Generations 2021 by Mitchell Republic

GENERATIONS For a vibrant, ageless lifestyle

A special supplement to The Mitchell Republic September 2021

GENERATIONS

2 | WEDNESDAY, SEPTEMBER 29, 2021

Staying at Home Vs. Countryside Living

Social isolation and loneliness increases the odds of developing depression.

Social interaction, activities and hobbies continue with modification.

ways to leave a lasting legacy

BY METRO CREATIVE Cooking for one can lead to poor nutrition and a reliance on unhealthy processed foods.

Nutritious, homecooked meals are served in restaurant-like setting dining.

Difficulty with everyday tasks and reliance upon the help of others.

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It is customary for people to take inventory of their lives as they grow older, wondering about their impact on the world and the people closest to them. A legacy is often the story of one’s life and the things he or she did through the years. The good thing about a legacy is it is never too early to begin planning. The following are some guidelines that can help people establish lasting legacies. ► Keep track of your story. Grab a journal and start jotting down events that occur in your life. Mention particular achievements or notable things that occur from day to day. Pepper these accounts with stories of your family and childhood to start establishing an autobiography of sorts. ► Consider your daily actions. Even though people may imagine it is the grand gestures that are remembered most, quite often it’s the simplest acts that make the most impact. Think about the way you treat others each and every day. Smile at people, compliment others and offer positive advice when it is sought. ► Research investments that are profitable. If the goal is to make money to leave for future Generations, investigate your options. These include assets that can retain their value. According to NewRetirement.com and Stepping Stone Financial, Inc., vacation

homes mean a lot to families and they also can be a source of future revenue should they be rented or sold. Speaking with a financial advisor also can be a sound way to invest the right way to accumulate assets that can be passed down as a legacy. ► Name children or other relatives as beneficiaries on Individual Retirement Accounts (IRAs). With Roth IRAs, distributions are taxfree as long as the person who set up the IRA met the five-year holding period for contributions and conversions. Beneficiaries can have five years to take out money from the account; otherwise, they can convert the plan to an Inherited IRA, which stretches out distributions over their life expectancy, according to Investopedia, an online financial resource. ► Write a legacy letter. A legacy letter is a way to speak directly to loved ones and say all those things that you had wished you told them earlier but maybe didn’t find the words or perhaps never had the time, according to Forbes. The letter ensures others know just how much joy they brought to your life and the pride you had in knowing them. Leaving a legacy is something people start to think about as they grow older, but it’s easy to start planning a legacy regardless of your age.

GENERATIONS

WEDNESDAY, SEPTEMBER 29, 2021 | 3

Amazing benefits TO SENIORS

having pets

Pets bring much joy to the lives they touch. So it should come as no surprise that the 2019-2020 National Pet Owners Survey, which was conducted by the American Pet Products Association, found that about 85 million families in the United States own a pet. In Canada, 7.5 million households are home to companion animals, states the PetBacker blog. Pets offer companionship and unconditional love. While they are fitting for any family, seniors may find that having a pet is especially beneficial. The organization A Place for Mom, which helps match families with senior living residences, says pets provide a comfort system that produces measurable health results. Caring for pets and being around them can produce a chemical chain reaction in the brain that may help to lower stress hormones while also increasing production of the feel-good hormone serotonin. This is not the only health benefit pets may provide. A recent study from the Mayo Clinic, which looked at 1,800 people between the ages of 25 and 64 who had healthy hearts, found that almost half

owned a dog. Having a dog was likely to spur heart-healthy behaviors, like exercising with the pet, eating well and having ideal blood sugar levels. Pets also provide emotional support and companionship that can help seniors — including those who may be divorced or widowed — feel more secure and happy. The National Poll on Healthy Aging found that, among respondents who had pets, 88 percent said their pets helped them enjoy life, and 86 percent said their pets made them feel loved. Seniors considering getting a pet can explore the many benefits to doing so. ► Reduce pain: A 2012 study published in Pain Magazine found therapy dogs provided “significant reduction in pain and emotional distress for chronic pain patients.” ► Feeling of purpose: Caring for an animal not only stimulates physical activity, but it also can give seniors a reason to get up and go, which equates to a feeling of purpose. Altered focus: Having a pet can help seniors focus on something other than physical or mental health issues and

preoccupations about loss or aging, according to New York-based psychologist Penny B. Donnenfeld. ► Increased physical activity: Pets require care, and that interaction can get seniors moving more than if they didn’t have a pet. ► Improved health: Ongoing research from Harvard Medical School has found dog owners have lower blood pressure, healthier cholesterol levels and lower risk of heart disease than those who don’t own a dog.

Pre-Planning for Peace of Mind

► Stick to routine: Caring for pets helps seniors maintain a routine. Having structure after retirement can be important to ward off risk of depression. Staying on top of feeding, grooming and other pet needs also can help prevent cognitive decline. Pets bring many benefits to their owners’ lives, and they may be the perfect remedy for seniors looking for a friend and purpose.

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GENERATIONS

4 | WEDNESDAY, SEPTEMBER 29, 2021

tips for senior travelers Few demographics have the free time and the financial capacity to travel as much as retirees. Now that children have flown the coop and retirement papers have been filed, the world is many seniors’ oyster. According to a 2017 survey from AARP, travel is a top goal for more than 80 percent of Baby Boomers. Children may find that encouraging their aging parents to travel can promote more independence and help them live fulfilling lives in retirement. These tips can make travel easier for any senior ready to see the world. 1. Seek the most direct route. Traveling may be a bit easier to endure when the route is as short and direct as possible. It may cost a little more to book nonstop flights or travel during

peak hours, but that investment may be worth it. 2. Choose senior-friendly travel services. Working with a trusted travel advisor is often easier than booking your travel yourself. Travel agents often have inside information and may be privy to perks and discounts. Plus they can streamline the process, ensuring all you need to do is go along for the fun. 3. Senior discounts are waning. Most airlines have done away with senior discounts. In 2013, the price comparison resource Fare Compare looked at senior discounts of various airlines and found most of them were unreliable. 4. Inquire about accessibility. If mobility is an issue or if there are any disabilities, contact your carrier and hotel or tour company

and be sure that there will be accessibility arrangements, such as wheelchair access or ground-level accommodations. 5. Pack light. Don’t get bogged down by excess luggage. Pack only what you need, including medications, in a carry-on bag.

6. Consider a cruise. Cruises combine food, entertainment and comfortable rooms in one convenient package. 7. Manage medications. If prescription medications are needed, be sure to consult with the doctor and pharmacy about getting a supply that will last the course of the trip. 8. Bring along a companion. You may feel more comfortable bringing along one of your children, another young relative or a close friend, especially if you are traveling internationally. This extra person can help navigate and ensure all your needs are met. Seniors have the opportunity to travel more and can make such travel easier in various ways.

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GENERATIONS

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Building friendships in your golden years BY METRO CREATIVE

skills. There are plenty of ways to meet new people online by joining social media Making friends as a child or even groups that cater to your interests. In as a parent to school-aged children is person meetings in particular cities or relatively easy. Classrooms and school regions of the country also can make functions facilitate the building of for great ways to make new friends. friendships. Even as one gets older Exercise caution when meeting people and enters the workforce, it’s not uncommon for people to become friends in person after contacting them online. Bring another person along, whether it’s with their coworkers. a spouse or an adult child, to ensure that As people near retirement age, you are safe. their situations may have changed ► Volunteer your time. One way considerably. Children have moved to meet new people is to get involved out, careers are coming to an end and with causes or activities you love. This friendships may be hard to maintain due serves the double benefit of getting you to people relocating or traveling. Older outside and active and puts you in touch adults may aspire to make new friends, with people who share your passions but they may not know how. and interests. According to Irene S Levine, Ph.D., ► Attend alumni events. If you The Friendship Doctor and contributor have an interest getting in touch to Psychology Today, it is not unique for with someone from your past and seniors to want to make new friends. reconnecting, make the time to attend Age can be a barrier because there are school reunions and other alumni stereotypes that pigeonhole people activities. It can be fun to reconnect with of certain ages. But Levine notes that friends from high school or college. state of mind and physical ability is not ► Join a gym. The local gym isn’t directly tied to chronological age. Making just a great place to get physically fit. friends is possible at any age. These Group exercise classes also can be ideal guidelines can help along the way. places to meet other people who enjoy ► Explore online connections. A working out. Strike up a conversation 2016 study published in the Journal with another class participant you see of Gerontology found seniors (even on a regular basis. Once you develop a those in their 80s) who stay connected rapport, schedule lunch dates so your with friends and family using social friendship grows outside of the gym. media report feeling less lonely and Making friends is not just for the young. Men and women over 50 also can better overall. Connected seniors also demonstrated higher executive reasoning find ways to build new friendships.

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AveraHealthPlans.com/SD @2021 Avera Health Plans, All Rights Reserved. Network restrictions apply with Select plans. Standard plans are also available. Neither Avera Health Plans nor its agents are connected with Medicare or state or federal government. You may be eligible for a Select Plan G policy with a lower premium rate if you currently reside with an individual with whom you have continuously resided for the last 12 months and who is age 60 or older, or with whom you reside and to whom you are either married or in a civil union partnership.

GENERATIONS

6 | WEDNESDAY, SEPTEMBER 29, 2021

Evaluating seniors’ biggest expenses BY METRO CREATIVE

New parents may not be able to visualize that one day their largest expenditures won’t be centralized around providing necessities for their children. Adults go though many years of paying for diapers, toys, clothing, food, and education for their children. Yet, when the children have flown the coop, spending patterns change, and even more changes await come retirement. According to a 2020 survey from the financial services firm Edward Jones, 68 percent of workers soon to retire said they had no idea how much they should be setting aside for expenses,

particularly health care and long-term care. Professionals approaching retirement would be wise to analyze the Consumer Price Index - Elderly (CPIE). It is a good reference to estimate which future expenses will cost the most after retirement. The Bureau of Labor Statistics looks at consumer spending and uses various data to determine the rate

year for which data is available, housing accounted for roughly 49 percent of all spending for seniors. Focus should be centered on lowering those costs when a fixed income is imminent. The possibilities include paying off a mortgage; downsizing a home to have a lower of inflation in key areas rent or mortgage payment; that apply to older adults refinancing a home to a starting at age 62. fixed-rate loan so that Individuals may be costs are predictable; and surprised to learn about taking on a tenant to where they’ll be spending offset costs. the bulk of their money ► Food: The cost when they get older. of food will not change Here’s a look at some dramatically, but it can key categories. eat into your budget. ► Housing: According Even though food costs to data from the Employee may decline when there’s Benefit Research Institute, only two mouths to in 2017, the most recent feed, food and beverage

spending may go up due to more leisure time and dining out. Utilize senior discounts by shopping on days when stores offer percentages off purchases. Save money on restaurant spending by eating out at lunch instead of dinner, splitting plates or skipping appetizers. ► Healthcare: Experts warn that while many expenses decline in retirement, health Care spending increases. According to Fidelity, the average 65-yearold couple retiring in 2020 in the United States needed roughly $295,000 just to cover their retirement health care expenses. Those with family histories of severe

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illnesses or those with preexisting conditions will need even more. It’s also important to realize that roughly half of the population will need long-term care at some point, offers The Motley Fool, and that requires advanced budgeting as well. Many people find that Medicare supplement plans can bridge the gap in expenses that government-run plans will not cover. Saving through a health savings account (HSA) when employed also can create extra cash on hand for retirement expenses. Understanding which retirement expenses will be high can help people plan better for the future.

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GENERATIONS

WEDNESDAY, SEPTEMBER 29, 2021 | 7

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GENERATIONS

8 | WEDNESDAY, SEPTEMBER 29, 2021

Factors to consider before donating to an overseas charity

BY METRO CREATIVE Millions of people across the globe donate to charity every year. Seasoned philanthropists may donate to a select group of carefully vetted charities each year, while millions more well-intentioned individuals donate in the wake of natural disasters and other tragedies. There’s no bad reason to support a good cause, though donors must be careful in certain situations, particularly if they’re considering donating to charities based overseas. The following are various factors donors in such instances may want to consider prior to making a donation. ► Tax benefits: The Internal Revenue Service notes that contributions to foreign organizations generally are not tax deductible. Well-meaning donors may not donate to a charity solely because of the tax benefits of providing such support. However, prospective donors

may be able to afford to donate more to a good cause when they know they can ultimately deduct their donations on their upcoming tax returns. ► Overseas governments: Another factor to consider before donating to an overseas charity is the stability of the local government where the organization operates. People inspired to donate to an overseas charity after seeing or reading reports of tragedies such as natural disasters or human rights violations may need to be especially careful before donating to charities based in foreign countries. Aspiring to support victims of tragedies is a worthy goal, but prospective donors should first do everything they can to confirm that their donations will end up going toward the causes they’re aiming to support and not to corrupt officials overseas. Domestic charities in the United States and Canada are vetted by various watchdog groups and regulated by certain government

► Rules: Rules that govern charitable donations apply to both charities and donors. Some organizations may be subject to sanctions from the United States government or the United Nations, and that can put even well-intentioned donors in potentially precarious positions. In addition, some organizations may be on terrorist, trade control or fraud lists that can agencies, but there’s no guarantee that land their donors in legal hot water. such protocols are in place overseas. Schwab Charitable (Schwabcharitable. That can make it easy for criminals and org) screens foreign charities to ensure corrupt officials in foreign countries to gain access to donations intended to help donations do not go to organizations on such lists or those subject to those in need. The experts at Schwab sanctions. Donors can work with such Charitable note that various charities based in the United States work overseas intermediaries to protect themselves as well. Donors who cannot properly vet when donating to overseas charities. Donors who hope to support overseas charities based in foreign countries may be better off donating to U.S.- or Canada- charities can consider a handful of based charities with strong track records factors to ensure their money ultimately ends up in the right hands. of working overseas.

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GENERATIONS

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GENERATIONS

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How to include giving in your estate plan Charitable giving is the lifeblood of many nonprofit organizations. The generosity of donors helps charities meet their missions and provide vital services to people facing disease, financial hardship and other situations they cannot overcome on their own. Many donors make sacrifices to support their favorite causes and charities. Forgoing certain luxuries so money can be donated to charity illustrates the selfless nature of charitable giving, which can even continue after death. Estate planning is a complicated process that details exactly how a person wants their assets divvied up after death. But an estate plan also can go

into effect while individuals are still alive. Each year, millions of people across the globe choose to include charitable giving in their estate plans, and that can benefit charities and donors. The following are a handful of the many ways charitable men and women can incorporate giving into their estate plans. ► Bequest giving in a will or living trust. Perhaps the most widely known way to include charitable giving in an estate plan is to bequeath money in a will or living will. The Community Foundation Alliance notes that bequests typically allow donors to define how their donations will be spent or utilized. That

benefits charitable organizations, but surviving family members also can benefit from such arrangements. According to LawDepot.com, individuals may be able to lower the estate taxes on their estates at their time of death if they bequeath

begin withdrawing money from these accounts when they reach age 72. These withdrawals are called required minimum distributions and they are considered taxable income. However, individuals who want to give to charity can opt for a Qualified Charitable Distribution, or QCD. A QCD counts toward the minimum distribution from retirement accounts and individuals will not be taxed on the money they donate to money to an eligible charitable organization in charity. That’s a win-win for charities and inditheir wills. ► Consider a charita- viduals 72 and over who ble rollover. The Internal do not need to withdraw money from their IRAs to Revenue Service notes meet daily living expenses. that individuals with an ► Donate via a chariIRA, SEP IRA, Simple table remainder trust. A IRA, or retirement plan account generally must charitable remainder trust,

Claiming Social Security Is an Important Decision AARP can help you decide when the timing is right Social Security is a key part of your financial security. Deciding when to claim and how to maximize your benefits takes careful planning. The AARP Social Security Resource Center can answer your top questions.

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or CRT, allows individuals to set up a trust that benefits both a designated beneficiary and a charity or charities of their choosing. When a CRT is set up, a beneficiary will receive annual payments from the trust until it terminates, at which time the remaining funds in the trust are donated to charity. The philanthropy experts at Fidelity Charitable note that individuals can name themselves as the beneficiaries of the trust, which ensures they will have an income during retirement and that their favorite charities will be supported when the trust expires. Individuals who want to make charitable giving part of their estate plan can do so in various ways.

GENERATIONS

WEDNESDAY, SEPTEMBER 29, 2021 | 11

Medicare supplement myths: Choose your provider and travel, too BY MITCHELL REPUBLIC Medicare coverage can seem complicated, at least until you get the hang of it. Medicare parts A, B and D cover things like clinic visits, hospital stays and prescription drugs, but there are still out-of-pocket costs and no out-ofpocket maximum. That’s why many people consider a Medicare Supplement plan. These plans help cover things like co-pays, coinsurance and deductibles. It’s a great way to budget for unexpected medical expenses on a post-retirement budget. Here are some common questions about Medicare Supplement, answered by Avera Health Plans experts. What is Plan G vs. Plan F? Plan F is one of the most comprehensive Medicare Supplement options but is only available if you turned 65 before Jan. 1, 2020. Plan G is second in popularity to Plan F. The big difference is its Part B deductible for outpatient services. It still covers Part A hospital deductible. For most people, the savings from the lower premium would cover the deductible.

How much does Plan G cost? Medicare Supplement plans are the same no matter what company you get the policy from. However, the cost will vary. Be sure to compare prices for plans but aso consider other added values. For example. Avera Health Plans Plan G. offeres access to a fitness center incentive and 24/7 virtual visits. You also have added savings options with our Select Plan G plans: ► Plan G High Deductible Health Plan: These plans have a higher deductible, but the monthly premium is lower. ► Household Discount*: You get a 12 percent discount when you get a Plan G and have someone 60+ living in your household. What’s covered with Plan G? Plan G covers both inpatient and outpatient services, though it does have a deductible for Part B. Coverage includes provider visits, lab work, durable medical equipment, surgeries, x-rays and diabetes supplies. Am I covered when I travel? Travel within the United States is covered. However, foreign trave

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coverage is not as expansive. Medicare does not cover any foreigh travel, but some Medicare Supplement plans offer coverage with a deductible and coinsurance. But the lifetime coverage limit is $50,000. We recommend people get travel insurance through their travel agent for this kind of coverage because $50,000 may not go very far. How do I sign up for medicare and medicare supplement? You must enroll in Medicare at the Social Security office, and there are certain time limits based on when you’re enrolling. If you plan to enroll when you turn 65, you can enroll starting three months before your birthday month and until three months after your birthday month. Medicare Supplement plans are available through private health insurance companies. What if I need help? An insurance agent can walk you through the process, so you meet all the deadlines and requirements of signing up for Medicare and getting a supplement plan in place as well. Agents will also help you find a Medicare Supplement plan that fits your budget.

If you want to talk with someone about your Medicare Supplement needs, Avera Health Plans agents are located across the state and ready to answer your questions. Go to AverHealthPlans.com/SD to find an agent near you.

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