NewsTribune_Retirement Assisted Living_062222

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Retirement & Assisted Living

est. 1851


Contents 3

How to involve more seniors in your community

12

Outdoor activities that are perfect for seniors

4

How to plan for medical emergencies

13

5

Safe ways for seniors to volunteer

What seniors should know about social media safety

6

Liberty Village

14

Wallace Center for Hearing

7

How to determine if it’s time to downsize

15

Home Instead

8

Qualities to look for in a post-retirement job

16

Simple strategies to stretch retirement savings

9

Safety upgrades for seniors’ homes

17

10

Why it pays for seniors to maintain good credit

The different types of dementia care professionals

How to create structure after retirement

18

Inside active senior living

11

19

Summer fun for active seniors

Published by: est. 1851

2 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication


How to involve more seniors in your community The negative effects of isolation is something the vast majority of the world can now relate to. The COVID-19 pandemic forced people from all walks of life and from every corner of the globe to spend less time with friends, family members, neighbors, and other acquaintances. As the world cut back on in-person interactions to curb the spread of the virus, billions of people recognized just how difficult feelings of isolation can be. Feelings of isolation are a problem many seniors know all too well. A report from the National Academies of Sciences, Engineering, and Medicine indicates that roughly 25 percent of adults aged 65 and older are considered to be socially isolated. That’s both sad and unhealthy, as the National Institute on Aging notes that research has linked social isolation and loneliness to problems such as high blood pressure, heart disease, anxiety, depression, and Alzheimer’s disease. Seniors are invaluable resources in their communities. Community leaders and local residents can make a concerted effort to involve seniors in local events. Such efforts strengthen communities and help seniors remain active participants in their towns and cities. • Promote senior-friendly volunteering opportunities. The importance of volunteers was never more apparent than during the pandemic, when many nonprofits and other organizations were forced to meet their missions without the assistance of volunteers who had been urged to stay home. Seniors were among the first people eligible to be vaccinated against

COVID-19 and receive boosters, and many have been anxious to get back to pitching in. Communities can facilitate those efforts by developing and highlighting senior-friendly volunteering opportunities. For example, libraries can start a program where seniors read to children in person or via Zoom. • Give seniors a chance to teach. Communities have rich histories that younger residents, including middle-aged adults, may be unaware of. One great way to shed light on local history is to invite local seniors to speak about how life in their communities has changed and how it’s stayed the same. Themed speaking series can attract locals with specific interests. For example, local veterans can be asked to share stories of their time in the service, while retired business owners can offer insight and advice on running successful local businesses. • Develop nature-based programs. A 2019 study published in the journal Scientific Reports found that spending just 120 minutes a week in nature is associated with better overall health and improved well-being. Nature-based community programs, such as planting days at local parks, hiking clubs or even beach or lakeside cleanups, is a great way for community residents, including seniors, to get their weekly dose of nature and spend more time with their neighbors. Many seniors routinely confront feelings of isolation. Community leaders can take steps to help aging residents by developing and promoting programs that are inclusive and senior-friendly. FP224839

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A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2022 3


How to plan for medical emergencies M

edical emergencies pose a significant threat to human health. According to the National Center for Health Statistics, unintentional injuries accounted for more than 192,000 deaths in 2020. That marks a significant increase since 2015, when NCHS data indicates roughly 146,000 people died from unintentional injuries. Unintentional injuries are not the only situations that qualify as medical emergencies, which also can result from sudden, life-threatening issues like heart attack or stroke. Knowing what to do in the wake of a medical emergency can reduce the likelihood that such instances end in tragedy. And though medical emergencies might be most often associated with aging men and women, such scenarios can affect anyone at any time. That means it’s in everyone’s best interest to learn how to plan for medical emergencies. • Document your medical history and keep printed documentation in an easily accessible place. Younger individuals likely won’t have as much documentation regarding their medical histories, including existing conditions, medications and even previous emergencies. But all individuals should print out a document that includes a brief rundown of their medical histories, and keep the document in an easily accessible place so caretakers, spouses or roommates can quickly find it and share all relevant information with first responders. • Pack an overnight bag. Aging men and women or young people with a history of illness and/or medical emergencies should pack an overnight bag or ask their caretakers to pack one for them. Include pajamas, personal toiletries and other care items, and even some books or activity books so you have something to do should you require an extended stay in the hospital. Include a spare phone or device charger in your overnight bag, as it’s easy to forget such items when you’re hurrying out the door in an emergency situation.

What are the warning signs of a medical emergency? No two medical emergencies are the same. But the American College of Emergency Physicians notes that the following are some warning signs of a medical emergency: • Bleeding that will not stop • Breathing problem, such as difficulty breathing and shortness of breath • Change in mental status, such as unusual behavior, confusion or difficulty arousing • Chest pain • Choking • Coughing up or vomiting blood

• Become CPR-certified. The medical experts at MedStar Health recommend that individuals take classes for first aid and CPR. Such lessons can save lives and help anyone experiencing a medical emergency get immediate attention until first responders arrive to administer additional care. Some organizations may offer free CPR courses, while others, including the American Red Cross, offer training at affordable prices. • Map out the quickest route to the nearest emergency room. Modern drivers are accustomed to relying

4 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication

• Fainting or loss of consciousness • Feelings of committing suicide or murder • Head or spine injury • Severe or persistent vomiting • Sudden injury due to a motor vehicle accident, burns or smoke inhalation, near drowning, deep or large wound, or other injuries • Sudden, severe pain anywhere in the body • Sudden dizziness, weakness, or change in vision • Swallowing a poisonous substance • Severe abdominal pain or pressure

on their car’s GPS systems to get from point A to point B. However, during a medical emergency it’s ideal if individuals or caretakers already know where the nearest hospital is and how to get there. That removes uncertainties from the situation and ensures that precious seconds won’t be wasted trying to get devices to connect with automobiles. Medical emergencies can affect anyone at any time. Knowing what to do in such situations can save lives and increase the chances of a positive outcome. TF221625


Safe ways for seniors to volunteer Charitable organizations rely on the efforts of volunteers to meet their missions every day. People of all ages can volunteer, and a great number of volunteers are seniors. A 2016 survey from the U.S. Bureau of Labor Statistics found that nearly one-quarter of American volunteers are age 65 and over. That was never more apparent than during the COVID19 pandemic, when many nonprofit organizations were suddenly forced to confront a volunteer shortage due to the adoption of social distancing guidelines that were designed to keep vulnerable populations, such as seniors, as safe as possible. One study from Fidelity Charitable found that two out of three volunteers decreased or stopped contributing time during the pandemic.

The rollout of various COVID-19 vaccines has allowed vaccinated individuals to return to a certain degree of pre-pandemic normalcy. However, the threat posed by strains of the virus like the Delta variant has made some seniors apprehensive about returning to volunteering. Though each individual should consider various factors before returning to volunteering during the pandemic, the following are some options seniors can consider as they aim to safely pitch in once again. • Look for contactless opportunities. Interactions with the people they help and work alongside is what drives many volunteers to lend a helping hand. That’s especially so for seniors whose children have grown up and moved out. In person interactions may be too risky

during the pandemic, but seniors can still volunteer via contactless opportunities. For example, in lieu of delivering meals by hand, seniors who work with organizations such as Meals on Wheels can deliver prepackaged meals outside recipients’ residences. • Pitch in with fundraising. A report from Giving USA released in 2021 revealed that Americans gave more to charity in 2020 than in 2019. That increase came in spite of an economic downturn that saw millions of people lose their jobs or take pay cuts as companies scrambled to deal with lost revenue related to the pandemic. Though giving might have increased in 2020, many nonprofit organizations, including local community theaters, likely suffered due to cancellations and

audience restrictions. As a result, many local nonprofit organizations are in need of financial support. Seniors who want to pitch in but stay safe can volunteer to help local organizations raise funds. Seniors can participate in fundraising efforts from the comforts of their own homes. • Offer professional expertise. Many seniors retired after spending decades mastering their crafts, and that experience can be an invaluable resource to local nonprofit organizations. Seniors can offer professional advice and mentor youths remotely via apps like Zoom without putting their physical health at risk. Seniors concerned for their safety can still lend a hand by volunteering with their favorite nonprofit organizations. GB21B444

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6 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication


How to determine if it’s time to downsize

Individuals work hard to save enough money to purchase their homes. And the hard work doesn’t end there. Once homeowners settle into a new home, they may set their sights on renovations that suit their individual needs. And even when buyers find a home that needs no such work, maintenance requires homeowners’ utmost attention. All that hard work is perhaps one reason why seniors may be a little reluctant to downsize as they advance through their golden years. In addition to the sweat equity homeowners put into their homes, all the memories they’ve made within their walls can make it harder to put a home on the market. Downsizing is a difficult decision that’s unique to each homeowner. Seniors who aren’t quite certain if downsizing is right for them can consider three key factors to make a decision that’s in their best interests.

• Cost: Perhaps no variable affects senior homeowners’ decisions to downsize their homes as much as cost. No one wants to outlive their money, and downsizing to a smaller home can help seniors reduce their monthly expenses by a significant margin. Even homeowners who have long since paid off their mortgages can save substantial amounts of money by downsizing to a smaller home or even an apartment or condominium. Lower property taxes, reduced insurance premiums and the

need to pay for fewer repairs are just some of the ways downsizing can save seniors money. • Space: Many people love the extra space that single-family homes provide. But seniors can take a walk through their homes and see how many rooms they still use on a consistent basis. If much of the home is unused, seniors can probably downsize without adversely affecting their daily lives. • Market: The real estate market is another factor to consider when deciding if

the time is right to downsize. A seller’s market can help seniors get the biggest return on their real estate investment, potentially helping them make up for meager retirement savings. For example, home prices skyrocketed across the country during the COVID19 pandemic, making that a great time for sellers to put their homes on the market. Seniors selling to downsize may capitalize on such spikes since they won’t be looking to turn around and buy larger, equally expensive homes once they sell their current place. If the market is down and seniors can withstand the work and cost a little longer, it may be best to wait until things bounce back in sellers’ favor. Downsizing requires careful consideration of a host of variables. No two situations are the same, so seniors should exercise due diligence to determine if downsizing is right for them. TF222686

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A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2022 7


Qualities to look for in a post-retirement job he notion of relaxing on a beach all day in one’s golden years is T still a retirement dream for millions of adults across the globe. But many individuals also harbor a desire to keep working after retiring. Whether it’s a volunteering gig or a part-time job retirees are looking for, certain qualities can make an opportunity uniquely suited to a post-retirement job. FLEXIBILITY: Retirees may be looking to contribute to their communities or simply earn a little spending money, but they will likely still want the freedom to travel or spend time with their families whenever they choose. So flexibility is something to look for in a post-retirement job. This is what makes consultant work so attractive to retirees. In-person hours may not be required of consultants, who can then offer their input while visiting their grandchildren or traveling the world. SOCIALIZATION: Though the ability to work from home can make it easier for retirees to earn some extra money, some seniors aren’t

concerned about their finances but want to work so they can get out of the house. In that case, look for a job that offers the opportunity to socialize and meet new people. Socializing as an older adult is a great way to fend off loneliness. In addition, one study published in 2007 in the journal of the American Public Health Association found that social support networks have a positive effect on cognition among older adults. So a post-retirement job that enables retirees to socialize could delay or reduce the severity of age-related cognitive decline. ENGAGEMENT: A job seniors find engaging also is more likely to provide the types of benefits seniors are looking for in post-retirement work. For example, researchers at Boston College’s Sloan Center on Aging and Work found that seniors who find a job or volunteering opportunity truly engaging are more likely to benefit psychologically from those experiences than those whose post-retirement work is not engaging. If seniors find themselves simply going through the motions

8 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication

with their post-retirement work, they can look for opportunities that they can be more enthusiastic about. PRESSURE-FREE: Regardless of what retirees did for a living prior to calling it a career, chances are they dealt with work-related stress. In fact, the American Stress Institute reports that 83 percent of workers in the United States suffer from work-related stress, while Statistics Canada reports that 62 percent of Canadian workers say work is their main source of stress. After a lifetime of confronting work-related stress, individuals who want to work in retirement should look for pressure-free opportunities. This is an important quality, as the ASI indicates that stress has been linked to increased rates of heart attack, hypertension and other disorders. The right post-retirement job may differ from what individuals looked for during their careers. Various qualities can combine to make for a post-retirement gig that benefits seniors in myriad ways. TF222692


Safety upgrades for seniors’ homes Many seniors want to spend as long as possible residing in the comforts of their own homes. According to AARP’s 2021 “Home and Community Preferences Survey,” more than three-quarters of U.S. adults age 50 and older prefer living at home. But getting older often comes with certain deficits that may not make current living situations the safest for seniors. Retirement Living reports that an older person is treated in an emergency room for a fall-related injury nearly once every 10 seconds. Falls cause millions of injuries and 32,000 deaths a year, according to the U.S. Centers for Disease Control and Prevention. Seniors may be affected by low vision, mobility limitations, cognitive decline, balance issues, and loss of muscle strength. Certain adaptations may be necessary if seniors want to stay in their homes, particularly in older homes that have not recently been renovated. CHANGE KNOBS TO LEVERS This is an easy modification. Levers are much easier for individuals with arthritis or persons who lack dexterity in their hands. Everything from doorknobs to faucet knobs can be replaced with levers. CREATE ZERO-THRESHOLD ENTRYWAYS Zero-threshold entryways, also known as flush entries, do not require crossing a lip or any raised barrier. They

can appear on doorways and showers and make it easy for people who have mobility issues, as well as those using scooters, walkers and wheelchairs, to move about unencumbered. CLEAR CLUTTER/MOVE OBSTRUCTIONS One inexpensive modification is to remove extraneous furniture and accessories. Such a change widens walking spaces in a room and accommodates walkers and wheelchairs. In addition, furniture can be pushed to the room’s perimeter to make moving around easier. It’s also important to remove

area rugs, as they’re often tripping hazards. INSTALL GRAB RAILS AND SUPPORTS Minimizing falls could come down to providing support in key rooms of a home. Adding grab rails in the bathroom near the toilet and in the shower can help a person use those facilities without assistance. Install a grab rail close to seating in the kitchen to add support. CONSIDER SMART LIGHTING Motion-activated or darkness-activated lighting switches and fixtures can automatically turn on lights, thereby improv-

ing visibility. Also, rocker light switches are easier to maneuver than standard toggles. INVEST IN A STAIRLIFT Single-story homes are preferable for growing older gracefully, but many seniors live in multi-story homes. A stairlift makes a multi-floor home more accessible, according to Elder, an eldercare service provider. Stairlifts make it easier to traverse staircases and reduce the risk for falls. These suggestions are just a few of the many home modifications that can help seniors safely age in place. TF226000

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A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2022 9


Why it pays for seniors to maintain good credit The benefits of maintaining good credit include looking more reliable in the eyes of prospective employers and securing lower mortgage interest rates when buying a home. Those rewards can benefit anyone, but they’re especially enticing to young people. But what about seniors? Do individuals stand to benefit significantly from maintaining good credit into their golden years? According to the credit reporting agency Experian, senior citizens tend to have the best credit scores of any consumer demographic. That could be a byproduct of years of financial discipline, and there are many benefits to maintaining that discipline into retirement. • Home buying and borrowing: Buying a home is often considered a big financial step forward for young people, but that doesn’t mean aging men and women are completely out of the real estate market. In its 2020

“State of the Nation’s Housing” report, the Joint Center for Housing Studies of Harvard University reported that the share of homeowners age 65 and over with housing debt doubled to 42 percent between 1989 and 2019. In addition, 27 percent of homeowners age 80 and over were carrying mortgage debt in 2019. Maintaining strong credit after retirement can help homeowners who still have mortgage debt get better terms if they choose to refinance their mortgages. Even seniors who have paid off their mortgages can benefit from maintaining good credit if they decide to downsize to a smaller home but cannot afford to simply buy the new home outright. • Rewards: Retirement is often associated with travel, recreation and leisure. Such pursuits can be more affordable when seniors utilize rewards-based credit cards that help them finance vacations, weekend getaways and other

expenses associated with traveling. Seniors who maintain strong credit ratings into their golden years may have more access to the best travel-based rewards cards than those whose credit scores dip in retirement. • Unforeseen expenses: No one knows what’s around the corner, but savvy seniors recognize the importance of planning for the unknown. The COVID-19 pandemic seemingly came out of nowhere, and among its many ripple effects was the sudden job loss experienced by seniors. The JCHS report found that 21 percent of homeowners age 65 and over had reported loss of employment income related to the pandemic. Unforeseen medical expenses also can compromise seniors’ financial freedom. Maintaining a strong credit rating into older adulthood can help seniors navigate such financial uncertainty more smoothly. Such a strategy

can help seniors secure low-interest loans or credit cards that can help them pay down sudden, unforeseen expenses without getting into significant debt. The importance of a strong credit rating is often emphasized to young people. However, a strong credit rating can be equally beneficial for seniors. TF223796

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10 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication


How to create structure after retirement • Embrace the idea of “bridge employment.” “Bridge employment” is the name given to the trend that has seen retired individuals take on part-time or temporary employment after they have retired from full-time working. COVID-19 has no doubt skewed post-retirement working statistics since the World Health Organization first declared a pandemic in March 2020, but a 2019 survey from the LIMRA Secure Retirement Institute found that 27 percent of pre-retirees with at least $100,000 in assets planned to work part-time in retirement. Even part-time work can provide enough daily structure to help retirees feel as though each day is not just a free-for-all. • Make a concerted effort to be more social. Volunteering and working are not the only ways to create structure in retirement. A concerted effort to be more social can help retirees fill their days with interactions with like-minded individuals who may be experiencing the same feelings. Join a book club, a local nature group that goes on daily or semi-daily morning hikes or another local community organization. These are great ways to build structure and meet new people. Retirees can create social media accounts to find local community groups that cater to their interests. Even if it seems hard to believe, plenty of retirees are seeking to create structure in retirement life, and social media can make it easier to find such individuals in your community. Structure and retirement may seem like strange bedfellows. But many retirees seek structure after calling it a career, and there are many fun ways for seniors to create more organization in their lives. TF222687

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Professionals typically look forward to retirement and the freedom that comes with it. The notion that commuting and deadlines will one day be a distant memory is enough to make anyone excited for retirement. But when the day to leave the daily grind behind arrives, many retirees admit to feeling a little anxiety about how they’re going to find structure. Retirement is a big transition, and Robert Delamontagne, PhD, author of the 2011 book “The Retiring Mind: How to Make the Psychological Transition to Retirement,” notes that some retirees experience anxiety, depression and even a sense of loss upon calling it a career. Some of those feelings can undoubtedly be traced to the perceived lack of purpose some individuals feel after retiring. Without a job to do each day, people can begin to feel useless. Overcoming such feelings can be difficult, but finding ways to build daily structure can make the transition to retirement go smoothly. • Find something to truly engage in. Professionals who truly enjoy their work tend to be fully engaged, so it’s no surprise if such individuals have a hard time adjusting to retirement. Some may suggest volunteering can help fill the void created by retirement, but researchers with the Sloan Center on Aging and Work at Boston College have found that only those individuals who are truly engaged in their post-retirement volunteering enjoy the psychological benefits of such pursuits. So before retirees dive right in to volunteering as a means to creating structure, they should first exercise due diligence and find an opportunity they’ll find genuinely engaging.

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A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2022 11


Outdoor activities that are perfect for seniors

he great outdoors beckons people of all ages. Fresh T air can be hard to resist and

the benefits of spending time outdoors are so numerous that it behooves anyone, including seniors, to answer the call of nature. According to researchers with the U.S. Department of Agriculture’s Forest Service, human beings benefit both physically and psychologically from spending time in nature. Such experiences can reduce stress and help lower heart rates, potentially decreasing individuals’ risk for cardiovascular disease. In addition, the Forest Service notes that spending time outside in green spaces has been linked to a lower risk of depression. Seniors who are retired or even aging empty nesters who are still in the workforce can make great use of their free time by venturing into the great outdoors. The following are a handful of senior-friendly outdoor ac-

tivities that provide a great reason to get off the couch and take in all that Mother Nature has to offer. HIKING: Hiking provides a great workout and an ideal opportunity to spend time in an idyllic setting. The U.S. National Park Service notes that hiking helps individuals build stronger muscles and bones, improves their sense of balance, has a positive effect on heart health, and can decrease the risk of certain respiratory problems. Hiking is an especially attractive outdoor activity for seniors, as many parks feature trails with varying degrees of difficulty, ensuring there’s a trail for seniors whether they’re seasoned or novice hikers. WATER AEROBICS: The Centers for Disease Control and Prevention notes that water-based exercises can be especially helpful individuals with chronic diseases, a category many seniors fall into. The CDC notes that one study published in the

journal Arthritis & Rheumatology found that improves the use of joints affected by arthritis without worsening symptoms. The U.S. Department of Health and Human Services also notes that swimming can lead to improved health for people with diabetes and heart disease. Seniors can reap these benefits by going for a dip in their own backyard pools or a local body of water, such as a lake or ocean. Many swim clubs also offer discounted memberships to seniors, making these another great and affordable way to reap the benefits of swimming. FISHING: Of course not all outdoor activities need to make seniors huff and puff. Fishing provides a great reason to get outdoors, and many individuals devoted to fishing report feeling less stressed after a day spent casting for their favorite fish. Individuals who consume what they catch also can benefit by improving their diets,

as the American Heart Association notes that consuming certain types of fish has been linked to a lower risk for heart disease and obesity. VOLUNTEERING: Local environmental groups often sponsor cleanups at parks and waterfront attractions like beaches and lakes. Volunteering with such organizations is a great way to get outside and give back, and working with like-minded individuals can be a great way for seniors to meet new people. In addition, a national study sponsored by the Corporation for National and Community Service in 2019 found that 88 percent of Senior Corps volunteers who initially reported a lack of companionship reported a decrease in feelings of isolation after volunteering. The opportunities for seniors to enjoy the great outdoors are endless. Taking advantage of such chances can benefit seniors in myriad ways. TF222695

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12 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication

801 E. Etna Road | Ottawa | IL | 61350 815-431-1400 | hw-ottawa-slf.com


What seniors should know about social media safety Seniors might not be the demographic individuals initially associate with social media. However, Pew Research notes that seniors’ social media usage has been steadily rising for a number of years, proving that individuals 65 and over are not tech-averse. Pew data from 2019 indicates that 46 percent of individuals 65 and older use Facebook. Social media platforms like Facebook and Instagram can be a great way to stay connected with family and friends and stay up-to-date on community events. But social media usage is not without risks, especially in regard to users’ safety. Seniors without much social media experience can heed these safety tips as they navigate popular platforms and discover all they have to offer. • Examine your account settings. Social media users can control their privacy settings so they can decide who can (and can’t)

view their online activity. Each platform is different, but profiles set to public generally allow anyone to view individuals’ activity, so seniors should set their profiles to private to limit access to their information. • Be mindful of your social media social circle. It’s easy to make virtual friends via social media, but seniors should be mindful of who they accept as online friends. Carefully consider each friend request and decide just how big or small you want your social media

tion plans. Seniors who post about upcoming trips could return home to find they’ve been victimized by criminals who scoured their social media accounts and learned when they were going to be away. A good rule of thumb is to keep personal information private and limit posts to information that is not overly specific or sensitive. • Recognize the threat posed by scammers. Social media platforms have had varying degrees of success in community to be. Many individuals prefer to limit their regard to keeping their sites scam-free. But scammers online social circles to indifind a way, and users must viduals they know well and take steps to avoid being want to stay in touch with, and that can serve as a good victimized. Never click on measuring stick when decid- a link within a post from ing whether or not to accept someone you don’t know and avoid anyone soliciting a friend request. donations through social • Avoid sharing personal media platforms. information. Seniors are no Seniors are engaging with doubt aware that they should social media more than ever. never share especially perSuch engagement requires sonal information, such as seniors to be mindful of the their Social Security nummany ways to protect their ber. However, seniors also should hesitate to share per- privacy when spending time online. TF222703 sonal information like vaca-

PROTECTING YOUR LOVED ONES

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A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2022 13


Hear Better to Live Better

Wallace Center for Hearing is located at 4127 Progress Blvd. in Peru. Wallace Center for Hearing opened in January of 2022 and has quickly become the leading hearing healthcare provider in the Illinois Valley. Wallace Center for Hearing is owned and operated by Audiologist, Beth A. Wallace, M.S. She has 22 years of experience as an Audiologist and has worked in the Illinois Valley area for most of her career. She has the medical background to appropriately diagnose, treat, and manage hearing disorders with a warm and caring personality to make your road to better hearing an enjoyable one.

Hearing loss is the third most chronic health condition behind arthritis and heart disease. Hearing loss is twice as common as diabetes and cancer. There are social and emotional effects of hearing loss such as depression, anxiety, self-isolation, and personal conflicts with others. There are physical effects of untreated hearing loss such as dementia and Alzheimer’s. Mild hearing loss doubles your risk of experiencing dementia and moderate hearing loss triples your risk of developing dementia. Severe hearing loss increases your risk of developing dementia 5 times. Patients with untreated hearing loss are also

3 times more likely to suffer from falls. Today, we have the technology and advancements available to effectively treat most hearing losses. No one should be suffering from hearing loss and the effects of hearing loss any longer. By treating your hearing loss, you will be improving your overall health. You will enjoy life again and your relationships with others will improve. You will have regained confidence and independence. Treating your hearing loss allows you to keep your brain stimulated and reduces your risk of developing dementia. You will have more energy at the end

of the day for other things. Seeking help for your hearing loss will be a positive experience at Wallace Center for Hearing. Beth Wallace, M.S. will guide you every step of the way from diagnosing, treating, and then continually managing and servicing your hearing loss. Treatment plans are individualized and unique to your needs. Wallace Center for Hearing specializes in assisting others to overcome their hearing loss. If you or a loved one is suffering from a hearing loss please contact Wallace Center for Hearing at 815-2233201 for a comprehensive hearing evaluation. Hear better to live better!

22 YEARS OF EXPERIENCE

BETH WALLACE, M.S., CCC-A

AUDIOLOGIST

ILLINOIS VALLEY’S TRUSTED AUDIOLOGIST

HEARING EVALUATIONS FOR ALL AGES • HEARING AID FITTINGS AND REPAIRS • CERUMEN REMOVAL

VISIT WALLACE CENTER FOR HEARING FOR ALL OF YOUR HEARING HEATHCARE NEEDS! We service all makes and models of hearing aids. New patients are welcome! We will honor your manufacturer warranty, regardless of where you purchased your hearing aids.

CALL TO SCHEDULE YOUR APPOINTMENT TODAY!

(815) 223-3201

4127 Progress Boulevard, Peru, IL 61354 • www.wallacecenterforhearing.com SM-LA1988544

14 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication


Home Instead® network provides personalized care Founded in 1994 in Omaha, Nebraska, the Home Instead® network provides personalized care, support and education to help enhance the lives of aging adults and their families throughout the United States and 14 other countries. The Peru franchise office was opened in 2004 by owner Christine Schouten and for over 18 years has been providing support services that enable seniors to live safely and comfortably in their own homes for as long as possible. Our team of Care Coordinators and nearly 100 Care Pros are working with clients in the communities throughout La Salle, Bureau, Putnam and Grundy Counties. In-home care services are an option for seniors as they are transitioning throughout the stages of aging. Many folks do prefer to remain in the comfort and familiarity of their own homes, although they are recognizing the need for assistance to maintain wellness and safety with their daily activities. Visits from our Care Pros alleviate the loneliness and isolation that can develop when an individual has lost a spouse or perhaps is no longer driving themselves to get out and about. We are a helping hand. Home Instead strives to partner

with each client and his or her family members to help meet that individual’s needs. Services span the care continuum from providing companionship and personal care to specialized Alzheimer’s care and hospice support. Also available are family caregiver education and

support resources. At Home Instead, it’s relationship before task, while striving to provide superior quality service. To discuss care for your loved one, contact Home Instead at 2218 Marquette Rd. in Peru, call 815-223-7970 or visit www.homeinstead.com/536.

Call (815) 223-7970 or visit HomeInstead.com/536 SM-LA1984433

A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2022 15


We Are Your Medicare Supplement Specialists Turning 65? It’s a big deal!

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Member of the National Association of Medicare Supplement & Medicare Advantage Plans. We are state licensed, servicing brokers that continue to be of service throughout the year.

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SIMPLE Strategies to Stretch Retirement Savings

Running out of money is a common concern among retirees. And that anxiety is not necessarily unfounded, as a recent study from the Society of Actuaries found that people routinely underestimate just how much money they will need in retirement. Similarly, a 2019 model created by the employee benefit experts at EBRI found that nearly 41 percent of households in which the head of household is between the ages of 35 and 64 are projected to run short of money in retirement. Such figures underscore how important it is for younger professionals to save for retirement, but what about current retirees or those on the cusp of retiring? Individuals who fit those descriptions may need to embrace these strategies designed to stretch their retirement savings. DOWNSIZE YOUR HOME. Homes are many individuals’ greatest expense, and that does not necessarily change in retirement. Downsizing to a smaller residence allows homeowners to pad their savings with money earned in the sale of their homes and also reduce their monthly overhead, as utilities, property taxes and maintenance expenditures are typically much lower in smaller homes than larger homes. LOOK FOR OTHER WAYS TO DOWNSIZE. Individuals also can stretch their retirement savings by downsizing in other areas. Lower monthly expenses by shopping around for less expensive auto insurance policies, downgrading cable television packages or cutting the cord entirely. And though individual streaming services may not be

SM-LA1988547

16 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication

too costly, these expenses can add up for individuals who have five or more subscriptions. Downsizing streaming services to one or two packages at a time can help individuals keep more money in their retirement savings accounts each month. BE FLEXIBLE WITH YOUR WITHDRAWALS. The “set it and forget it” model of retirement investing helps professionals avoid the tricky process of trying to predict the markets. Retirees may take the same approach when it comes to withdrawing their money, following the industry standard and automatically withdrawing 4 percent from their accounts each year. But individuals who want to stretch their savings should remain flexible with their annual withdrawals and routinely examine their spending habits. An individualized approach to retirement withdrawals can help retirees avoid taking more than they need out of their accounts each year. The 4 percent rule has its merits, but retirees should recognize that they may not need to take that much out every year. WORK WITH A FINANCIAL ADVISOR. Ensuring you don’t outlive your retirement savings can be complicated, as it often involves navigating fluid concepts such as inflation. A certified financial professional can help retirees plan for changes that are beyond their control and even recommend when certain risks might be worth taking. Many individuals will need to stretch their retirement savings in the years ahead, and various strategies can help individuals do so. TF222690


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The Different Types of Dementia Care Professionals

The World Health Organization describes dementia as a syndrome that causes a deterioration of cognitive function beyond what is typical of biological aging. Around the world, more than 55 million people live with dementia, and there are around 10 million new cases each year. Alzheimer’s disease is the most common form of dementia, but there are others, including Dementia with Lewy Bodies, vascular dementia and frontotemporal dementia, according to WebMD. People diagnosed with dementia may need to rely on a vast care network to help them through every stage of their condition. Here is a brief rundown of the various professionals individuals may interact with as they navigate life with dementia.

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FIRST RESPONDERS People with dementia may become confused and disoriented, and it’s common for them to get lost not far from home. Others may forget a reason for going to a store or may be unable to find their way back to a vehicle. First responders, such as emergency personnel, often step in to provide immediate assistance to someone who is lost or had an accident related to his or her dementia.

Enjoy Life to the Fullest

PRIMARY CARE PHYSICIAN A primary care physician likely will be the first person, apart from family, to recognize signs and symptoms of dementia. Primary care physicians may even help develop an initial care plan.

Let us make sure you have a financial plan in place that helps you enjoy your life to the fullest. We offer top-notch service and advice you need to build a plan that fits your unique goals and objectives. Trust. Integrity. Mutual Respect.

SPEECH-LANGUAGE PATHOLOGISTS Dementia can affect a person’s ability to communicate. Speechlanguage pathologists will work with their patients with language fluency, remembering words, cognitive communication, and feeding and swallowing therapies.

IN-HOME AIDES An individual with dementia may need assistance with activities of daily living (ADLs). Professionals can help dementia patients with ADLs, which may include bathing, dressing, and taking medications.

We look forward to serving you and encourage you to stop by.

PROFESSIONAL CARE PROVIDERS Professionals who have undergone specialized training and certification in dementias will have the most current, evidencedbased care practices information, according to the Alzheimer’s Association. They can work with individuals to provide the best care and quality of life.

RESEARCHERS

1701 4th Street | Suite 101 | Peru, IL 61354 P 815-220-0588 | TF 855-220-0588

Scientists continue to investigate the causes of Alzheimer’s disease and other dementias in an effort to reduce rates and find a cure. In addition to these individuals, nurses, dieticians, physical and occupational therapists, and others may assist individuals diagnosed with dementia. TF226049

benjaminfedwards.com 2021-0090 Exp. 01/31/2024 Member SIPC SM-LA1987710

A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2022 17


Having Trouble Hearing on your Phone? Illinois has a FREE Amplified Phone Program Land Line and Cellular

To Qualify...

• Illinois Resident • Active Phone Service • No longer able to use standard phone

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Check US OUT! itactty.org 800-841-6167

18 Gunia Dr. • LaSalle 815-224-3126 (Voice & TTY) 8:30am-12pm • 1pm-4:30pm Mon -Fri

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LOCALLY OWNED & OPERATED Commercial & Residential | Seatonville, IL Brad Kunkel Technician

CALL OR TEXT 815-894-2042

Matt Oberholz Technician

Hey! You can see your company’s future from here. As a growing business you’re always looking for an advantage. That’s where Wayland Financial Group can help. For over 10 years, we’ve been helping businesses of all sizes reach the next level. From medical and life insurance to employee stock plans and comprehensive retirement solutions, we’ll help you put together a benefits package that is tailored to your needs.And we’ll give you a level of personal attention that you deserve. After all, when you’re making your way to the top, we figure you can use every edge you can get.

Wayland Financial Group

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613 First Street LaSalle, IL 61301 815-224-1889

Insurance products issued by Principal Financial Group® are issued by Principal National Life Ins Co (except in NY). Principal Life Ins. Co. Securities and advisory products offered through Principal Securities, Inc. 800/247-1737. Member SIPC. Principal National, Principal Life and Principal Securities are members of the Principal Financial group, Principal Securities, Des Moines, IA 50392. Kathleen Wayland, Principal National and Principal Life Financial Representative, Principal Securities Registered Representative. Financial Advisor. Wayland Financial Group is not an affiliate of any company of the Principal Financial Group®. 813983-042019

Inside active senior living Housing needs may change as adults grow older and their children move out. Adults nearing retirement may want to reduce their cost of living and could find a big house is more than they need at this stage in life. According to the financial management resource The Motley Fool, in 2019 48 percent of seniors planned to downsize, while 52 percent wanted to remain in their existing homes. A lower cost of living could be the primary motivator to sell, but less house to maintain and the extra free time that comes with fewer chores can be powerful motivators as well. Many adults age 50 and older consider adult communities when seeking to downsize their homes. Senior home options are categorized based on the level of care they provide. “Active adult living” is a relatively new option that reflects a growing desire for residences that afford aging adults a chance to downsize their homes and engage in their favorite activities. Active adult living, leisure living or active adult communities include single-family homes, townhouses, condominiums, and other housing options within a community that offers an array of amenities and services. According to Retirement Living, residents in active adult communities enjoy country club settings with amenities like swimming pools, clubhouses, golf courses, exercise centers, walking trails, computer labs, hobby centers, and even on-site restaurants. Active adult living communities may provide transportation options and have their own travel clubs. Though active adult residences do not typically provide medical services, many communities are conveniently located close to local shopping centers and complexes, ensuring that the doctor’s office is not that far away. Other features of active living covered by homeowner’s association fees include outdoor maintenance like landscaping, snow removal and sanitation services. Security, internet service and cable also may be included in the monthly fees. Active communities emulate the benefits afforded by all-inclusive vacations, where day-to-day details are handled by management so residents can focus on fun and leisure. Unlike general neighborhoods, seniors may appreciate active living communities because they have access to an array of services within the community. Some promote a resort vacation feeling, while others may focus on sports or cultural life. What’s more, since age is restricted, residents know that many people in these communities have shared experiences. Active adult communities also are amenable to adults who like to travel. Residents get the peace of mind to lock up their homes and leave knowing lawns will still be mowed and shrubs trimmed — removing signs that the residence is unoccupied. This is an ideal situation for a snowbird who spends time in a different location for part of the year. Active adult living is the relatively new kid on the block for senior communities, filling an important niche for independent retirees and near-retirees. TF222698

18 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication


Summer fun for active seniors Seniors may have more time for leisure and recreation than working adults, and the summer months provide ample opportunities to get active. After months of chilly temperatures, seniors in various parts of the country may be eager to get outdoors and enjoy some fun in the sun. The U.S. Centers for Disease Control and Prevention recommends that adults age 65 and older get at least 150 minutes of moderate-intensity aerobic activity each week. There are plenty of ways for active seniors to meet this exercise goal and have some fun along the way. The following are some good starting points. • Join or start a walking club. Walking is a great way to stay in shape and work the mind as well. View new sights along the way by changing the route each time you go. Walking with friends can pass the time and provide the motivation to keep going. • Catch a sporting event. Attending a sporting event can be an entertaining way to spend several hours, and that includes amateur and recreational sports. Catch a grandchild’s swim meet or a baseball game for an action-packed way to connect with loved ones and get out. • Take a fishing charter. Casting a rod from a dock or pier is perfectly acceptable, but securing a spot on a fishing charter is a great way to spend hours out on the water enjoying the scenery and the sport of fishing. Plus, there’s the added benefit of enjoying the fruits of your labors by cooking the day’s catch for dinner once you arrive home. • Be a tourist. Many cities and towns have their own tourism boards and showcase interesting spots that have historical significance or appeal to other interests. Be a tourist for the day — even in an area with which you are

PEACE OF MIND AND QUALITY OF LIFE!

Greenfield Apartments Retirement Living at its best! Comforts of Home & Security of Community

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Call about our Apartment Opening! Call 815-872-2261 for more information or visit us at 508 Park Ave. East • Princeton, IL • greenfieldhome.org not-for-profit provider

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Hear like no other.

The new ReSound ONE™

ReSound ONE™ offers the best rechargeable battery life in the industry with up to 30 hours** of battery life or 25 hours with the ability to stream as much as you want. ReSound ONE truly keeps you connected to people and technology you need to become ONE with your world.

familiar. Hop on a trolley or sightseeing bus to view the town as an outsider. • Spend time swimming. Swimming is a low-impact activity that can work the body in many different ways. Devote time to doing a few laps in the pool. Or make a day of going to a lake or another body of water to wade out and enjoy some strokes in nature. Stick to swimming areas that are monitored by lifeguards for optimal safety. • Tend to a garden. Gardening is a great form of light exercise that can produce rewarding results. If you don’t have a garden or enough space for one at home, many neighborhoods have community gardens in which you can secure a plot. • Visit a fair or farmer’s market. The warm weather months are a peak time for outdoor activities, including various community fairs and farmer’s markets. Chances are you can find a farmer’s market nearby most days of the week, but especially on the weekend. A town market or state fair is a great way to get out and walk, play games of chance or enjoy some live entertainment. Check your community calendar for local events. Active seniors can embrace long, warm summer days to enjoy plenty of time away from home. TF226062

** Expected battery life dependent on active features, the use of wireless accessories, hearing loss, device age and sound environment.

Bernard J. Torri, M.A. Clinical Audiologist OTTAWA PERU

North Ottawa Plaza, 2741 N. Columbus St. 1921 4th Street, with Eye Care Professional

CALL TODAY (815) 434-4748

CONTACT US TO LEARN MORE ABOUT OUR PROGRAMS 704 East Glover St. Ottawa, IL Phone: 815-431-4900 Fax: 815-434-2376 Medicare, Private Insurance, Public Aid & Worker’s Compensation Accepted

INPATIENT & OUTPATIENT THERAPY PROGRAMS PHYSICAL THERAPY/OCCUPATIONAL THERAPY/SPEECH THERAPY RESPIRATORY THERAPY PAIN MANAGEMENT THERAPY IV THERAPIES IN-HOUSE DIALYSIS SERVICES

A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2022 19


New Availability!

Independent Living Apartments St. Margaret’s now has apartments available in a secure, hospital-based living center with access to emergency services on-site. • Daily mass • One meal a day provided • Group exercises • Meet new people like you • Creativity classes • Hospital staff on call

For more information, contact

(815) 664-1434 aboutsmh.org/livingcenter

Care Built on Our Community from People You Know & Trust.

600 East First Street | Spring Valley SM-LA1969429

20 June 2022 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication


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