Senior living june 2017

Senior

Living June

2017

The Marshall Democrat-News

Page 2B - The Marshall Democrat-News, Friday, June 16, 2017

Senior Living 2017 10 fun things to do this summer with your grandkids.....................

Top tips to live a healthier, more active lifestyle.......................

Smartphone market responds to senior users.................................

8 simple steps to help seniors better manage medications................

Tips to help families cope with alzheimeir’s..................................

Katy Manor earns 2017 Bronze National Quality Award......................

Care Connection observed Elder Abuse Day....................................

Shingles Vaccine cuts chronis pain, hospitalizations.........................

Gen. Manager: Sarah Reed Cover Design: Bretta Gerlt

Senior Living is published twice a year by

Advertising: Susan Duvall

Joaquin Cubero Abbey Milligan 660-886-2233

Cover photo credit: Getty Images

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The Marshall Democrat-News,Friday, June 16, 2017- Page 3B

Senior Living 2017

10 fun things to do this summer with your grandkids Taylor Gilkey Intern

Grandparents are special people. For grandchildren, that’s especially true during the summer when they’re no longer in school and have all of the free time in the world. Not everyone has the money to send their kids to summer camp, or go on a vacation, so what does that mean? Grandparents, this is your time to shine! Many grandparents worry about having things to do that they and their grandchildren will enjoy. Here are 10 things to do this summer with your grandchildren that can help make your time together memorable and special.

1. Tie Dye Ask parents to bring clothes that your grandchildren use as their “outside clothes” and make their clothes like new. There are many places to get tie dye paint, but in Marshall, it would be most easily found in Walmart. Don’t worry about a mess in the house, take the fun outside. This is a way for your grandchildren to show some creativity.

2. Plant flowers This is something that you and your grandkids could do every time they come to visit. This does not have to be an outdoors activity if you do not want it to be. Just get a small pot and a window, and indoors will be just fine. This can help teach your grandchildren responsibility in a fun way. By watering the plants and caring for them every day, it can create a sense of satisfaction for your grandchildren, knowing that they have created something beautiful with just a little discipline. One way to help your grandchildren see their progress, is to measure the plant’s growth once a week. This way there is something to look forward to, and something to work toward.

3. Make Bird Feeders Now, this does not have to be outdoors, but I would suggest this as an outdoor activity. Creating birdfeeders can be messy. You can create bird feeders with bird seed and common items around the house. For ideas, check pinterest.com where you can find even more fun things to do with your grandchildren this summer.

4. Bake

Baking is a great way to stay inside, relax a bit, and keep your grandchildren busy. You can make a variety of different things from cookies, to muffins, to even your own bread. This is a great time to show off your cooking knowledge and teach your grandkids how to cook. It is up to you if you trust your little ones to use the oven. There are also tons of tasty “no bake” recipes that can be found, if you do not want to get the oven involved.

5. Ice Cream in a bag There are several ways to make ice cream in a bag, and they consist of common household items.

Not only is it inexpensive, but it is also a fast process. It may not taste like the homemade ice cream that takes a lot of arm strength and patience, but it is a tasty treat that will keep the kid’s attention during the process. To make the ice cream in a bag you’ll need: 2 large sandwich bags, 1 small ziploc bag, ½ cup of milk, 1 ½ tablespoons of sugar, ½ teaspoon of vanilla extract , 2 trays of ice, 6 tablespoons of salt, and chocolate chips.

First, put the milk and sugar in a large bag and close. For more flavor, add vanilla or cocoa and chocolate chips. Next, put the ice and salt in a small bag. Then, put the small bag of ice and salt into the large bag. Finally, just shake the bag for 10 minutes or until the contents are mixed together and frozen. The bag will get cold.

6. Arts and Crafts Yes, arts and crafts may seem like the common grandparent activity, but it truly is something that kids enjoy. There are a variety of things to create that your grandchildren will be excited to show their parents once they are complete. From creating dream catchers to making paper mache puppets, there are tons of things to make that can also be used throughout the summer in other activities.

What a great way to get more “bang for your buck.”

7. Make a Scrapbook This not only for your grandchildren, but also a keepsake for you. They will grow up and do their own thing with their friends. A scrapbook is something that you can keep forever and reflect on the summers that you and your grandchildren spent together. This will give them something to constantly work on, as well as a reason and reminder

for you to take pictures. You will want to remember the exciting summers that you have spent with your loved ones, and a handmade scrapbook will make it more sentimental.

8. Create a Board Game Children have big imaginations and this is another way to put it to use. When you were younger, creating games was an everyday thing, that was the best part of the summer. Creating games is something that has been lost in the younger generation, let's help bring it back to life. Have your grandchildren create characters, rules and a board design. This is an activity that you can stretch over the entire summer, and then every time you all spend time, you play the board game that was created by you and your grandchildren. Make every time you spend together special.

9. Make a Fort This is an activity that would be great when your grandchildren spend the night. Find a space in the house, gather some blankets and pillows together and get creative. Make the fort a place for your grandchildren to play and sleep in. Once you have created the fort, put in a movie, pop some popcorn and settle in for the night. You can also tell scary stories inside the fort, or use it to play hide and seek. The games that can be made with the fort are limitless. After a while, the kids will come up with some of their own activities and redesign the fort millions of times.

10. Go to Your Local Library This is a great time to get some peace and quiet when you need it. Introduce the grandchildren to a fun place to learn. Here in Marshall, the library has different activities for young children to enjoy. On their website, they list the different days and times that they hold specific events for children. While the grandkids are waiting for those activities, they can read books and play computer games. Don’t be afraid to play a few computer games yourself and become familiar with how to use the computer.

This is also a time for you to find even more activities to do with your grandchildren.

Make the summer fun with different activities that you and your grandchildren can enjoy, bond over, and remember forever.

Page 4B - The Marshall Democrat-News, Friday, June 16, 2017

Senior Living 2017

Top tips to live a healthier, more active lifestyle well into your later years NAPSI—According to the Centers for Disease Control and Prevention, by 2030, one in every five Americans will be over the age of 65. Whatever your age now, it’s wise to prepare yourself mentally and physically for growing older. Adults today, the CDC adds, are looking not only to extend their lives, but to

enjoy a healthier, more active lifestyle well into their later years.

Here are a few simple tips to incorporate into your daily routine to ensure healthy aging: 1. Tailor your diet to include lots of organic fruits and vegetables, as well as healthy fats such as omega-3s, and limiting your intake of

processed foods and added sugar.

2. Exercise three to four times a week, including a mix of moderate-intensity activity like brisk walking or water aerobics, along with vigorous-intensity activities such as playing tennis or hiking. Adding strengthening activities that work all major muscle

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groups is important to consider, as well.

3. Work with your health care provider to introduce a foundational supplement regimen into your daily routine.

Nutritional supplements contribute to adequate intake of vitamins, minerals and other beneficial compounds such as antioxidants, resveratrol

and other phytonutrients to keep your cells healthy. In addition to multivitamins, other top supplements that are considered beneficial for healthy aging include: • Omega-3 fatty acids such as fish oil that help to balance inflammation and support joints, as well as cardiac and cognitive function

• A multistrain probiotic to support healthy gut bacteria, leading to improved digestion and strengthened immunity • Co-enzyme Q10, an antioxidant beneficial for cellular repair and increased energy.

Healthy aging is not

see Tips, page 5B

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The Marshall Democrat-News, Friday, June 16, 2017- Page 5B

Tips

continued from page 4B

exclusive for the older generations. Now, people across all generations are making long-term lifestyle changes to feel good from the inside out. Different age groups, however, have different needs.

The 30s: Whether focused on getting that next promotion or raising a family or both, many people in their

Senior Living 2017 30s find the demands of daily life require all hours of the day. Nutritional supplements, especially probiotics and those that boost energy and immunity, provide support for their fastpaced lifestyles.

The 40s: People in their 40s know that smart decisions today pay off later. In what is the peak career decade for many, 40-somethings want to stay sharp to make the most

of each day, but have developed an appreciation for simplicity. For them, supplementation often includes fish oil and plant-based proteins.

The 50s: Today’s 50s are not slowing down.

They’re all about vibrancy and continued growth. However, as the natural effects of aging begin to take their course, hormone levels often diminish, so it’s important to regulate levels of sex, thyroid

and adrenal hormones to feel and function your best. Also, supporting musculoskeletal system health can help enhance mobility and joint function.

The 60s and 70s: People in their 60s and 70s know that aging is about getting the most life out of their years.

During these decades, nutritional supplements can support healthy vision, cognition, and digestive

health.

Expert advice “Aging is a beautiful, healthy process,” explains Registered Dietitian and Director of Product Development and Education at Douglas Laboratories, Kristi Belohlavek. “With the right nutrition regimen, people can look and feel their best, no matter how many candles they’re adding to their birthday cake.

With a balanced diet,

exercise and proper supplementation, busy bees can stay mobile and active later in life, despite changes in muscle function and decreases in bone density.” Many of the top-quality supplements that can protect your health come from Douglas Laboratories, a nutritional supplement company dedicated to helping people lead healthier, active lifestyles well into their

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Page 6B - The Marshall Democrat-News, Friday, June 16, 2017

Senior Living 2017

Smartphone market responds to senior users BPT — Smartphone technology may seem complicated and flashy, but don't believe anyone who says it's only for the young. In fact, 73 percent of those 50 to 59 years old now own a smartphone, according to a 2016 survey from AARP. Going one step further, a recent study of smartphone user habits by the Pew Research Center concludes that 92 percent of those aged 50 and above now use text messaging, 80 percent use their phones to access the internet and 87 percent use them to send and receive email.

Still, a significant smartphone generation gap exists within the baby boomer set. While smartphone owners 50 to 59 regularly perform common daily tasks and even occasionally play a game on their smart-

phones, AARP's study noted adults 60 to 69 are far more likely to rely on a laptop or desktop computer for email or internet use, and tend to avoid apps and games altogether.

Obstacles to smartphone enjoyment It's no great mystery why certain baby boomers have been hesitant to fully embrace smartphone technology.

Traditionally, mobile phones have simply not been designed with seniors in mind. Rather, they are designed for the larger share of the market represented by younger users, who grew up playing high-tech games, surfing the web and using touchscreens.

Software interfaces are often not particularly senior friendly. Small

content size and busy screens can be difficult to read and comprehend.

The challenge of navigating multiple menu levels is simply not intuitive for many older users.

The small physical size of many devices, and the even smaller size of things like number keys and icons, present challenges that can make smartphones frustrating for seniors to use, and sometimes even seem a little intimidating.

Growing choices to satisfy senior needs Fortunately, the wireless industry has responded, and the gap is quickly being filled.

Savvy manufacturers and specialized carriers have recognized the potential of the senior market, resulting in more and better choices than ever.

Samsung's Android

smartphones, for instance, include a simplified version of its operating software designed to make navigation more convenient.

Called "Easy Mode," this optional setting is found in nearly every modern Samsung device. Easy Mode enlarges the size of text and icons, and allows users to put everything within easy reach on a single screen.

Most Android and iPhone models also offer options within the Settings menu that allow users to adjust things like font size and screen brightness to tailor the user experience to their specific needs. With any Android smartphone, users also have the option of downloading a third-party launcher from the Google Play Store, which provides big pictures and text to sim-

plify navigation.

There's even a growing segment of the carrier market focusing on seniors. Known for its affordable rates and excellent customer service, Consumer Cellular is a full-service, no-contract carrier that offers a range of specifically seniorfriendly smartphones for any skill level. Other carriers have gained popularity among older users by offering simplified smartphones with convenient emergency calling features.

Opening up new worlds Beyond a slight learning curve, there's no longer any reason for seniors to feel left out, or even limited, by smartphone technology. By integrating new, senior-oriented designs and features, today's

smartphone experience can be as simple and user-friendly as they need it to be.

The Pew study reveals just how integral smartphones have become to the lives of users over 50.

Going beyond standard uses, 39 percent in this age bracket also use their phones to access information about health conditions; 34 percent use them to do online banking. Fifty-five percent use smartphones for social networking, and another 55 percent use their phone's features for entertainment.

There are truly almost no limits on what can be done with a smartphone.

No longer a mere toy or gadget, it has evolved to become an indispensable modern tool. The good news for older users is that it is also now more accessible than ever.

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The Marshall Democrat-News, Friday, June 16, 2017 - Page 7B

Senior Living 2017

8 simple steps to help seniors, caregivers better manage medications BPT — Modern medicine can work wonders.

However, in order to be effective, medicine needs to be taken safely, according to prescribing guidelines, and patients and health care providers need to be vigilant about the dangers of drug interactions. When it comes to medication use, seniors take more prescription and over-thecounter drugs than any other age group, and they are most likely to experi-

ence problems because of their medications.

The average American senior takes five or more prescription medications daily, and many of them can't read the prescription label or understand the prescribing instructions, according to the National Council on Patient Information and Education.

"Unless they reside in a senior living community or have another form of assistance, it can

be very difficult for seniors to manage their own medications," says Kim Estes, senior vice president of clinical services for Brookdale Senior Living. "A lot of factors make medication management a challenge for seniors, including the sheer number of prescriptions many of them take in a day."

Management challenges While doctors prescribe medication to

treat a range of chronic conditions from arthritis to diabetes and high blood pressure, seniors may find managing their medications difficult for multiple reasons: • Many meds and many prescribers - Seniors who are on multiple medications are often prescribed to them by multiple doctors, who may or may not be aware of other medications the senior is already taking.

Taking a large number of

medications can increase the risk of a drug interaction that harms seniors' health, rather than helps them.

• Adverse side effects If a medication makes a senior feel ill, he or she may stop taking it.

• Lack of knowledge If they don't understand exactly what the medicine is supposed to do for them, seniors may feel they don't need it and discontinue use.

• Physical challenges -

Age-related physical challenges such as hearing or vision loss, dexterity issues or trouble swallowing can make it difficult for seniors to take their medications as prescribed.

• Cognitive challenges - Seniors with memory loss or dementia may forget to take their medications as prescribed.

• Cost - Even with

see Simple Steps, page 11B

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Page 8B - The Marshall Democrat-News, Friday,June 16, 2017

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The Marshall Democrat-News, Friday, June 16, 2017 - Page 9B

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Page 10B - The Marshall Democrat-News, Friday, June 16, 2017

Senior Living 2017

Tips to help families cope with Alzheimer's, mitigate tensions and relieve stress their wishes with a spouse or other family member, and only 24 percent had made financial plans to support themselves post-diagnosis.

BPT — Receiving an Alzheimer's diagnosis is never easy — it's life changing, not only for the person receiving the diagnosis but for their family members as well.

The disease can exact a devastating toll on family relationships unless everyone pitches in to support caregivers and take steps to secure the financial future of the person with Alzheimer's.

These are a few important takeaways from a new survey by the Alzheimer's Association.

The survey of more than 1,500 American adults, including current and former caregivers for someone with Alzheimer's, found that while 91 percent agreed

caring for someone with Alzheimer's or dementia should be a team effort, too many caregivers feel they're not getting the support they need.

Eight-four percent of caregivers said they would like more support, particularly from family, and 64 percent felt isolated and alone.

Family stresses "Caring for someone living with Alzheimer's can be overwhelming and too much for one person to shoulder alone," says Beth Kallmyer, vice president of constituent services for the Alzheimer's Association. "Without help, caregivers can end up feeling isolated, undervalued and lacking sup-

BPT

port from the people they want to be able to turn to for help."

The survey found relationships between siblings to be the most strained, stemming from not having enough support in providing care (61 percent) as well as the overall burden of caregiving (53 percent).

Among all caregivers who experienced strain in their relationships, many felt like their efforts were undervalued by their family (43 percent) or the person with the disease (41 percent).

Contributing to the stress were a lack of communication and planning; 20 percent of survey respondents said they had not discussed

Tips to help families navigate Alzheimer's Despite its seriousness, some families grew closer following an Alzheimer's diagnosis, according to the survey.

More than a third of those surveyed said caregiving actually strengthened their family relationships, and two out of three said they felt the experience gave them a better perspective on life. Relationships between spouses/partners benefited the most.

The Alzheimer's Association online Caregiver Center offers wide-ranging resources to help families navigate the many challenges associated with the disease. During June — Alzheimer's and Brain Awareness Month — the Association is offering tips to help mitigate family tensions and relieve caregiver stress, including: •Communicate openly — Establishing and

maintaining good communication not only helps families better care for their loved one with Alzheimer's, it can relieve stress and simplify life for caregivers, too. Families should discuss how they will care for the person with Alzheimer's, whether the current care plan is meeting the person's needs, and any modifications that may be warranted.

•Plan ahead — In addition to having a care plan for how to cope as the disease progresses, it's important to have a financial plan as well.

The survey found 70 percent of people fear being unable to care for themselves or support themselves financially, but only 24 percent have made financial plans for their future caregiving needs. Nearly threequarters said they would prefer a paid caregiver, but just 15 percent had planned for one, even though Alzheimer's is one of the costliest diseases affecting seniors.

Enlisting the the help of qualified financial and legal advisers can help families better understand their options.

•Listen to each other

— Dealing with a progressive disease such as Alzheimer's can be stressful and not everyone reacts the same way.

Give each family member an opportunity to share their opinion.

Avoid blaming or attacking each other, which can only cause more stress and emotional harm.

•Cooperate and conquer — Make a list of responsibilities and estimate how much time, money and effort each will require. Talk through how best to divide these tasks among family members, based on each person's preferences and abilities. If you need help coordinating the division of work, the Alzheimer Association's online Care Team Calendar can help.

•Seek outside support — Families can benefit from an outside perspective. Connect with others who are dealing with similar situations. Find an Alzheimer's Association support group in your area or join the ALZConnected online community. You can also get around-the-clock help from the Alzheimer's Association Helpline at 800-2723900.

The Marshall Democrat-News, Friday, June 16, 2017 - Page 11B

Simple steps continued from page 7B

Medicare and supplemental health insurance, many medications can come with a hefty price tag. Seniors may not be able to afford a medication their doctor prescribed.

Medication management made easier "Fortunately, seniors and their caregivers can take some fairly easy steps to help them better manage their medications,"

Senior Living 2017

Estes says. "These steps take a little time and effort, but they can go a long way toward helping seniors use their medicines more effectively."

• Most seniors take five or more medications a day, and those with severe health issues or who are in the hospital may take significantly more than that.

Make a list of every medication you take, what it's for, and what the pill actually looks like.

• Make a checklist of all

your medications. Every time you take a prescription, note the date, time and dosage on your checklist.

• If you have trouble reading the labels on your prescriptions or can't open the bottle, ask your pharmacist to provide your medicine in easy-to-open containers with large-print labels.

• Make a plan for getting your prescriptions.

You may decide to schedule a drive to the phar-

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macy every month on a certain day or have someone drive you there. You may also find an online pharmacy that can deliver your prescriptions to your home.

• When you go to the doctor, take your list of prescriptions with you, especially if you're seeing him or her for the first time. Your list will help the doctor know what medications you're already taking.

• Work with your doctors to see if you can re-

duce the number of pills you take by consolidating medicines. For example, if you take a pill to reduce water retention and a medication for high blood pressure, some prescription drugs combine both types of medicine into a single pill.

• A study by the University of Arizona found that having a pharmacist on a senior's care team helped keep seniors safer and improved their ability to take medications as prescribed.

Keep all your prescriptions with one pharmacy and get to know the pharmacists who work there. Your pharmacist may be able to help you spot potential drug interactions.

•Technology can help you remember to take medications on time. Set an alarm on your cellphone or download an event reminder app on your smartphone to help you remember when it's time to take your medicine.

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Page 12B - The Marshall Democrat-News, Friday, June 16, 2017

Senior Living 2017

Katy Manor earns 2017 Bronze National Quality Award Katy Manor, in Pilot Grove, is pleased to announce it is the recipient of the 2017 Bronze — Commitment to Quality Award, awarded to them for their dedication to improving the lives of residents through quality care.

The award is the first of three distinctions possible through the National Quality Award Program, presented by the American Health Care Association and National Center for Assisted Living, the leading association for long term and post-acute care. The program honors providers across the nation that have demonstrated their

commitment to improving quality of care for seniors and persons with disabilities. The AHCA/NCAL will recognize Katy Manor for this prestigious award during the AHCA/NCAL’s 68th Annual Convention and Exposition in Las Vegas, NM on Oct. 17, 2017.

“It’s an honor for the staff at Katy Manor to be recognized for their hard work and quality of care their team provides every day. We are proud of the staff at Katy Manor for being recognized at a national level, it is very well-deserved.,” said Kris Gibson, VP Business Development, at Tiffany

Care Centers.

Ms. Gibson also added “Tiffany Care Centers has always been committed to providing high-quality, personcentered care to our residents and their families since 1976. We are proud that we have been able to be part of the success at Katy Manor since its beginning in 1989 and have worked together to make Katy Manor such a wonderful community asset.

As a family owned company that has been in the industry for 40 years, we are very proud that all six of the facilities that we own/manage have all received this prestigious

award.” Nodaway Nursing Home, Maryville, received the 2017 Bronze Award.

McLarney Manor, Brookfield, Oregon Care Center, Oregon, MO and Tiffany Heights, Mound City, received this award in 2016 and Pleasant View, Rock Port received the Bronze Award in 2014.

Implemented by AHCA/NCAL in 1996, the National Quality Award Program is centered on the core values and criteria of the Baldrige Performance Excellence Program, which is the foundation of the metric-based AHCA/NCAL Quality Initiative. The program assists providers of long

term and post-acute care services in achieving their performance excellence goals.

The program has three levels: Bronze, Silver, and Gold. Providers begin the quality improvement process at the Bronze level, where they develop an organizational profile with essential performance elements such as vision and mission statements and an assessment of customers’ expectations. Bronze applicants must also demonstrate their ability to implement a performance improvement system.

Trained Examiners review each Bronze application to determine if

Money saving program at the senior center Taylor Gilkey Intern

Marshall Senior Center held a short benefits program June 1 to advise the different money saving options available for seniors.

Penny Humphrey, benefits counselor at Care Connections for Aging Services, gave a vari-

ety of tips to help seniors save money.

Humphrey travels to a total of 25 senior centers, counseling seniors on the different services that they are eligible for.

“The state and federal governments offer many programs to help seniors pay for health care, medications, utilities, food,

energy and even phones,” Humphrey said. “However, many people don’t even know these options exist. That’s why we are reaching out to people in our area to make the programs known and to help with applications.”

Humphrey started her presentation by going over the various

financial aids created for seniors, then she decided to have some fun with the information she hoped they would remember.

After going over a brochure of information, they all played a game in which they spin a wheel, answered a question and received a prize.

The senior center

also provides other services, such as health screenings, wellness and prevention programs, care m a n a g e m e n t , Medicare counseling, fraud prevention and long-term advocacy.

For more information about financial benefits, contact Penny Humphrey at 1800-748-7826.

the center has met the demands of the criteria.

As a recipient of the Bronze - Commitment to Quality Award, Katy Manor may now move forward in developing approaches and achieving performance levels that meet the criteria required for the Silver — Achievement in Quality Award.

“I commend Katy Manor for embarking on the journey to quality improvement,” said the AHCA/NCAL National Quality Award Board of Overseers Chair Alana Wolfe. “I encourage Katy Manor to continue to build on the strong foundation it has created.”

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The Marshall Democrat-News, Friday, June 16, 2017 - Page 13B

Senior Living 2017

More grandparents are raising grandkids: 3 things they need to know StatePoint — From single parents to traditional and multigenerational households, modern families come in all shapes and sizes. But did you know there’s an uptick in the number of grandparents raising grandkids? According to data from The Pew Charitable Trusts, 2.9 million grandparents were raising their grandchildren in 2015 compared with 2.5 million in 2005.

Oftentimes, grandparents become primary

caregivers due to unforeseen circumstances. Here are three things those taking on this responsibility should consider.

Protect their fnancial future A recent study found 30 percent of all households don’t have life insurance, according to LIMRA, a life insurance research organization.

Grandparents should be sure this coverage is up to date.

They might also consider purchasing term in-

surance — life insurance issued for a limited period of time. More affordable than a whole life policy, it provides financial security for the golden years, helps supplement retirement income and can assist with final expenses.

Keep them safe Accidental injury is the leading cause of death for children up to 14 years old, and more than a third of accident-related deaths happen in the home, reports Kid-

sHealth.

To create a safe living environment for younger children, secure large furniture to walls, purchase safety gates for staircases, and install outlet covers, corner protectors, security locks and appliance latches. It might also be a good time to update inhome safety features for grandparents, too.

Promote smarter driving As teens get behind the wheel, encourage them to drive safely. A

2015 statistic from the Centers for Disease Control and Prevention says six teens die every day in car crashes in the US, and this is the number one killer of teens. Distracted driving is the cause of 58 percent of teen-involved traffic crashes, according to the National Organization for Youth Safety. Remind grandkids about the dangers of texting, using apps and changing the radio station while driving.

Also, reevaluate your

auto insurance policy.

Talk to an agent about whether it makes more sense to add grandchildren to an existing policy or take one out for them specifically. Grandparents may be able to add grandkids as secondary drivers on a policy, but should be prepared to pay higher rates since teens may be considered high-risk.

Caring for grandkids can be overwhelming.

However, preparation can help ensure your family’s safety and security.

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Page 14B - The Marshall Democrat-News, Friday, June 16, 2017

Senior Living 2017

Are you banking on Social What to do to stop Security for your retirement unwanted phone calls (NAPSI)—If you’re a middle-income baby boomer, chances are you’re still struggling to recover from the financial crash that began in 2007. You’re not alone: According to a new study, only two percent of boomers feel the economy has fully recovered, and 65 percent say they have not felt personal benefit from any recovery.

If that sounds like you, then you’re also likely worried about where your retirement income is going to come from. According to the Bankers Life Center for a Secure Retirement, middle-income baby boomers are increasingly reliant on Social Security for their primary source of retirement income. Before the crisis, 43 percent planned to rely on personal savings or earnings for their primary source of retirement income. That number has dropped to just 34 percent, with the difference mainly moving to Social Security.

As generous as the program is, Social Secu-

rity was never designed to fully replace your wages. And the lesson from 2007 is to be prepared for anything.

There are many steps you can take to plan ahead, protect yourself and achieve the retirement you are looking for.

Understand what your retirement really looks like

While nearly all boomers say they still plan to retire, they are adjusting retirement expectations to meet their new reality. This new reality is primarily focused on a decrease in financial independence. To address this, try to: • Pay off debt: Debt payments should ideally be no more than 10 percent of your income when you retire.

• Work part-time: Whether you choose to work full-time, parttime or on a seasonal basis, employment income will relieve pressure on your other sources of income.

Meet with a financial professional

No matter what your savings level is, a professional can help you create an investment strategy that fits with your personal situation, and find savings products that can provide a reliable monthly income. Boomers who sought the help of a financial professional felt more confident in their financial decision-making and more optimistic about their retirement expectations.

Diversify your retirement

•Planning tools There are a wide range of affordable and secure options available to help you save for your retirement, provide income, and protect your assets. Annuities are designed to help you accumulate money for retirement or turn your retirement savings into an income stream. Other investment options to explore include mutual funds, IRAs and Roth IRAs.

StatePoint — Whether you use a landline, mobile phone or both, you’ve likely received those pesky robocalls — phone calls that use a computerized auto-dialer to deliver a pre-recorded message. As a consumer, here is what to know about this common annoyance to your home or personal line.

• Robocalls are often illegal. However, keep in mind that some robocalls are permitted, such as companies you have done business with under certain circumstances, medical appointment confirmations and school closing calls. Political and charitable calls are among others that also may be allowed, along with banks and telephone companies, provided those companies make the calls themselves.

Remember, many robocalls illegally disguise, or “spoof,” their Caller ID information or violate other rules.

• Advocates are working to mitigate the problem. For example, NTCA–The Rural Broadband Association and its members of more

than 800 independent, community-based te l e c o m m u n i c a t i o n s companies are working to provide information to the Federal Communications Commission (FCC) Robocall Strike Force to further develop and implement solutions to detect, assess and stop unwanted calls from reaching customers.

• Never respond to a robocall. The Federal Trade Commission (FTC) recommends that if you receive a robocall, simply hang up.

They also warn consumers not to press any number to speak to a live operator or to unsubscribe from the list, as this will tell the robocaller that it’s reached a live number.

• Don’t give out personal information: If you receive an unsolicited call from any company, including one you do business with, tell them that you will not give them information until you verify the call is legitimate. Then, call the phone number you know or that you get from the company’s website to confirm.

• Ask your phone

company to block the number. Your carrier may be able to block certain numbers, although robocallers frequently change and disguise their numbers.

• You can use technology to block calls.

Various companies offer products or services that help you control what calls ring on your phones. They range from mobile apps for wireless phones to devices you can plug into your home phone jacks in order to block robocalls to your wireless phone.

The FTC encourages consumers to report unwanted calls to www.donotcall.gov or 1-888-382-1222. Complaints may also be filed with the FCC online or 1-888-CALL-FCC (1-888-225-5322).

More information can be found at ntca.org/robocalls and fcc.gov/consumers/gui des.

As a consumer, you have more power than you may realize to control who calls you and when. Thanks to new resources, you can take concrete steps to help put a stop to robocalls.

The Marshall Democrat-News, Friday, June 16, 2017 - Page 15B

Senior Living 2017

Care Connection observes Elder Abuse Day Care Connection for Aging Service participated in World Elder Abuse Awareness Day on June 15 by distributing more than 1,400 magnets with the Elder Abuse and Neglect Hotline number.

“Elder abuse is never OK,” said Kathy RaySmith, Care Connection’s Regional Ombudsman director.

“And, while most people think of abuse occurring at the hands of strangers, it’s often the case that the perpetrator is a close family friend or relative. In addition, abuse can involve bullying, financial exploitation, and emotional abuse.”

That’s the message Ray-Smith wants to

send to elders across Care Connection’s 13 West Central Missouri counties.

Nationally, one in 10 seniors is the victim of some form of elder abuse.

People who think they may be the victim of abuse — or know a victim — may make a report to the Missouri Elder Abuse and Neglect hotline at 1-800392-0210. The hotline is operated by the state Department of Health and Senior Services.

To call attention to the elder abuse problem, Care Connection volunteers and staff are delivering purple refrigerator magnets and educational brochures to about 1,400 recipients of home-delivered

meals and those attending the senior centers.

The distribution of the magnets was made possible by a Thrivent Action Team grant from Rebecca Holland and Jeremy VanWey, of Warrensburg.

Care Connection for Aging Services is an area agency on aging serving 13 West Central Missouri counties, including Bates, Benton, Carroll, Cedar, Chariton, Henry, Hickory, Johnson, Lafayette, Pettis, Saline, St. Clair and Vernon. The mission is to provide resources and services that empower people to create healthy aging experiences. For more information, call 1-800-748-7826.

Shingles Vaccine cuts chronic pain, hospitalizations HEALTHDAY NEWS — Vaccination greatly reduces the risk of serious complications from shingles, a new study finds.

Shingles occurs when the same virus that causes chickenpox is reactivated later in life.

Nearly one-third of people in the United States will develop shingles. The risk increases with age, researchers said.

The new study showed the vaccine was 74 percent effective in preventing hospitalizations for shingles during the three years after vaccination. That number dropped to 55 percent effective after four or more years.

The immunization was 57 percent effective for preventing lasting pain in the three years after vaccination.

The rate

dropped to 45 percent after four years, the researchers said.

The findings were published recently in the journal Clinical Infectious Diseases.

"The fact that we found relatively high effectiveness against serious outcomes, such as hospitalization and [lasting pain], and that protection from these outcomes was sustained over time, adds to the considerable evidence that the vaccine is beneficial and that seniors should be encouraged to be vaccinated in higher numbers than what is happening currently," study author Dr. Hector Izurieta said in a journal news release.

Izurieta is with the U.S. Food and Drug Administration's Center for Biologics Evaluation and

Research. The FDA funded the research.

The study looked at information collected between 2007 and 2014.

The data included about 2 million Medicare beneficiaries. The researchers found that the vaccine seems most effective against severe cases of shingles requiring hospitalization and against chronic pain.

There didn't seem to be much difference in how effective the vaccine was between age groups.

But protection declined over time after vaccination, the researchers said.

The shingles vaccine was approved in the United States in 2006. At the time, studies showed that the vaccine reduced the risk of shingles by about half in people aged 60 and older.

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Page 16B - The Marshall Democrat-News, Friday, June 16, 2017

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