College Park Retirement Blog
Thursday, 27 April 2017 16:20

What Does Your Retirement Look Like?

Tennis Player Pete Sampras once admitted that retiring from his athletics career was “a work in progress.”It took him time to figure out what he wanted the years of retirement to look like. Perhaps you feel the same way, trying to figure out what to do with all the time and space in your life. Retirement is a major life change, and it can be hard to leave the routine of your career and family life behind. For Sampras, he realized he needed the structure in his day even if he wasn’t still training and competing. For you, finding a sense of continuity and purpose might look a little different. Here are a some ideas for how you can decide what you want your retirement to look like:

Like Pete Sampras, you probably have a pretty good idea of what has worked for you in the past. That’s one of the many beautiful things about aging. Perhaps it isn’t structure you crave, but some other aspect of your pre-retirement life. Reach back as far as you need to—even as far back as childhood. If you once loved horses, perhaps you could spend time volunteering at Agape Unbridled Hope. If you once enjoyed mentoring your employees and leading a team, you could consider aiding an after-school program. If, like Sampras, you miss structure, perhaps you should develop a new routine that shapes your day. Or if you are glad to leave your old schedule behind, you can work on shaking up your current routine by trying out new things.

Indianapolis senior hobbies gardening

Trying new things is a clinically proven way to increase your sense of happiness and satisfaction. You can take up a new hobby or try a new game like gardening, pokeno, billiards, or trivia. You can check out new eateries in Indianapolis, like Metro Diner Greenwood. Explore new places like Punch Bowl Social, which features bowling and bocce, if you like a little exercise along with your meal. Activity is also a great way to work something new into your day, whether it’s Tai chi, Laughter Yoga, or a stroll somewhere you haven’t visited before, like the Monon Trail or Indianapolis Cultural Trail.

There’s so much to do in beautiful Indianapolis, especially if you want to combine recreation with staying active. Take a walk through the National Art Museum of Sport and learn something new about how athletics are treated in art. Or explore the many acres of the Conner Prairie Interactive History Park. Staying active is beneficial for maintaining overall health and for general well-being. The World Health Organization recommends older adults exercise not only for their physical health, but cognitive well-being, too. One study by the NCBI showed a 37% reduced risk for cognitive decline in seniors who met minimum recommended exercise thresholds. The better you feel, the more time and energy you can dedicate to making retirement everything you dreamed it would be.

Remembering the past can also be helpful for defining your future. The act of remembrance itself can reduce stress and anxiety, according to a number of studies. Recounting either out loud or in a diary, scrapbook, or audio recording can not only reconnect you with your own sense of history and continuity, but be a wonderful way to share your story with friends and loved ones. One can also reminiscence to help you work through roadblocks, such as painful or challenging moments in the past that might be holding you back from what would let you live the way you want to live now. And by revisiting the past, you can strengthen your sense of self and identify how you want to spend your time, now that you have it in abundance.

Community is also essential to finding a sense of purpose. To be surrounded by other caring friends and neighbors helps reduce your stress. It’s always easier to meet your goals when you have support, and especially that of other people making the same life transition you are. Not only that, community can offer the same health benefits as exercise. A study in the New England Journal of Medicine found that recreation with loved ones can help seniors avoid the cognitive decline that comes with isolation. So, why not collaborate with those close to you? Go for a walk together, swap stories, or make a weekly date to volunteer together. With all of Indianapolis to explore, it can help to have a friend to take on the city. If you’d like to learn more about how Morningside of College Park can help you meet your goals, call (844) 511-3456 now.

Written by: Meghan O'Dea

Published in Retirement Communities

paying for assisted livingWhen a senior is no longer able to perform tasks of daily life without a helping hand, they can either rely on family caregivers or move to an Assisted Living community.

There are many options for getting the funds to pay for such a move, from selling a home to getting a Long term care insurance policy to applying for a monthly pension through the Veterans Administration. The challenge, however, is finding ways to afford to move a senior sooner rather than later, as some of these financial tools can take weeks or months to process application paperwork.

Bridgette Duber, Senior Vice President of Sales for Elder Life Financial, said her company offers a low-interest, unsecured line of credit to up to six people for three years to bridge the gap between moving and receiving funds.

“We offer multiple solutions,” she said. “One phone call and the senior has access to everything we can provide.”
Approval often comes within 24-48 hours, and the borrowers only have to pay back the accumulated interest, offered at a rate of 8.25%.

Such a “bridge loan” can pay for the costs of assisted living while an “aid and attendance” application makes its way to the Department of Veterans Affairs, or VA, for inspection and approval. The monthly federal pension helps pay the cost of assisted living with married veterans eligible for up to $2,123 a month.

Elder Life’s line of credit also helps pay the cost of living expenses while collecting on a Long-term Care Insurance policy or converting a life insurance policy to cover daily needs rather than final expenses.

“Companion Living” can stretch dollars further by lowering the cost of living in a senior community by taking on a roommate – a good option for those who actually enjoy the close companionship.

Use of Medicaid to pay for senior care can be a last resort for low-income seniors if they can meet the strict financial guidelines in order to qualify. Medicaid wavers come from specific state programs to provide care and support to individuals outside of nursing homes, which are more expensive than Assisted Living communities. Indiana’s program considers an applicant’s income relative to their cost of care.

Indiana Home and Community-Based Services Waivers allow Indiana Medicaid programs to pay for services that are provided in a community setting rather than a Medicaid funded facility or institution. Persons must qualify for institutional care in order to be eligible for the services.

Other government resources include Social Security, Supplemental Security Income, Survivors’ Benefits, and State SSI Supplementary Payments.

Those with personal property may apply their resources to pay for Assisted Living, take out private loans or use their home equity. Life insurance that’s converted to pay for care, Long Term Care Insurance, Medicare, and other health insurance goes to pay for senior care in many cases.

Long Term Care Insurance can be an attractive option because monthly premiums are known in advance, allowing seniors to build them into a budget. Such policies may also offer flexibility to meet a variety of needs. Most of these policies come with elimination periods during which time the senior is not yet eligible for any benefits, typically between 20 and 100 days, making a line of credit from Elder Life more important for the senior who wants to start enjoy life in an Assisted Living community as soon as possible.

To learn more about moving to MorningSide of College Park Senior Living Community, call (317) 872-4567.

 

Written by Steven Stiefel

Published in Retirement Communities
Monday, 29 June 2015 15:09

Indy Seniors Beat the Heat this Summer

indianapolis museum of artLate spring was very wet this year in Indianapolis, but now that the solstice has passed and summer is officially here, it looks like sunnier, hotter weather is ahead. That’s good news for an-yone who was beginning to feel like they had wound up in Seattle instead of Indiana, but it does mean some health and safety precautions need to be taken to avoid dehydration, heat exhaustion, and other seasonal maladies that can affect the very young, the very old, and anyone who spends a lot of time outdoors, from sports enthusiasts to outdoor pets.

The first trick to beating the heat is to stay inside. Plan activities like board games, scrapbooking, book club, crafts, or indoor exercise during the hottest parts of the day, from about noon to four in the afternoon. Staying indoors is also a great way to protect your skin from harmful UV rays during the part of the day when they are strongest. Save outdoor activities for the evening when it’s cooler— that’s a great time to tend to the garden, go to a baseball game, or take an after-diner stroll with loved ones.

Whether your summer fun is indoors or out, it’s crucial to stay hydrated. Elderly people and those with chronic illnesses are especially susceptible to dehydration for a variety of factors. As we age, our bodies naturally retain less water, and kidney function may be reduced. Some medica-tions can also compromise the body’s ability to retain water. Seniors also may experience re-duced thirst or trouble swallowing, affecting their desire for fluids. Sipping on water, rather than tea, coffee, or soda, throughout the day, regardless of cravings can keep you hydrated. In fact, by the time you feel thirsty, you are already critically dehydrated.

There are many more serious side effects of dehydration than thirst to be aware of. One of the benefits of being a Morningside resident is the caring staff members who are trained in identifying such symptoms and keeping residents healthy. However, friendly and family may want to take note, as heat exhaustion and dehydration can affect people of any age. Symptoms can include mouth dryness, infrequent urination or urine that is a dark or deep yellow, cramping in limbs, headaches, the inability to cry tears, a general feeling of weakness or malaise, low blood pressure, rapid but weak pulse, dry or sunken eyes, or change in pace of breath.

Spending time indoors out of the heat is a great way to reduce the chances of chronic or dan-gerous dehydration. Fortunately, Indiana is a great place to enjoy cool summer pastimes as much as fun in the sun. Grab a milkshake from Bub’s Burgers and Ice Cream after enjoying the exhibits and programing at the Indianapolis Museum of Art, Eiteljorg Museum, Indiana Medical History Museum, or the the Museum of Miniature Houses. Walk through a local shopping mall or go to see a movie to get a few extra hours of relief from the heat.

Indianapolis is a wonderful place to enjoy summer fun. You can pack in even more enjoyment simply by being safe and aware about how to stay hydrated and keep cool when temperatures spike! 

Written by Meghan O'Dea

Published in Active Senior Living

One of the best parts of retirement, and especially retirement at a senior community, is that so many things in your life get simplified. No more work, no more big house to maintain and keep clean, no more chores fro the most part. Instead, you finally get to focus on living life to its fullest. Still, even if there’s no more waxing linoleum and sheets to wash, a little spring cleaning can make your home feel as new and fresh as the season itself. We’ve got a few easy ideas for how you can air out your daily routine and make sure life goes extra smoothly all spring and summer long:

  1. Manage your medications. It can be easy to get boggled by all the different pills and timing each of your doses just as the doctor ordered. This is a great opportunity to remove any pill bottles past their expiration dates or that hold medicines you are no longer taking. Never flush or throw out unused pills, liquid medications, ointments, etc. They could harm the environment. The find out where you can safely dispose of unused medications, call the Indiana Department of Environmental Management's Office of Pollution Prevention and Technical Assistance at (800) 988-7901, extension 3-6660. They can advise you where the nearest drop off location is or when the next drug take back event will be held.
  2. Tax day has come and gone, so it’s safe to file away your financial statements and other paperwork. Be careful to shred any documents you don’t want to store or won’t need in the future— you don’t want to be a victim of identity theft! There are a number of shredding services in Indianapolis, including Shred Monkey and Just Shred that will ensure your private details stay just that, private. It’s also a good time to make sure your loved ones have the information they need to access your safe deposit box, accounts, and financial records in case of emergency.
  3. Swap out your winter clothes for spring and summer. You’ll want all your light things front and center in your closet and in the drawers of your dresser that are easiest to open. Store away your heavier things in the back of the closet, a bottom drawer, or in under-bed storage containers, garment bags, or vacuum pack bags. There are so many different organizational tools these days that a quick shopping trip to Target, Bed, Bath and Beyond, the Container Store or IKEA should have just the thing you need to keep your out-of-season items out of the way when not in use.
  4. Spring is a great time to attend to all the little errands or projects that you haven’t gotten around to, or didn’t want to tangle with in cold, wet weather. If your jewelry needs to be repaired or cleaned, for example, if there are winter coats or duvets that need to be dry cleaned, or houseplants in need of repotting, now is a great time to take advantage of the pleasant spring weather and tackle these tasks. Even better if you can do them with a friend or family member!
  5. Rearrange your space. Maybe over the winter you realized that your furniture isn’t quite in the right place, or that you have small frustrations as you move about the rooms. A friend or family member can help you move the big pieces to rework the space. If you’re worried about tripping on a rug, for example, you can take it up or reposition it away from a high-traffic area. Bedside tables could be swapped out for ones that line up better with the bed, and so on. There’s no reason to put up with minor inconveniences when a quick spring cleaning rearrangement can help to make the rest of your year worry-free!
Published in Active Senior Living
Friday, 27 February 2015 15:27

Walk Down Memory Lane In Indianapolis

Indianapolis seniors reminisceReminiscing is wonderful for many reasons. It can help keep your memory sharp, it can be a great way to spend time with loved ones, it can ease stress, and it can take you back to days gone by. If last month’s photos of Indianapolis in the 1960s and 70s brought back happy memories, now is the time to record them for yourself or for friends and family. Perhaps a child or grandchild, or a niece or nephew might help you with your memory project.

You could record your retelling of favorite stories and reminiscences with a simple cassette recorder or cellphone app. This could have an added level of excitement if you, say, attended a historic race, interesting moments in city history, or major concerts or exhibits that your friends and family were too young for and wish they had been able to attend. The added benefit to audio or video recording is that your loved ones will also have your voice preserved for years to come.

If recording your stories doesn’t appeal to you, you can jot them down in a notebook or journal. If you aren’t sure where to start, consider writing about your favorite photos, especially if they’re of an event, family members the younger generation might not have met, from a trip you took, or set in your hometown, like the information we shared about Indianapolis decades ago. Your friends and family will love having this record and you’ll have the joy of reliving some of life’s most exciting moments.

This is especially true as younger generations are highly nostalgic and interested in how things used to be. They might like some of the same musicians that you do, be curious about your records, or want to learn a skill like knitting, crocheting, or try their hand at family recipes. Sharing these things with them is a great way to combine an activity you can do together with a chance to talk and share your memories, all while making new ones.

Published in Retirement Communities

talking-about-an-indianapolis-in-senior-living-communityThe conversation about moving to a senior living community like Morningside of College Park should start before the onset of a health crisis. It can be a difficult talk to have, especially if started from scratch during a time of crisis.

A relatively healthy senior’s reluctance may result from fears about losing independence or having to give up their possessions if they downsize and re-locate. Grown children who want their parents to find a positive place to live and receive the care and attention they need should talk honestly but delicately about the topic, determining whether the worries are about a perceived lack of privacy, fears about the costs of care or worries about making new friends.

Preconceived notions of what to expect may be wrong as the parent learns how Morningside of College Park presents a cozy, enriching environment where residents their age can live with some level of independence, meet new friends, and lead fulfilling lives. Sometimes, just talking through these misconceptions isn't as powerful as seeing an elegant apartment with their own eyes. Safe and secure, Morningside offers the best of both worlds for independent seniors who are active but prefer to have someone cook and clean for them.

Highlight the positives and don’t tell a parent what to do. It needs to be a choice.

Talk to them about how worried you are, and how you’ll feel better knowing they’re comfortable and safe. Understand that moving to assisted living is a scary prospect for them. Grown children or other family caregivers simply can’t be at the parent’s side all the time to mitigate risks such as falls, accidents or lapses in memory.

Contact us at 317-872-4567  or schedule a free consultation on our website and join us for a free luncheon and tour. http://morningsideofcollegepark.com/index.php/indianapolis-retirement-home-amenities/indianapolis-independent-retirement-living

Published in Retirement Communities

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