WINTER 2020
e l ty s e f i l s s e l e g a t, n a br i For a v
4 TIPS
for a hassle-free vacation
A practical guide to DOWNSIZING
8 tips 1
for eating healthy & staying fit
Base your meals on higher fiber starchy carbohydrates
3
2 Eat more fish, including a portion of oily fish
4 5
Eat lots of fruit and vegetables
Eat less salt: no more than 6g a day for adults
7
Do not get thirsty
Cut down on saturated fat and sugar
6 8
Get active and be a healthy weight
Do not skip breakfast
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Only store in town that is LOCALLY OWNED & OPERATED.
2 | GENERATIONS • Winter 2020
Here for the young, and the young at heart. The best way to stay young is to stay healthy—and we’re here to help you do both. Whether you’re just starting a family or your kids are starting theirs, you can count on the outstanding care and attention of the internal medicine team at Alexandria Clinic to help you have your best years yet.
walking you through any new stage you encounter. To learn more, visit us at AlomereHealth.com/AlexClinic. We choose to live in this part of the world for the same reason you do—because we love it. We’re here for the long run so you can be too.
Alomere Health Alexandria Clinic Osakis Clinic Lakes E.N.T. Heartland Orthopedic Specialists
We have more internists on staff than anyone in town, and each one is committed to
Here for Life
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GENERATIONS
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for a vibrant, ageless lifestyle
TRAVEL
HOME
RETIREMENT
EDUCATION
16 16 16 18 18
Personalized trips Travel insurance: more expensive with age? 4 tips for a hassle-free vacation Traveling tips for smart seniors Top tour companies for traveling seniors
29 How retirees can make new friends
FAMILY
23 4 tips for being an awesome grandparent
HEALTH & WELLNESS 12 15 20 24 25 28 30
Sunday music at the center How to prevent and relieve lower back pain How to increase your appetite Stay happy and healthy as you age VR therapy: using technology to fight depression 11 questions to ask when starting a new medication Hospice: answers to the 8 most frequestly asked questions
5 Minnesota, Dakotas among America’s safest for seniors 10 A practical guide to downsizing 10 Making the residence transition easier 30 Adapt your home for a safer environment
7 4 reasons to go back to school as a senior 8 Spring Lecture Series begins in March at ATCC
RESOURCES
13 Alexandria Senior Center is there for you 19 Resources for Minnesotans 21 Douglas County Senior Services
FINANCE
6 3 tips for paying off debt after you retire 14 Protect yourself against long-term care costs 22 The right time to collect Social Security
FEATURE:
90-year-old makes one-of-a-kind greeting cards Page 26 4 | GENERATIONS • Winter 2020
Minnesota, Dakotas among America’s safest for seniors By Matt Sollid
Special to Forum News Service
North Dakota, South Dakota and Minnesota are among the safest states for senior citizens, according to a recent report. The team from The Senior List, an independent review website, released a study earlier this month ranking America’s safest states for seniors. The study scored each state as well as Washington, D.C., on
five separate categories: fraud; housing costs; people 65 and older living in poverty; violent injury and deaths; and seniors living alone in respect to the state’s population. North Dakota was ranked sixth-safest overall in the recent study. The state also was ranked No. 1 for the elderly being safe from fraud – Grandma and Grandpa can rest easy! – with 277 reported senior frauds per 100,000 people, the lowest rate in the
country. North Dakota’s highest reported frauds were identity theft and impostor scams. Minnesota ranked No. 4 safest overall in the study, with Minnesota having some of the lowest rates of the elderly population living in poverty (7 percent) and elderly violent injury or death (12.5 cases per 100,000 people). South Dakota, meanwhile, ranked No. 3 overall, while Wisconsin came in 10th in the study. Iowa was the safest state,
followed by Nebraska, for seniors. Florida, a popular destination for many snowbirds, was America’s most unsafe state for seniors, according to the study. New Mexico, Delaware, Nevada, Washington, D.C., and Arizona also ranked at the bottom of the list. The elderly in Florida are at a higher risk of fraud, high housing costs and violent injury or death when compared to the rest of the states.
Winter 2020 • GENERATIONS | 5
3
tips for paying off debt after you retire A reduction in your monthly income once you retire can make managing debt difficult. Here are three strategies that can help.
You may also be able to consolidate your debts (possibly by refinancing your mortgage) and thereby pay a lot less in interest.
1. Make a budget. When it comes to managing debt, the first thing you should do is get a clear picture of your financial situation by listing what you owe, your expenses and your income as fully and precisely as possible. Knowing how much money you make every month, how much you need to spend and how much you have left over will make it easier to determine where you can save money.
3. Maximize your revenue. Depending on your situation, you may want to consider returning to the workforce on a part-time basis. You should also make sure you benefit from every tax credit you’re eligible for, including those for home care and home improvements. Finally, spend some time advancing your understanding of how financial matters work to help you make more informed spending and saving choices. If you need more help, contact a professional. Many financial experts specialize in helping retirees.
2. Think about interest rates. Tackle debts with the highest interest rates first. Paying these down sooner rather than later will save you money.
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reasons to go back to school as a senior
If you’re looking for something to do when you retire, consider going back to school. It can be a challenging, engaging and fulfilling way to occupy your golden years. Here are some reasons it may be right for you. Financial benefits. Learning new skills at school could lead to you securing an additional source of income, thereby making your retirement more comfortable and keeping you busy to boot. If, for any reason, you need to stay employed after you reach the age of retirement, developing new skills or honing the ones you have could open the door to better jobs.
Be mentally stimulated. Research suggests that seniors who are mentally active are less likely to show signs of Alzheimer’s disease or dementia. Plus, taking courses can have beneficial psychological effects and provide you with something to focus on and work towards.
Fulfill your goals. Many people end up putting aside their youthful aspirations to deal with the financial realities of life. In this type of case, retirement could be an opportunity for you to pursue passions Avoid isolation. Social isolation is a seyou had to put on hold and complete rious concern for seniors and going back courses, or even a degree, in a field of 3.5” x 2.5” | Maximum 30it.pt to Font school canSize: help prevent Some classstudy you love.
es are specifically designed for older students, which allows you to learn new skills while building your network. Social connections can be a source of support and improve your overall quality of life. Many universities and colleges offer discounted rates for senior students, and you may be able to audit some classes for free. This information is usually available online. Otherwise, you can call the institution you’re interested in to find out more.
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your financial needs Scott Larson, AAMS® Financial Advisor
320-759-1174 323 Broadway Street Alexandria, MN 56308 www.edwardjones.com
Randy Witt
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Ruth Molloy A Ruth
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FinancialAAMS® Advisor Scott W Larson, Financial Advisor
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323 Broadway Alexandria, MN 56308 320-759-1174 320-759-3080 Cody Rieland www.edwardjones.com Financial Advisor
Larry Hanson
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Member SIPC Member SIPC Winter 2020 • GENERATIONS | 7
A HEALTH CLUB FOR THE
MIND:
Spring Lecture Series begins in March at Alexandria Technical and Community College
By Amy Sunderland
ATCC Director of Senior College
Alexandria Technical and Community College is home to a vibrant lecture series where scholars from around the state and beyond share their expertise on a range of topics. Individual sessions delve into history, economics, religion, political science or international affairs, each providing fascinating insights and context relevant to things that matter in our world today. ATCC established Senior College in 2006 in response to community interest in informative and challenging college learning without the pressures of tests, grades or degrees. Designed for adults 50+, Senior College is open to adults of any age. Participants range from age 45-97. Three “seasons” of programming include Fall and Spring sessions each offering 15 lectures and a January short course held over three weeks. All lectures are held on Tuesdays and Thursdays from 3:15-5:15 p.m. in the auditorium of the ATCC Information and Technology Center. It’s a most congenial setting and
coffee and cookies nourish the conversation. Senior College has hosted some of Minnesota’s best college professors. From the University of Minnesota, our flagship university, we have featured cutting edge research and initiatives underway to develop solutions that affect our lives. Professors also come from University of Minnesota Morris, University of Minnesota Duluth, College of St. Benedict and St. John’s University, St. Thomas University, St. Olaf College, Carleton College, Hamline University, Macalester College, Augsburg College, and the ATCC. The program showcases the excellent teaching and scholarship of Minnesota’s treasured colleges and universities – schools that have launched many of our residents, teachers and leaders. It is an exhilarating experience to be in the presence of public intellectuals who demonstrate a care for and attention to learning and dispel the myth of the “ivory tower.”
8 | GENERATIONS • Winter 2020
Fondly known as a Health Club for the Mind, lectures at Senior College leave us inspired to think, read and talk with each other. It demonstrates learning is exciting, challenging, relevant and it never ends. The 2019 January course, Women Running: Gender and Elections in 2020. On the 100th Anniversary of Women’s Suffrage, Dr. Claire Haeg, Professor of Political Science, College of St. Benedict and St. John’s University, will explore what the history of women in U.S. politics can tell us about
the 2020 presidential and congressional elections. That session is January 23-Feburary 6. The Spring Season begins with a free kick-off lecture on Thursday, March 12. Mark your calendar now and join in for another great season! Information on the Spring 2020 program will be out late January. For more information, please contact the Customized Training Center at 320-7624510 or 888-243-1313 or visit www.alextech.edu/SeniorCollege.
SENIOR COLLEGE SPRING 2020 LECTURES Beyond Extinction: On Nature’s Value and Causes for Hope, Dr. Kate A. Brauman, Institute on the Environment, University of Minnesota The New Green Revolution for Africa, Bill Moseley, Geography/Food, Agriculture & Society, Macalester College Are Birds Dinosaurs?, Van Gooch, Biology, University of Minnesota Morris Women in Classical Music, Past and Present, Members of the Lyra Trio, the Fargo Moorhead Symphony and faculty of Concordia College, Minnesota State and NDSU with Brad Lambrecht, CLSO In Search of Krazy Kat, Michael Tisserand – author of KRAZY, a New York Times notable book Border Crisis? Central American Immigration in Historical Perspective, Brian Larkin, History, College of St. Benedict/St. John’s University All the News That’s Fit to Ignore: Changing Audiences for Political Information Online and Offline, Benjamin Toff, Hubbard School of Journalism and Mass Communication, University of Minnesota
What’s Next on the Docket for Net Neutrality?, Christopher Terry, Journalism/Mass Communications, University of Minnesota The U.S. Supreme Court in a Polarized Age: Losing Legitimacy or a Stabilizing Force?, Patrick Schmidt, Political Science/Legal Studies, Macalester College Geopolitics and Global Governance, Tom Hanson, Diplomat in Residence, University of Minnesota Duluth Prescription for a Healthier Planet? A Strong Dose of Climate Justice, Jeff Anderson, Peace Studies, College of St. Benedict/St. John’s University The Trump Administration in Latin America: The Return of the Monroe Doctrine, Gary Prevost, Political Science, College of St. Benedict/St. John’s University What’s So Great About Shakespeare!--Act II, Roger Schultz, Drama, University of Texas/Austin My Love Affair with Willa Cather, Annette Atkins, History, College of St. Benedict/ St. John’s University Why We Need Poetry, Joyce Sutphen, English, Gustavus Adolphus College and Minnesota Poet Laureate
Winter 2020 • GENERATIONS | 9
A practical guide to
DOWNSIZING Any move can be challenging, but downsizing in particular can be tricky. Here’s a guide to help you navigate the process. 1. Choosing a new home. The first thing to do when downsizing is to choose where you’ll live. This decision will help determine which belongings you should hold on to, and how many of them you can bring along. Keep in mind that moving to a smaller house or a condo doesn’t come with the same limitations as moving in with family, an assisted living facility or retirement community. It’s therefore a good idea to weigh your options carefully. When choosing your next residence, consider your current needs and how they might change as you age. Open and honest communication between you and family members is the key to ensuring that you get the support you need and that your new accommodations meet your requirements. 2. Planning for the move. Start planning your move well before you put your house up for sale or give notice at your rental. Write out a detailed plan and make a list of the tasks that need to be completed. Assign those tasks to everyone
involved in the move. If you need to hire professionals to assist you, be sure to do so ahead of time. Being organized is the best way to ensure that your move goes smoothly. 3. Decluttering and sorting belongings. This step can be trying, both on a practical level and on an emotional one. However, the simplest way to approach it is to deal with one room at a time. Separate your belongings into five categories: keep, give away, donate, sell and throw out. To assess where a particular item should go, here are some helpful
questions to ask: •How necessary is it? •How often is it used? •Will it fit in the new space? •Does it have sentimental value? •Does it have monetary value? •Are there multiples? Don’t worry if the sorting process needs to be repeated. Give yourself the time and space to go through items at a pace that’s comfortable to you. Finally, if you feel overwhelmed or need more help, know that some companies specialize in helping seniors downsize.
Making the residence transition EASIER Any move can be stressful, but moving into a retirement home can be particularly daunting. Here are some things you can do to make the transition easier. BEFORE THE MOVE It’s a good idea to visit your new home before moving in so that you’re familiar with the place and know how to get around. You could also reach out to some of the residents to get more information regarding the ins and outs of the community. If you’re anxious, scared or overwhelmed, know that these feelings are completely normal. However, it’s a 10 | GENERATIONS • Winter 2020
good idea to talk to someone. Indeed, confiding in the people closest to you can be hugely beneficial. MOVING DAY Devote some time to personalizing your unit. Decorate it with the items you brought from your previous home to make it feel more comfortable. Surroundings that feel familiar and personal will help you feel like you belong. AFTER THE MOVE Don’t wait too long before mingling with the other residents. Even if you’re not entirely at ease, stay open to meeting new people and consult the com-
munity calendar to see if there’s anything that grabs your interest. Remember that the residence staff will be available to help if you need anything.
Are You or Someone You Know in Need of Home Repair Assistance? Coming to Alexandria, MN and the Surrounding Communities
July 5-11, 2020 BEFORE
Types of projects that will be considered:
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AFTER
For more information or to get an application, call (218) 685-7061, email katiel@wcmca.org or visit our website at www.WCMCA.org
APPLY TODAY! Site selection will begin in the Spring of 2020
Need Help Paying Your Heating Bills? Please contact our agency for more information on how to apply! 1-800-492-4805 Option 1, ext 1 or visit our website www.WCMCA.org
Contact West Central Minnesota Communities Action to request an application!
• Grants range from $200 up to $1,400. • Eligibility based on past 3 months income. • Average grant of about $580.
APPLICATIONS ARE NOW AVAILABLE Winter 2020 • GENERATIONS | 11
SUNDAY MUSIC at the center Submitted by Alexandria Senior Center The magic of sharing our rich cultural heritage with all ages has become a real focus at the Alexandria Senior Center. Alexandria is a strongly-knit community that is fairly small in size but rich in culture. Making the arts available to all ages by featuring the talents of the older population and filling the national definition of Sundays being the “loneliest day of the week” has evolved into free musical entertainment each Sunday afternoon. The program was instigated five years ago by Mikko Cowdery. Mikko is a wellknown musician in the area and he established a program featuring music by local musical and dramatic groups, performing from 2 to 3:30 p.m. on the second Sunday of each month.
12 | GENERATIONS • Winter 2020
A group of seniors who loved to dance decided to add a dance band once a month, on the fourth Sunday afternoon of the month. The availability of outstanding local talent allowed this process to grow to an offering every Sunday from Labor Day through Memorial Day. The benefits of music for all ages are well documented. While many of the benefits for child development may differ from those of seniors, there remains common paybacks. Music makes people happy, helps reduce stress and enhances memory. But most of all, music is fun! Marcia Gae Schmitt and Kathryn LeBrasseur head up “The Team” of volunteers willing to spend a couple hours enhancing the day. The Team opens and closes the facility for the performers and prepares popcorn and home-made goodies for the listeners. They also schedule the musical/ drama groups.
The center, located at 414 Hawthorne St. in downtown Alexandria, has no charge for this programming. A free-will offering is accepted to help reimburse the artists for some of their expenses and to help the center pay for improvements, including upgrading sound and lighting for the performing arts area in the community room. But no one is required to pay an admission charge. Groups of all ages are invited to come each week and enjoy the music. Music is a universal language and benefits all. Many of our artists are professionals. Some have organized intergenerational family groups to perform. All love to have an audience! We have seen a steady increase in community members attending, and The Team hopes to keep the audience growing as well as to keep providing entertainment on Sunday afternoons.
Alexandria Senior Center is there for you A wide variety of services and social activities are available for those 50 and older Did you know if you are over 50 years old, you are qualified to utilize the many services of the Alexandria Senior Center? Located at 414 Hawthorne St. in historic Downtown Alexandria, the center welcomes all. There is the Lorsung Art Studio, a variety of meeting rooms that anyone can rent, and a state-of-the-art commercial kitchen. There are activities and entertainment on a regular basis and there are also programs sponsored by AARP that utilize the Alexandria Senior Center space. In today’s world, the term “senior” has a totally different meaning than it did 40 years ago. If you were a “senior” 40 years ago, you were likely in your early 60s. Due to advanc-
es in medicine and improved health care knowledge, the average life expectancy is far greater than it was in 1977. According to www.data360. org, average life expectancy in the United States for men and women today is 82 years. In 1977, the average life expectancy was 77 years. Today, more and more Americans are living well into their 90s or even hitting 100. The Alexandria Senior Center was created in 1984 as a nonprofit organization. Then, and now, it is a local spot where seniors come together to enjoy cards, meals, special events and fellowship. While much has changed in the Alexandria Lakes region since 1984, the mission of the Alex-
FOR MORE INFORMATION on services and programs available at the Alexandria Senior Center, or to become a member, stop by 414 Hawthorne Str. or call
(320) 762-2087 andria Senior Center has not wavered. The Alexandria Senior Center has grown its membership to an amazing 840 members. Members currently receive many benefits, including a monthly newsletter, and reduced fees for meals, classes and facility room rentals. At the Senior Center, members have access to free Internet and Wi-Fi, and some qualify for annual free income tax preparation. Nutrition Services Incorporated provides onsite lunches five days a week for seniors, and also provides
the Meals on Wheels service for those unable to come to the center for lunch. The Alexandria Senior Center also has an extensive lending library and offers free computer and cell phone assistance for those seniors wishing to learn more about the digital world. There are many opportunities for entertainment and fun at the Alexandria Senior Center every month. From live music, card game groups and bingo to pool enthusiasts and birthday parties, there is truly something for everyone at the center.
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Winter 2020 • GENERATIONS | 13
Protect yourself against
LONG-TERM CARE COSTS By Edward Jones Financial Advisors If you’re fortunate, you’ll live independently and in good health throughout your retirement years. However, if you ever needed some type of long-term care, such as a stay in a nursing home, would you be financially prepared? To answer this question, you may want to evaluate two variables: your likelihood of needing long-term care and the cost of such care. Consider the following: • Someone turning age 65 today has an almost 70% chance of eventually needing some type of long-term care, according to the U.S. Department of Health and Human Services. • The average cost for a private room in a nursing home is about $100,000 per year, while a home health aide costs about $50,000 per year, according to Genworth, an insurance company. Clearly, these numbers are worth thinking about. If you needed several years of longterm care, the expense could seriously erode your savings and investments. And keep in
mind that Medicare typically pays only a small percentage of long-term care costs. Therefore, you may want to evaluate the following options for meeting these expenses: • Self-insure – You could “self-insure” against longterm care expenses by designating some of your investment portfolio for this purpose. However, as the above numbers suggest, you’d likely have to put away a lot of money before you felt you were truly protected. This could be especially difficult, given the need to save and invest for the other expenses associated with retirement. • Long-term care insurance – When you purchase longterm care insurance, you are essentially transferring the risk of paying for long-term care from yourself to an insurance company. Some policies pay long-term care costs for a set number of years, while others cover you for life. You can also choose optional features, such as benefits that increase with inflation. And most long-term care policies
have a waiting period between 0 and 90 days, or longer, before benefits kick in. You’ll want to shop around for a policy that offers the combination of features you think best meet your needs. Also, you’ll want an insurer that has demonstrated strength and stability, as measured by independent rating agencies. Here’s one final point to keep in mind: Long-term care premiums get more expensive as you get older, so if you’re interested in this type of coverage, don’t wait too long to compare policies. • Hybrid policy – A “hybrid” policy, such as life insurance with a long-term care/chronic illness rider, combines longterm care benefits with those offered by a traditional life insurance policy. So, if you were to buy a hybrid policy and you never needed long-
term care, your policy would pay a death benefit to the beneficiary you’ve named. Conversely, if you ever do need long-term care, your policy will pay benefits toward those expenses. And the amount of money available for long-term care can exceed the death benefit significantly. Hybrid policies can vary greatly in several ways, so, again, you’ll need to do some research before choosing appropriate coverage. Ultimately, you may decide you’re willing to take the chance of never needing any type of long-term care. But if you think that’s a risk you’d rather not take, then explore all your coverage options carefully. There’s no one right answer for everyone – but there’s almost certainly one for you.
Our residents agree...
Life looks great from here.
TM
ASSISTED LIVING 001814782r1
715 Victor St, Alexandria • 320-759-2132 VistaPrairie.org • facebook.com/windmillponds 14 | GENERATIONS • Winter 2020
How to prevent and relieve LOWER BACK PAIN Lower back pain is a common side effect of aging. Here’s how to go about preventing and relieving it. PREVENTION Good posture is essential for preventing lumbar aches, as is the position you sleep in. Try to sleep on your side with your knees bent. If you can only sleep on your back, a firm mattress can help to prevent back aches. In addition, maintaining a healthy weight can help reduce the amount of strain put on your spine. Try to exercise regularly, ideally by performing activities that are of moderate intensity. You should also try to avoid lifting heavy objects. If you need to pick one up, keep your back straight, use your abdominal muscles and bend your knees. RELIEF As much as possible, try to integrate physical activity into your daily routine that won’t impact your back. Swimming and walking are two good examples. Yoga and tai chi are also great low-impact activities that allow you to gently stretch and strengthen your muscles.
Consulting a physiotherapist is another good idea, as these professionals can teach you various stretches and exercises that will provide relief. Massage therapy and ibuprofen can also help you manage your pain.
If these methods fail and the pain persists, be sure to consult a healthcare professional, ideally before it becomes unbearable or spreads to other areas of your body.
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Winter 2020 • GENERATIONS | 15
PERSONALIZED TRIPS: Creating unique travel experiences
Are you the kind of traveler who likes to venture off the beaten path? Do you long to create memorable trips without the hassle of planning them? Enter the travel agent of the modern age: your partner in creating the customized experience you long for. A tailor-made experience. Whether you wish to wine and dine in Italian vineyards or hike through the Australian Outback, your travel planner can do the legwork involved in building an itinerary, one that’s truly tailored to your preferences, needs and desires. Typically, these experts work with local guides and organizations to ensure you
get a unique experience. How much they map out of your trip depends on you, but planning is typically comprehensive and based on the activities you want to take part in and how long you want to spend at each location. A convenient service. Beyond helping you create the perfect itinerary, your
TRAVEL INSURANCE: more expensive with age? If you’re 60 or older and would like to travel abroad, you’ll need to make room in your budget for travel insurance. However, the cost increases as you get older. Here’s what you should know. The price of protection. An insurance policy that costs $1,000 for a 65-yearold couple can easily double in price for a 75-year-old couple. This augmentation will typically occur even if
there aren’t any pre-existing health conditions. Insurance providers tend to assign a much higher level of risk to certain age brackets. How to shop around. Given the high cost of travel insurance, it’s essential that you shop around when planning your trip. Unsurprisingly, your overall health will have an impact on the kind of coverage you can get. This also applies to the basic travel insurance offered by credit card providers, the terms of which may change once you reach a certain age. The best thing to do before booking a trip is to speak to an insurance broker so they can help you get the best policy available.
16 | GENERATIONS • Winter 2020
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travel planner will take care of everything from plane tickets to hotel rooms, guides, activities, restaurant recommendations, car reservations and even private drivers. By working with an experienced agent, all you’ll need to do is pack and enjoy the adventure.
tips for a hassle-free vacation
Are you planning a trip? If so, here are four things you can do to ensure your holiday goes smoothly.
1
Book everything early. Reserve your hotel, motel or campsite as early as possible. The same goes for all plane tickets and car rentals. By booking things in advance, you guarantee that you have the best possible experience at the lowest possible price.
2
Double-check your documents. Make sure your driver’s license, passport and travel insurance are all up to date and won’t expire any time soon.
3
Think about your health. Visit your doctor to make sure you’re healthy and in good enough shape to travel. Depending on your destina-
tion, you may need to get one or more vaccines to protect yourself against foreign pathogens. Also, it’s imperative that you have enough medication for the duration of your trip.
4
Make sure your home is safe. While you’re away, mitigate the risk of your home getting burgled. Put your lights on a timer and have someone pick up your mail and perform basic upkeep so the place looks inhabited. Alternatively, you can get someone you trust to housesit. You should also avoid sharing information about your trip on social media until you’re back at home. By following these tips, you’ll be able to enjoy your trip to the fullest.
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Winter 2020 • GENERATIONS | 17
Traveling tips for smart seniors
Retirement can be the perfect time to travel the world. To get the most out of your adventures, keep these tips in mind. PACKING. Lighter is better, especially when traveling overseas. Doing laundry while traveling can save huge amounts of space in your suitcase and prevent you from having to drag heavy luggage everywhere you go. If you can get all your items into one carry-on, and then bring a smaller bag that can stack on top of your wheeled one, you won’t have to maneuver two bags separately. If possible, bring an extra pair of eyeglasses. WHEN TO GO. Off-season is the most affordable time to travel – usually April through mid-June and SeptemberOctober. This will allow you to avoid crowds and save money, as well as dodge the heat of the summer.
MEDICATIONS/HEALTH. When traveling, it’s smart to bring a full supply of all medications. Before traveling, you should also have a list of all your medications and their generic names and/or equivalents, especially when traveling overseas to avoid confusion. Make sure to leave your medications in their original containers. Don’t forget to bring extra batteries if you wear hearing aids. SIGHTSEEING. Plan ahead for your travel within cities. If you have mobility issues, consider a taxi or city bus, since subways can require extensive walking. If you plan to rent a car, make sure you disclose your age to the rental agency. Some car rental companies have upper age limits. Sightseeing is best later in the day to avoid crowds and to ensure cooler weather. IMPORTANT INFO. Bring along a small notebook or use
your phone’s note app to make reminders, such as your room number or your bus stop. You can also take photos of important information with your phone’s camera to keep track details. A C C O M M O DAT I O N S . Check out all the amenities of a hotel before you book to make sure they coincide with your needs. Ask if there are elevators rather than stairs, or if you have to walk up a steep hill to reach the hotel. Find out where your accommodations are located in regard to bus stops or train station. If you travel during off-peak times, you might be able to find alternative accommodations such as a house or apartment. INSURANCE. It costs more for seniors to purchase travel insurance, but many times it’s necessary. Check with your medical insurance to find out what’s covered and
remember – Medicare is not valid outside the United States except in extremely limited circumstances. It’s important to make sure that evacuation insurance is part of your purchase. The cost to be transported to adequate medical care can be costly in case of an emergency. FLYING. If you have multiple stops on your flight, consider checking your bag so you don’t have to wheel it through the airport. Be sure that you don’t check your medications and other important items with your bag. You can also request a wheelchair or electric cart when you book your flight. Make sure to stay hydrated on your flight, especially during long trips. Take short walks every hour to minimize your chances of getting a blood clot.
Top tour companies for traveling seniors Many seniors are experienced travelers and have high expectations when traveling and prefer smaller groups. Here are a few of the top companies that cater to seniors 50 and older, according to stridetravel.com, a search and review site for tours and adventure trips.
RICK STEVES. An expert on Europe, Rick Steves has detailed guidebooks and travel videos, and is recognized by many seniors for his quirky tours filled with humor, historical sites and great food.
ELDERTREKS. These worldwide walking tours are geared toward active, physically fit travelers ages 50 and older.
TRAFALGAR. Focusing on older travelers, Trafalgar leans toward large group tours and boasts reasonable price ranges. They include the major sites, but can be more in depth than basic tours.
GLOBUS. This company features bus tours on fully equipped coaches and knowledgeable guides.
ROAD SCHOLAR. If you’re looking for a learning experience when traveling, check out Road Scholar, which provides
18 | GENERATIONS • Winter 2020
cultural, learning and history tours led by experts in their field, including university professors and archeologists. The tours are geared to small groups for those 50 and older.
ABERCROMBIE AND KENT. Luxury is at the top of the positive list with Abercrombie and Kent’s African safaris, including private verandas and game drives.
BUTTERFIELD AND ROBINSON. Bicyclers will appreciate Butterfield and Robinson’s cycling tours, traveling through the countryside in various locations around the world. This company utilizes e-Bikes (electric bikes) that allow travelers to maintain a comfortable pace for longer distances.
VIKING RIVER CRUISES. The perfect way to explore many European countries, Viking River Cruises caters to its travelers with comfort and luxury, from the rooms to the cuisine and the level of service. For more information and reviews on these companies and many more, visit www. stridetravel.com.
Resources for Minnesotans MINNESOTA BOARD ON AGING The Minnesota Board on Aging is an organization with authority to assist older Minnesotans.
SENIOR LINKAGE LINE Senior Linkage Line is the Minnesota Board on Aging’s statewide information and assistance service. Senior Linkage Line at (800) 333-2433. MINNESOTA DEPARTMENT OF HEALTH The Minnesota Department of Health is the state agency with the authority to license hospitals, nursing homes, assisted living facilities and home health care agencies in Minnesota. Office of Health Facility Complaints P.O. Box 64970 St. Paul, MN 55164-0970 (651) 201-4201 or (800) 369-7994 www.health.state.mn.us MINNESOTA OMBUDSMAN FOR LONG-TERM CARE The Office of the Minnesota Ombudsman for Long-Term Care has authority to investigate complaints concerning nursing home, home care services, hospitals and other long-term care facilities related to the health, safety, welfare, rights and government benefits of people. Office of Ombudsman for Long-Term Care Elmer L. Andersen Human Services Building 540 Cedar Street St. Paul, MN 55155 (651) 431-2555 or (800) 657-3591 www.mnaging.net
Minnesota Department of Commerce 85 7th Place East, Suite 280 St. Paul, MN 55101 (651) 539-1500 or (800) 657-3602 www.mn.gov/commerce SOCIAL SECURITY ADMINISTRATION The Social Security Administration is the federal agency that has the authority to administer Social Security benefits. Social Security Administration Office of Public Inquiries 1100 West High Rise 6401 Security Boulevard Baltimore, MD 21235 (800) 772-1213 www.ssa.gov CENTERS FOR MEDICARE AND MEDICAID SERVICES The Centers for Medicare and Medicaid Services is the federal agency with the authority to run Medicare. Centers for Medicare and Medicaid Services 7500 Security Boulevard Baltimore, MD 21244 www.cms.gov FEDERAL TRADE COMMISSION The Federal Trade Commission (FTC) is the federal agency that has authority to take action against deceptive, fraudulent and unfair business practices in the marketplace. Federal Trade Commission Bureau of Consumer Protection 600 Pennsylvania Avenue NW Washington, DC 20580 (877) 382-4357 TTY: (866) 653-4261 www.ftccomplaintassistant.gov
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Minnesota Board on Aging Department of Human Services P.O. Box 64976 St. Paul, MN 55164-0976 (651) 431-2500 or (800) 882-6262 Senior LinkAge Line: (800) 333-2433 www.mnaging.net
MINNESOTA DEPARTMENT OF COMMERCE The Minnesota Department of Commerce has authority to regulate certain health insurance companies and third-party administrators, as well as financial advisors and securities, including companies that issue securities, securities brokers, and securities agents.
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How to increase your
APPETITE Have you noticed that your appetite isn’t what it used to be? A slower metabolism and decreased activity levels may mean you need fewer calories than you once did. Alternatively, certain medical issues and medications may cause your appetite to shrink. Plus, your taste buds can change as you get older, making meals you once enjoyed seem bland and unappealing. Though there may be perfectly legitimate reasons for the reduction in your appetite, not eating enough can lead to significant weight loss and malnutrition. Here are a few ways to make meals more appealing and to get the calories and nutrients you need. USE SPICES AND HERBS. Try to avoid using excessive salt and sugar to improve taste, as these can be unhealthy.
EAT WITH OTHERS. Some seniors find cooking for one difficult or lose their appetite due to depression or loneliness. If you’re faced with this issue, invite friends and family members to join you for meals. Alternatively, consider planning weekly meals with a church or community group in your area. PACK YOUR MEALS WITH CALORIES. A large plate of food may seem daunting when you’re used to eating small meals. Therefore, in-
Garfield • Alexandria, MN
20 | GENERATIONS • Winter 2020
If none of these practices help, meal replacement drinks can provide you with the calories you need to flourish. stead of upping your portion sizes, add nutrient- and calorie-dense foods to your meals and snacks like avocado, nuts, whole milk products and olive oil. EMBRACE FINGER FOODS. Do arthritis or shaky hands make using utensils difficult? If so, choose meals that can be eaten with your hands like sandwiches, fruit and pizza.
Douglas County Senior Services Douglas County Senior Services provides advocacy, information, assistance, program development and coordination of services to the over-55 population of Douglas County. The program provides outreach on many topics including advance directives, scams/frauds, identity theft, resources and housing information, matter of balance classes, chronic disease self management classes and information on advance care planning. The office also provides health insurance counseling on Medicare part A, B, C and D along with medical assistance information, and long-term care insurance assistance.It has an Alzheimer’s caregiver support group and a general caregiver support group, and works in conjunction with both the Douglas County Sher-
iff’s Office and the Alexandria Police Department on TRIAD, a group dedicated to the education of seniors of Douglas County in regards to fraud, scams and other crimes against the seniors. The NAPS (Nutrition Assistance Program for Seniors) is a supplemental food program for seniors that is free to all who qualify. Staff is available to come to your organization and offer presentations on a number of topics of interest to the senior population. FOR MORE INFORMATION Call (320) 762-3047 or visit http://www.co.douglas.mn.us/ dc/senior-resource-health.aspx for information on senior health resources or http://www.co. douglas.mn.us/dc/senior-hous-
ing-health.aspx for senior housing information. WHERE WE ARE LOCATED 806 Fillmore St., Suite 1195 Alexandria, MN (320) 762-3047 Located in the lower level of the Douglas County Service Center at the south end of the hallway by the Douglas County Library
MN License #=BC755252
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The right time to collect Social Security By Bonnie Meibers Forum News Service
Seniors can start taking Social Security the first month they turn 62. But is that always the most financially sound choice? Experts say there are several factors to consider before doing so. For those born between 1943 and 1954, the “full retirement age” is 66 years old. The full retirement age goes up two months every year after 1954 until 1960 when it is age 67, said Patty Hoffman, a public affairs specialist for the Social Security Administration. For example, the “full retirement age” for someone born in 1956 is 66 years and four months. Hoffman said seniors won’t get their full benefit if they begin taking it before full retirement age. “So if your retirement age is 66 and you start drawing your
benefits at age 62, it is a 25% reduction in your monthly payment,” Hoffman said. “For those whose retirement age is 67, they will see a 30% reduction if they start drawing their benefits at age 62.” The only exception to this is for widows and widowers. A widow can start collecting benefits at age 60, Hoffman said. THINGS TO CONSIDER People are living longer and therefore rely on Social Security checks for much longer than people used to. The big question might be how much income you will need in retirement. Some people who need health insurance wait until age 65 when they’re eligible for Medicare. That might be more true as prescription drug costs increase. Other things to consider are your general health or fami-
ly history, or if you anticipate lots of medical costs. How the Social Security benefit will impact someone’s taxable income is also something to consider. If a senior is under their retirement age, they are subject to an annual earnings limit. In 2019, that limit was $17,640 per year, meaning even if you haven’t reached full retirement age, you could earn up to that amount and receive all of your Social Security benefits. The Social Security Administration will take $1 for every $2 over that amount. When people reach their full retirement age, they can make as much as they want and draw Social Security without it affecting their Social Security benefit. ONLINE TOOLS Seniors can check the amount of their benefit online. Hoffman said the Social Security Administration has an
online calculator that can give seniors an estimate of what they could receive. “What’s nice about this calculator is that you can put in ‘what-if ’ scenarios,” Hoffman said. “You can put in if you’re going to work at 63, it will tell you what your benefit is going to be.” The calculator can be found at www.socialsecurity.gov/estimator. Social Security statements can now also be found online. “This can tell you what your benefit would be, what happens if you were to pass away, etc.,” Hoffman said. “These tools are extremely helpful in planning.” These statements can be found at www.socialsecurity. gov/account. Seniors can also call the Social Security Administration at 800-772-1213 for help with their benefits.
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We welcome referrals from physicians, discharge planners, social workers, family members, and case managers. For more information, to request an on-site evaluation of your patient, or to arrange a tour of our facility, please contact our therapy department at 218-338-1014.
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4 TIPS for being an awesome grandparent When it comes to becoming a grandparent, there’s something of a learning curve involved. Here are four tips to help you thrive in your new role.
1
BE AVAILABLE. Though family dynamics differ greatly from household to household, the most important thing you can offer is to be available for your grandchildren. In some cases, all that will be requested is that you watch them from time to time. However, some parents need a little more help.
2
RESPECT PARENTAL RULES. It’s important to talk to your grandchildren’s parents to establish ground rules as well as aspects of their routine that should be maintained when they spend time with you. Occasional changes are often welcome but try to avoid undermining their parental authority.
3
DON’T INTERFERE. Keep in mind that your grandchildren’s parents may not raise their little ones the same way you would. Let them approach parenting in their own way and provide input only when asked.
4
BE A POSITIVE PRESENCE. Children are sometimes more comfortable opening up to their grandparents than their parents, and it’s important that you make the effort to listen to them and take them seriously.
This will lead them to feeling loved and cared for and help them develop their self-esteem. Finally, do your best to find fun activities you can do together. The most meaningful thing you can do is give them your time, attention and love.
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Stay HAPPY and HEALTHY as you age Every year since 1991, the United Nations has recognized October 1 as International Day of Older Persons. It’s an opportunity to both reflect on
the impact our elders make on society and to raise awareness about the issues that affect them today.
Increasingly, seniors are striving to live healthy lives in order to more fully enjoy their later years. Here are some tips to stay sharp physically and mentally, no matter how old you are. Eat well. Choose nutrient-packed whole foods over those that are processed or refined. If you have trouble preparing meals, ask for help. There are many companies and organizations that can deliver meals to you. Stay connected. Studies show that seniors with active social lives have a decreased risk for dementia. Spend time with family, friends and acquaintances. Pets are also great companions.
Take care of your body. Get plenty of exercise, don’t smoke and only drink in moderation. Learn something new. Mentally stimulating activities help keep your brain healthy and may stave off dementia. Take a class, read a book or take up a new hobby. Get enough sleep. If you experience insomnia, there are ways to beat it. Go to bed and wake up at the same hour every morning, use your bed only for sleeping and avoid caffeine, alcohol and naps. Above all, try to laugh every day, even if you have to fake it at first. Laughing lowers stress levels, decreases your risk of heart disease and may improve your memory.
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VR THERAPY:
Using technology to fight depression Recent studies suggest that the use of virtual reality (VR) therapy may help fight depression. This unique approach offers patients access to VR programming that produces guided imagery delivered through a headset. During treatment sessions, they’re accompanied by a therapist through computerized environments and exercises that help them change patterns of thinking typically associated with depression. There’s a large body of evidence that suggests that meditation and guided imagery of various kinds can help preserve cognitive function and improve mental well-being. VR therapy combines these benefits with those of direct behavioral intervention. Michelle Craske, a researcher from the University of California, Los Angeles, published a study looking at the effectiveness of VR therapy. Compared to traditional treatments, which tend to focus on mitigating the negative symptoms of depression, VR intervention provides a positive experience to patients. People who participated in the VR sessions reported lower levels of depression than those who were only following traditional treatments. Though VR therapy is an emerging treatment for depression, research indicates that it can be a powerful tool in helping patients combat this mental illness.
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By Celeste Edenloff Echo Press reporter
Despite the fact that arthritis has settled into Betty Spellman’s hands, almost crippling her fingers at times, she spends the majority of her days handcrafting greeting cards. The 90-year-old intricately cuts out pieces of colored material, construction paper or even brown paper bags in all sizes and shapes, including individual flower petals, bows, leaves, candy canes, balloons, stars, garland and so much more. She then carefully glues them in place to make beautiful, one-of-a-kind, all original, all-occasion cards. Additionally, she does all her own drawings. Spellman, a resident of Nelson Gables in Alexandria, has been handcrafting her cards for about two years. She doesn’t just make them for family and friends, she makes them for the residents and staff at Nelson Gables. Two of her five children, Lynne Lommen and Lecia Baas, explained that when the weekly birthday list comes out at the assisted living facility, their mom finds out specific interests of each person and then creates a card specifically designed for that person. 26 | GENERATIONS • Winter 2020
90-year-old makes one-of-a-kind greeting cards
If I sold them, it wouldn’t be fun anymore. It would change the whole scene. It would be like work. I just enjoy making them and I like to bless other people with them. BETTY SPELLMAN Greeting card designer
For instance, there was someone who liked golfing so the card she made included a golf cart. Spellman’s daughters said the cards are “very personalized” and that sometimes, the card doesn’t make sense to anyone but who it was intended for. “They are all personal and all originals,” Baas said. In the past couple of months, she’s made about 60 Christmas cards, more than 10 birthday cards and a poster for one of the dining rooms at Nelson Gables. Her daughters said Spellman has always been crafty. She made clothes for all five of her children growing up. There were times when Baas and Lommen would come home from school and have all new bedding and curtains because Spellman wanted to sew for them.
Lommen said their mom would make her own patterns when she sewed. “She has always been creative,” they said. Spellman said she isn’t a TV watcher and making cards gives her something to do besides working on crossword puzzles or reading. Even though she may not consider herself an artist, Spellman likes to draw pictures and will often frame them and hang them on her wall. Because she was running out of room on her walls, it was Lommen who suggested she take up card making. She works on her cards just about everyday. Most designs are just made up in her head, but there are times when something catches her eye and she’ll make a card based on the design.
There was one time, she said, that a design on a woman’s sweater was so pretty that she couldn’t stop thinking about it and awoke at 3 a.m. and made a card with a similar design. She will typically draw the design first and then cut out each individual piece before placing it on the card. She guessed that it takes maybe an hour to make one card, but it would all depend on how her arthritis is. There are times when she has to take a break because her fingers just don’t want to work. Spellman said she loves to make the cards and that she doesn’t ever sell them. She’ll make them for people to give to others, but doesn’t charge for them. “If I sold them, it wouldn’t be fun anymore,” she said. “It would change the whole scene. It would be like work. I just enjoy making them and I like to bless other people with them.” Lommen said her mother’s cards are blessings for some residents as it could be the only birthday card the person receives. Spellman believes that creating the cards is what helps keep her mind alive and that the creativity of designing them is what drives her and keeps her making them. Besides making cards, doing crossword puzzles and reading, Spellman also loves to redecorate her apartment with the change of the seasons. And whichever activity she is doing, Lommen said you can hear the sounds of Frank Sinatra and Tony Bennett playing in the background. “I like it,” Spellman said. “I enjoy the excitement of creating the cards. It’s a lot of fun and it keeps me busy.”
Winter 2020 • GENERATIONS | 27
11 questions to ask
when starting a new medication Anytime you’re prescribed a new medication, it’s important that you understand its effects and how to use it. This makes it possible to avoid dangerous drug interactions and safely navigate side effects. You or your caregiver should ask your doctor the following questions when starting a new medication.
1
What’s the name of the medicine and why do I need to take it?
2
How often should it be taken, and when specifically should the doses be taken?
3 4
What’s the correct dosage?
Do I need to take it with food? Are there foods or beverages I should avoid when taking this medication?
5 6
How long will the medication take to work?
If I need to take the medication “as needed,” what does that mean?
7
Will the medication interact with other medications, supplements or vitamins I’m taking? Should any of these be discontinued or adjusted?
8 9 10
Can I drive when taking this medication? If I miss a dose, what should I do?
What are the possible side effects? Should some of them prompt an appointment or an emergency room visit?
11
Will I need a refill? If so, do I need a new prescription each time (as is the case with some opioids)? While it may seem excessive to ask so many questions, doing so will ensure your safety.
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How retirees can make new
Has your social circle diminished over the years? If so, it can be difficult to make new friends as you get older. Here are some tips that might help.
friends
BE PROACTIVE. Go out and meet people. Libraries, cafes and neighborhood gatherings are all ideal places to mingle. Alternatively, take a class that interests you, volunteer with a charity or join a club. SEIZE OPPORTUNITIES. If someone invites you to an event or on an outing, accept! Don’t make excuses just because you’re nervous. If you meet someone you like, make plans to see them again soon. BE INTERESTED. Listen to others and be interested in what they have to say. Smile, ask questions and don’t monopolize the conversation. KEEP IN TOUCH. Meeting new people isn’t the only way
to enrich your social life. It can be just as rewarding, if not more so, to get in touch with old friends. You may be surprised at how easily you’re able to reconnect.
There’s no shortage of ways to meet new people. Search the internet to find local groups and clubs that interest you.
Alternatively, take regular walks around your neighborhood. It’ll keep you in shape and you’ll get to know people in the area.
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HOSPICE:
Answers to the 8 most frequently asked questions Submitted by Knute Nelson
There are so many emotions surrounding end of life. And so many questions. This list has been compiled to help you and your loved one decide whether and when hospice works for you. Why consider hospice? When someone mentions the word “hospice,” how do you feel? Did the person whisper the word? There’s probably a mutual understanding: death is imminent. In most cases, this is true. According to a 2017 report by National Hospice and Palliative Care Organization, 41 percent of people were in hospice care for two weeks or less. In many cases this is unavoidable. But what if it didn’t always have to be that way? What if hospice meant more time? More experiences? The good news is that your loved one can be on hospice for up to six months when they have a diagnosis of less than a year to live. This time can help your loved one meet their end-of-life goals and make the most of the time they have with their family and friends.
1. What happens in hospice? The No. 1 priority in hospice is to keep your loved one comfortable. That means managing their pain and giving them the physical, emotional and spiritual support so that they are in control of their quality of life. 2. Who can receive care? Anyone who has an incurable condition with a year or less life expectancy can be admitted to hospice. (A physician’s order is required.) 3. How long can someone stay on hospice? Individuals can be on hospice for up to six months. After that, hospice may be extended for another six months. 4. Can my loved one get hospice care at home? Your loved one can get hospice care wherever they call home. 5. Does hospice provide support for families? Families can be on a roller coaster whether their loved one has days, weeks or months to live. Hospice helps lighten
the load on families so they can spend quality time with their loved one. 6. Will my loved one’s symptoms or pain be controlled? Your loved one’s care team will control their symptoms and pain as much as possible. Making them comfortable is their No. 1 goal. 7. Who will care for my loved one? The hospice team usually consists of: •Registered nurses •Home health aides •Physical, occupational and speech therapists •Social workers •Chaplains •Hospice volunteers •Massage therapists* •Music therapists* *Specific to Knute Nelson and not applicable to all other hospice agencies. 8. Who pays for hospice care? Hospice is typically covered by Medicaid, Medicare, veterans’ benefits and almost all private insurance policies.
ADAPT YOUR HOME for a safer environment Aging can impact your mobility, balance and strength. Here are some ways to help you make your environment safer and more comfortable. If you have rugs, fix them in place with double-sided adhesive tape. Make sure your furniture doesn’t impede your movements. Make certain your rooms are well-lit and install nightlights in the bathroom and along the path that leads to it. Install anti-slip stair runners, both inside and outside the home.
Wear slippers that adequately support your feet and have grippy soles. Place a small chair or bench near your front door so you can sit down to put your shoes on and take them off without falling. Get a firm mattress and adjust your bed so that it sits at the ideal height for you to get in and out of comfortably. Install a lamp or switch that you can easily reach from your bed. Make sure the light emitted fully illuminates your bedroom.
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Use light dishware and store often-used kitchen tools and appliances somewhere that’s easy to reach. Place your living room coffee table against a wall instead of in the middle of the room so that you’re less likely to trip on it. Install grab bars in the bathroom, especially near the bath and shower. Everything you need to make your home safer can be found at your local hardware store or pharmacy, as well as at medical supply stores.
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T I U N C
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X K Q Q R
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M Y H A T
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D E K S P
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C T B P T
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O Y H K R
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W I C E A
H K L N K
J S V S T
S I X R P
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I M H M O
N P I V E
N F I N D I N G T H E R I G H T C A R E Y R M K G W C E J K O Y B O F O U E B B K A V C L
B M E U V M S H O U L D N O T B E WH M N L Y W T I O I I X I V K H I C O H K L O S Z T D
R E N Y X T Q D M Z P
A
O O R X K
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T C T O U
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K S H S R
W H Z E R
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I S E E A
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