How to arrange for health promotion programs as a part of person-centered benefits counseling.

Presenters:

  • Melissa Simpson, Program Manager, Center for Benefits Access, NCOA
  • Cora Plass, Senior Director, CDSME Resource Center, NCOA

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What’s inside the President’s 2016 budget request

February 3, 2015

President Obama’s annual budget request once again presents a mixed bag for seniors.

It is unlikely to receive support from a Republican Congress, but the Administration’s preferences will be important when a final fiscal year 2016 (FY16) budget is crafted at year’s end.

The positive news is that the budget invests in a number of core aging services programs and omits cuts proposed in past years for key community programs. It also calls for eliminating the sequester, the automatic across-the-board cuts to discretionary programs that are slated to take effect again this year.

However, it is disappointing that the request once again includes Medicare proposals that negatively affect beneficiaries.

Administration for Community Living (ACL)

The FY16 request proposes significant new funding for Older Americans Act Title III programs, including:

  • $38.5 million more for Supportive Services and Senior Centers
  • $19.9 million more for Congregate Nutrition
  • $20 million more for Home-Delivered Nutrition
  • $20 million for a new nutrition modernization demonstration program which “would support competitive grants to translate research into evidence-based models states can use to implement more efficient and effective home-delivered and congregate nutrition programs” 
  • $5 million more for the National Family Caregiver Support Program
  • $15 million for a new Family Support Initiative, for the “development and expansion of promising and evidence-based state and local approaches to supporting the largest provider of our nation’s long-term care: families”

There are also increases for supportive services, nutrition and caregiver support programs for Native Americans, and additional caregiver support with more than double funding for Lifetime Respite.

The Administration continues its commitment to national funding for elder justice, with another $21 million requested for Adult Protective Services (APS). And after mandatory funding to maintain the investment in Aging and Disability Resource Centers (ADRCs) didn’t materialize last year, the Administration is now proposing to restore those resources at $20 million, entirely from discretionary funding.

Falls prevention, Chronic Disease Self-Management Education, Alzheimer’s Disease demonstrations and outreach, and State Health Insurance Programs (SHIPs), are level-funded in the President’s budget request for ACL.

Centers for Disease Control (CDC)

Falls prevention activities at the CDC National Center for Injury Control and Prevention are level-funded at $2.05 million in the FY16 request. These interventions also continue to be a focus in a number of states under the Core Violence and Injury Prevention Program (Core VIPP), particularly in Colorado, New York, and Oregon.

Medicare

The budget includes net Medicare savings of $423 billion over 10 years.

NCOA is disappointed in five proposals that would increase Medicare beneficiary out-of-pocket costs for new beneficiaries by about $84 billion over 10 years and significantly more in the following 10 years.

The biggest cost shift ($66.4 billion over 10 years) would further increase Medicare Parts B and D premiums based on income, which could eventually impact beneficiaries with incomes of about $50,000.  

NCOA is particularly disappointed in proposals that would increase out-of-pocket health costs in a manner that would harm sicker, lower-income seniors:

  • Starting in 2019, a new $100 Medicare home health copayment, which would primarily affect lower-income women with functional impairments 
  • Starting in 2017, doubling brand-name prescription drug copayments and reducing generic copays for beneficiaries with incomes below 150% of poverty, which could be particularly troublesome for sicker seniors who need more medications
  • Starting in 2017, gradually increasing Medicare Part B deductibles by $75, which would make it more expensive for beneficiaries to see their doctors 
  • Imposing a 15% premium penalty for seniors with first dollar Medigap supplemental insurance policies, including the most popular plans F and C, which would increase annual out-of-pocket costs by about $250 on average

Beneficiaries with incomes between 100-200% of poverty are not protected against these costs and already spend an estimated 26% of their income out-of-pocket on health care – more than any other demographic group.  

NCOA also is disappointed that the Administration did not propose to make the Medicare low-income protection Qualified Individual (QI) program permanent, but would only extend it from March 31, 2015 to December 31, 2016. 

However, the budget does include proposals to accelerate by three years the closure of the prescription drug coverage gap and improve Medicare appeals. 

Medicaid Home and Community Based Services (HCBS)

The President’s budget proposes several Medicaid HCBS improvements:

  • A new pilot program for “comprehensive” Medicaid long-term services and supports would authorize up to five states over eight years to design programs that remove the institutional bias and streamline existing programs.
  • Additional state flexibility on eligibility for the Community First Choice Option would allow states to extend eligibility to certain individuals who qualify for nursing facility services (individuals with incomes up to 300% of SSI) in more administratively efficient ways.     
  • Two proposals to provide additional state flexibility in the 1915(i) Home and Community-Based Services State Plan Option would remove administrative burdens to permit states to expand eligibility to certain individuals who meet needs-based criteria and allow states to provide full Medicaid to individuals accessing 1915(i) services.
  • A non-legislative proposal would allow the Secretary to implement a streamlined appeals process for dually eligible individuals being served in programs that integrate Medicaid and Medicare.

Other Department of Health & Human Services (HHS)

The FY16 request includes level-funding of $1.7 billion for the Social Services Block Grant (SSBG) and $3.390 billion for the Low-Income Home Energy Assistance Program (LIHEAP). Unlike recent years, no cuts are proposed for the Community Services Block Grant (CSBG).

Department of Labor (DOL)

In a reversal from recent year’s budget requests, the FY16 request does not propose any cuts in the Senior Community Service Employment Program (SCSEP), nor does it call for transferring it from the Labor Department to the Administration for Community Living.

A number of policy changes are outlined, including increasing participant eligibility from 125% of poverty to 133%, directing more program dollars toward skills training, and expanding resources for demonstration programs to support on the job training (OJT) innovations. Details continue to emerge, but it is clear that all these changes would require legislative action.

Department of Agriculture (USDA)

Two notable proposals related to older adults are contained in the Agriculture Department’s FY16 budget.

Recognizing that participation rates for low-income elderly individuals eligible for the Supplemental Nutrition Assistance Program (SNAP) continue to be much lower than average, $9 million is requested to enable states to streamline and simplify SNAP applications for these food insecure seniors.

Also, with the addition of seven new states to the Commodity Supplemental Food Program (CSFP), an additional $10 million is proposed to help address the increased demand. Over 90% of food insecure individuals turning to CSFP for nutritious food baskets are older adults, and the program will transition to seniors-only in the coming years. 

Department of Housing & Urban Development (HUD)

Similar to last year, the Administration is requesting $60 million for Housing Counseling, a $13 million increase over current funding, which includes resources for mandatory reverse mortgage counseling. An increase of $25 million is also proposed for the Section 202 Housing for the Elderly program.

Corporation for National & Community Service (CNCS)

In another reversal from the FY15 budget request, no cuts or consolidations are proposed in any of the Senior Corps programs.