Newsletter - Helpful Articleshttp://virginialootens.com/default.aspx?act=newsletter.aspx&category=Helpful Articlesen-us2017-08-19T08:07:20.303683-05:00The Basic Tenets of Elder Law and the Importance of Planning Aheadhttp://virginialootens.com/default.aspx?act=newsletter.aspx&category=Helpful Articles&newsletterid=1111/30/2012 12:00:00 AM<p>Elder Law</p><p>The legal needs of the elderly are many and diverse. As we age, some of the things that used to be so easy for us, are now becoming very difficult.AARP Studyhttp://virginialootens.com/default.aspx?act=newsletter.aspx&category=Helpful Articles&newsletterid=1011/4/2010 12:30:00 PM<P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal align=left><FONT color=#800000 size=4 face="Times New Roman">TRENDS IN HOME CARE-GIVING</FONT></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p><FONT face="Times New Roman">&nbsp;</FONT></o:p></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman"><FONT style="BACKGROUND-COLOR: #ffffff"><FONT color=#0000ff>A recent AARP study of current trends in home care-giving of older persons has presented some interesting results.</FONT> </FONT>(FN1)<SPAN style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </SPAN>First, the number of older persons over 65, with disabilities has actually declined between 1984 and 2004. <SPAN style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;</SPAN>Even though the number of older persons has increased, the disability rate of those elders has declined.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </SPAN>The total disability rate decreased among all age groups in the population of persons age 65 and over.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Details of the decline indicated that persons in the age category 75-94, for example, had less trouble with four or five Activities of Daily Living (ADL's), than before.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp; </SPAN>In other words, persons in this age bracket were reporting fewer categories of difficulty as they went about their daily routines.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN></FONT></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><o:p><FONT face="Times New Roman">&nbsp;</FONT></o:p></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman">Secondly, there was a significant decline in the use of institutions, such as nursing homes, by older persons.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp; </SPAN>Savings for the Medicaid program were estimated to be roughly $24 billion dollars.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp; </SPAN></FONT></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman"><SPAN style="mso-spacerun: yes"></SPAN></FONT>&nbsp;</P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman"><SPAN style="mso-spacerun: yes"></SPAN>Thirdly, the correlation is that there is an increase in the number of older persons with disabilities thst&nbsp;are&nbsp;<I style="mso-bidi-font-style: normal">living in the community</I>.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>That number, according to the study, increased by two-thirds between 1984 and 2004.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </SPAN>Furthermore, the growth in the older population living in the community with disabilities was especially strong among the oldest age groups.</FONT></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><o:p><FONT face="Times New Roman">&nbsp;</FONT></o:p></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman">The fourth trend noted by the AARP study is that the gender gap in disabilities is growing.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Disability rates have been lower and have declined more among older men than among older women.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </SPAN>And additionally, three-fourths of the growth among persons living in the community with two or more disabilities, was among women.</FONT></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><o:p><FONT face="Times New Roman">&nbsp;</FONT></o:p></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman">The fifth trend appears to be that married couples are not as likely to live in an institutional setting, and that they are less likely to have a disability.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp; </SPAN>Being married apparently has more benefit than simply being a good financial move.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp; </SPAN>A much higher percentage of married persons were able to live in the community with 2 or more ADL disabilities.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>As a matter of fact, disability rates were much lower for married respondents than for widowed or other unmarried respondents throughout the entire 20 year period.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN></FONT></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><o:p><FONT face="Times New Roman">&nbsp;</FONT></o:p></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman">Trend six has to do with the increased numbers of older persons who made assisted living facilities their home.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp; </SPAN>While the number of older persons living in institutions (considered to be nursing homes or other long-term care facilities) declined 11%, the number of older persons with disabilities living in community residential care facilities increased some 74%.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>A community residential care facility has many forms, but is often considered to be an assisted-living type facility.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>The number of older persons with disabilities living in a private residence with others increased about 12%.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Overall, it appears that some form of assisted living may be replacing nursing home care for a segment of the older population with disabilities.</FONT></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><o:p><FONT face="Times New Roman">&nbsp;</FONT></o:p></P><P style="LINE-HEIGHT: 200%; MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman">The final trend noted in the AARP study found that the growing numbers of older persons living in the community with disabilities have low incomes.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Three out of five older persons living in the community with two or more ADL disabilities reported annual incomes of less than $20,000.00.<SPAN style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp; </SPAN></FONT></P><P style="MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman"></FONT>&nbsp;</P><P style="MARGIN: 0in 0in 0pt" class=MsoNormal><FONT face="Times New Roman">FN1:<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>More Older People with Disabilities Living in the Community:<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Trends from the National Long-Term Care Survey, 1984-2004, Donald L.Interesting Statistics about Nursing Homes and their Residentshttp://virginialootens.com/default.aspx?act=newsletter.aspx&category=Helpful Articles&newsletterid=98/6/2009 12:00:00 AM<P>*&nbsp; In 2004, there were 1.7 million nursing home beds in the U.S. compared with 1.9 milliion beds in 1999</P><P>*&nbsp; The number of nursing home residents decreased from 1.6 million in 1999 to 1.5 million in 2004</P><P>*&nbsp; Mental disorders were the second leading primary diagnosis amoung residents at time of interview (22%).Understanding Guardianshiphttp://virginialootens.com/default.aspx?act=newsletter.aspx&category=Helpful Articles&newsletterid=74/1/2009 5:00:00 AM<P>There are mechanisms that allow family members to care for the needs of a senior loved one. Many see Powers of Attorney as the easy method and guardianship as the more complicated approach.Protecting Your Loved One's Assetshttp://virginialootens.com/default.aspx?act=newsletter.aspx&category=Helpful Articles&newsletterid=52/1/2009 3:00:00 AM<P>Caring for an aging loved one often goes beyond providing physical comfort and assistance. Frequently, elder care involves financial guidance as well.How to Identify Alzheimer’s and Dementia in Your Loved Onehttp://virginialootens.com/default.aspx?act=newsletter.aspx&category=Helpful Articles&newsletterid=41/1/2009 2:00:00 AM<P>According to the Alzheimer's Association, an estimated 5.2 million Americans have Alzheimer's disease - or about one in eight people age 65 and older. As we continue to live longer than ever before, that number is expected to increase to around 7.7 million in 2030 and an estimated 14 million in 2050.Long Term Carehttp://virginialootens.com/default.aspx?act=newsletter.aspx&category=Helpful Articles&newsletterid=611/1/2008 12:00:00 AM<P>Statistics say that long-term care is inevitable for over 70 percent of people over the age of 65. Knowing the options available can give you confidence in making long-term care decisions for your loved one.