The John and Christina Markey Malden Senior Community Center, which
opened in 2009 in a former church on Washington Street, has won a top
honor from the National Community Development Association.
The center received the association's 2012 Audrey Nelson Community
Development Achievement Award, recognizing the best use of federal
Community Development Block Grant money to improve low-income
neighborhoods. Nominations for the award are accepted from communities
across the country.
The Malden Redevelopment Authority nominated the senior center, which
is named for the parents of Congressman Edward J. Markey, a Democrat
from Malden.
"The [MRA] staff deserves a lot of credit," said Stephen M. Wishoski,
executive director of the MRA.
MASS SENIOR ACTION MALDEN CHAPTER SHOULD BE RECOGNIZED They were the
driving force and influence with the mayors office and overcoming
Resistance to moving the Center from the basement Thanks to our City
Council for listening and joining in presenting Issues need and
support.
--
Howard McGowan
MaldenSenior
Showing posts with label medicare.seniors.social security. Show all posts
Showing posts with label medicare.seniors.social security. Show all posts
Wednesday, April 11, 2012
Monday, March 5, 2012
Medicare Medicaid Social Security
 Dear Friend,
The corporatist wing of the Democratic Party once again has its sights set on cutting Medicare, Medicaid and Social Security benefits under the guise of deficit reduction. And our friends on Capitol Hill tell us House Minority Whip Steny Hoyer is leading the charge.
Last November CREDO activists helped stop Senate Democrats from agreeing to a terrible Super Committee deal, which would have resulted in deep cuts to Medicare, Medicaid and Social Security benefits in exchange for promised but unspecified tax increases that may have never materialized.
But now House Minority Whip Steny Hoyer, a prominent member of Democratic Leadership in Congress, is once again pushing a similar legislative proposal that would sell out our social safety net. He is working on a potential backroom deal to put the cuts we defeated last year back on the table.
According to recent reports, Rep. Hoyer is "looking to shake legislative politics"1 by forcing a vote on whatthe Washington Post called "a so-called grand bargain to raise taxes and restrain entitlement spending."2
Hoyer declined to provide any specifics to this proposal but he gave his remarks at an event hosted by an organization called Third Way, which is a Washington-based, so-called "moderate" Democratic think tank that shills for corporate interests and has previously advanced debunked arguments promoting cuts to Social Security, Medicare and Medicaid benefits.3
Hoyer's move — which appears to be in coordination with Third Way — poses a danger to our social safety net. We cannot remain quiet while such a prominent member of Democratic Leadership appears to be working on a proposal which likely includes brutal cuts to Medicare, Medicaid or Social Security benefits.
Medicare and Social Security are wildly popular programs, and the clear majority of Americans want to protect these benefits. If we push back hard and make sure that conservative Democrats like Hoyer don't cut a back room deal on benefit cuts with Republicans, we can hold the line and protect Social Security, Medicare and Medicaid.
House Democrats will be particularly sensitive to this kind of pressure in an election year — if we can expose this potential sell out, we can quash the momentum Hoyer and conservative Democrats need to move forward with a "grand bargain" at the expense of benefit programs pivotal to millions of Americans.
To be clear, we are not against sensible reforms to these programs. But we shouldn't be cutting benefits for our seniors and other vulnerable Americans in order to spend more on our bloated military or keep taxes low for the ultra-wealthy.
If Democratic Leaders such as Hoyer are serious about addressing our nation's debt and deficit, they should work to address the biggest drivers of our debt — the Bush tax cuts, foreign wars and our economic downturn.4
|
Thursday, December 1, 2011
cola 2012
3.6% cola Effective 1 DEC, starts being paid on your next check due 1 Jan 2012, probably paid on 30Dec due to holidays
Take 3.6% times the check you just got 1 Dec..
That will be the amount your next check increases..
Example 100% VA comp is $2673 times 3.6% = $96 2673 + 96 = 2769
Or $2769 next check
$2769..This the amount you will receive monthly for 2012, until next COLA is announced
1 Dec 2012 for 2013. If no COLA will be the same as 2012
They always are a month behind..earn it this month, they pay you 1st of next month
This applies to Soc sec, Mil Retiree, and VA comp
Take 3.6% times the check you just got 1 Dec..
That will be the amount your next check increases..
Example 100% VA comp is $2673 times 3.6% = $96 2673 + 96 = 2769
Or $2769 next check
$2769..This the amount you will receive monthly for 2012, until next COLA is announced
1 Dec 2012 for 2013. If no COLA will be the same as 2012
They always are a month behind..earn it this month, they pay you 1st of next month
This applies to Soc sec, Mil Retiree, and VA comp
Tuesday, October 4, 2011
People are totally ready to get behind (Obama
After Obama's election, many Democrats said they falsely assumed that winning the White House would help them pass an agenda that would assist middle-class families. Instead, they were dismayed when Obama ditched a proposed "public option" for a government insurance plan from the health care overhaul and cringed when he cut a deal with Republicans to extend Bush-era tax cuts.
During the summer, the left argued that Obama gave up too much in spending cuts during the debt-ceiling fight and couldn't force Republicans to accept higher taxes on the wealthy in return.
"People are totally ready to get behind (Obama), but I think what they're not ready to give anybody is the benefit of the doubt that if we win an election and we all go home, things are going to change," said Andy Stern, the former president of the Service Employees International Union. "That was probably the theory of the Obama election and taking over the House by the Democrats and the Senate as well. I think it was a failed strategy."
So liberal organizations have tried to build a movement, holding hundreds of house meetings across the country and staging protests at town hall meetings held by Republican lawmakers — a tactic that tea party activists used to build opposition to Obama's health care plan.
Conference speakers said Obama's jobs bill could act as a turning point, a sign that the president is taking a more aggressive push to revive the economy and standing firm against deep cuts to Medicare and Social Security. The president has barnstormed the country, rallying support for the $447 billion plan for tax cuts and public works spending to stimulate the economy.
While the plan is unlikely to pass Congress in its entirety, the White House believes Obama's populist approach will build support among the public. And liberals think they've already moved the president.
"Why is the White House talking different? The White House is talking different because we are walking different," said Van Jones, a former Obama policy adviser who helped organize the conference.
Liberals took close note of Obama's discussion of deficit reduction measures and were pleased that he did not seek a gradual increase in the eligibility age for Medicare from 65 to 67. Last summer, Obama had agreed to the age increase in negotiations with House Speaker John Boehner before the talks fell apart. Many Democrats objected to the age increases, arguing it would undercut their criticisms of a Republican plan that would overhaul Medicare.
On Social Security, Democrats have railed against plans by Republican presidential hopefuls to partially privatize the retirement system, letting younger workers divert part of their payroll taxes into a personal account to be invested outside of Social Security.
Obama does not face a primary challenge, and Republicans have little chance of picking up support from hard-core Democrats next year. But Obama needs liberals to knock on doors, staff phone banks and register voters — must-do jobs for any candidate's base. Dissatisfied liberals could also stay home on Election Day or refuse to donate money to Obama's campaign.
There are signs of an enthusiasm gap. A recent survey by Gallup found that 45 percent of Democrats said they were more enthusiastic about the 2012 presidential election than they had been in past elections, while 44 percent said they were less enthusiastic. Fifty-eight percent of Republicans, meanwhile, said they were more enthusiastic about 2012 than in past elections, and 30 percent were less enthusiastic.
Gallup said the enthusiasm gap between Democrats and Republicans was the largest it has measured since 2000.
Many hope the American Dream movement can generate enthusiasm for Obama next year.
Rep. Jan Schakowsky, D-Ill., told attendees at one session that many of her supporters appeared "beaten down" by the status of the economy and Obama's standing among voters but said liberals needed to bring energy to next year's election.
"We have to set people's hair on fire about what America would look like if Republicans get their way," she said.
© 2011 The Associated Press. All rights reserved.
Additional Links:
During the summer, the left argued that Obama gave up too much in spending cuts during the debt-ceiling fight and couldn't force Republicans to accept higher taxes on the wealthy in return.
"People are totally ready to get behind (Obama), but I think what they're not ready to give anybody is the benefit of the doubt that if we win an election and we all go home, things are going to change," said Andy Stern, the former president of the Service Employees International Union. "That was probably the theory of the Obama election and taking over the House by the Democrats and the Senate as well. I think it was a failed strategy."
So liberal organizations have tried to build a movement, holding hundreds of house meetings across the country and staging protests at town hall meetings held by Republican lawmakers — a tactic that tea party activists used to build opposition to Obama's health care plan.
Conference speakers said Obama's jobs bill could act as a turning point, a sign that the president is taking a more aggressive push to revive the economy and standing firm against deep cuts to Medicare and Social Security. The president has barnstormed the country, rallying support for the $447 billion plan for tax cuts and public works spending to stimulate the economy.
While the plan is unlikely to pass Congress in its entirety, the White House believes Obama's populist approach will build support among the public. And liberals think they've already moved the president.
"Why is the White House talking different? The White House is talking different because we are walking different," said Van Jones, a former Obama policy adviser who helped organize the conference.
Liberals took close note of Obama's discussion of deficit reduction measures and were pleased that he did not seek a gradual increase in the eligibility age for Medicare from 65 to 67. Last summer, Obama had agreed to the age increase in negotiations with House Speaker John Boehner before the talks fell apart. Many Democrats objected to the age increases, arguing it would undercut their criticisms of a Republican plan that would overhaul Medicare.
On Social Security, Democrats have railed against plans by Republican presidential hopefuls to partially privatize the retirement system, letting younger workers divert part of their payroll taxes into a personal account to be invested outside of Social Security.
Obama does not face a primary challenge, and Republicans have little chance of picking up support from hard-core Democrats next year. But Obama needs liberals to knock on doors, staff phone banks and register voters — must-do jobs for any candidate's base. Dissatisfied liberals could also stay home on Election Day or refuse to donate money to Obama's campaign.
There are signs of an enthusiasm gap. A recent survey by Gallup found that 45 percent of Democrats said they were more enthusiastic about the 2012 presidential election than they had been in past elections, while 44 percent said they were less enthusiastic. Fifty-eight percent of Republicans, meanwhile, said they were more enthusiastic about 2012 than in past elections, and 30 percent were less enthusiastic.
Gallup said the enthusiasm gap between Democrats and Republicans was the largest it has measured since 2000.
Many hope the American Dream movement can generate enthusiasm for Obama next year.
Rep. Jan Schakowsky, D-Ill., told attendees at one session that many of her supporters appeared "beaten down" by the status of the economy and Obama's standing among voters but said liberals needed to bring energy to next year's election.
"We have to set people's hair on fire about what America would look like if Republicans get their way," she said.
© 2011 The Associated Press. All rights reserved.
Additional Links:
Monday, June 27, 2011
Medicare and Social Security benefits
American seniors have earned their Medicare and Social Security benefits by working hard for decades. But those benefits are at risk: Congress is considering harmful cuts to both Medicare and Social Security. Instead of cutting the benefits seniors have earned, Congress should cut wasteful spending, close tax loopholes and hold down health care costs.
Tuesday, June 21, 2011
National Grid Site
Urban renewal plans are a tool afforded to municipalities by the state’s Department of Housing and Community Development. The plan, if approved by the state, would give the city (through the Malden Redevelopment Authority) greater control over the site and future development there. The plans require the property involved be blighted, substandard or otherwise underutilized
Monday, June 6, 2011
MASS DEPARTMENT OF REVENUE RECEIPTS
So far this fiscal year, which ends June 30, Massachusetts has collected $676 million more than predicted.
Sunday, April 10, 2011
Cuts to Budget
here's one thing we can be pretty sure of: the pain will fall mainly on poor and middle-class Americans, whilebillions in tax breaks, loopholes, and handouts for corporations will remain untouched.
Those same billions could keep food in the mouths of hungry women and children, fund critical medical research, and do theactual work of reducing our deficit.
But nothing will change until we tell that story. Congressional Republicans won't listen to the man and woman in thestreet until we take to the streets—thousands of taxpayers and voters in their states and home districts calling outthe billion-dollar corporations that pay little or nothing in taxes.
Those same billions could keep food in the mouths of hungry women and children, fund critical medical research, and do theactual work of reducing our deficit.
But nothing will change until we tell that story. Congressional Republicans won't listen to the man and woman in thestreet until we take to the streets—thousands of taxpayers and voters in their states and home districts calling outthe billion-dollar corporations that pay little or nothing in taxes.
Saturday, July 10, 2010
ADULT FAMILY CARE PROGRAM
CARING FOR A SICK OR DISABLED RELATIVE ON FRIEND?
The Adult Fan=mily Care Porgram pays family members and friends to provide are at home.
Receive up to $18,000 per year to provide care that prevents or delays Instituional care.
Sick or disabled individual must be 18 years or older and eliglbe for MaasHealth
CARING CHOICES
www.eldercare.org
CALL THE AGING INFORMATION CENTER AND ASK ABOUT ADULT FAMILY CARE
617-628-2601 EXT 3151
The Adult Fan=mily Care Porgram pays family members and friends to provide are at home.
Receive up to $18,000 per year to provide care that prevents or delays Instituional care.
Sick or disabled individual must be 18 years or older and eliglbe for MaasHealth
CARING CHOICES
www.eldercare.org
CALL THE AGING INFORMATION CENTER AND ASK ABOUT ADULT FAMILY CARE
617-628-2601 EXT 3151
ADULT FAMILY CARE PROGRAM
CARING FOR A SICK OR DISABLED RELATIVE ON FRIEND?
The Adult Fan=mily Care Porgram pays family members and friends to provide are at home.
Receive up to $18,000 per year to provide care that prevents or delays Instituional care.
Sick or disabled individual must be 18 years or older and eliglbe for MaasHealth
CARING CHOICES
www.eldercare.org
CALL THE AGING INFORMATION CENTER AND ASK ABOUT ADULT FAMILY CARE
617-628-2601 EXT 3151
The Adult Fan=mily Care Porgram pays family members and friends to provide are at home.
Receive up to $18,000 per year to provide care that prevents or delays Instituional care.
Sick or disabled individual must be 18 years or older and eliglbe for MaasHealth
CARING CHOICES
www.eldercare.org
CALL THE AGING INFORMATION CENTER AND ASK ABOUT ADULT FAMILY CARE
617-628-2601 EXT 3151
Friday, April 16, 2010
Unnessary Hospial Re-Adimissions
A Serious problem we've been hearing about lately is that hospitals are dicharging older patients without any followup or "transitional services.
One out of five Medicare beneficiaries is readmitted within 30 days of discharge and one out every three within 8-90 days--often because of poor communication between patients, care givers and health proveders.
We need a benefit in Medicare to help people safely transision to home or another setting to prevent costly and unecessary hospital readmissions.
One out of five Medicare beneficiaries is readmitted within 30 days of discharge and one out every three within 8-90 days--often because of poor communication between patients, care givers and health proveders.
We need a benefit in Medicare to help people safely transision to home or another setting to prevent costly and unecessary hospital readmissions.
Thursday, January 22, 2009
TAX WORK OFF ABATEMENT PROGRAM
Many cities and towns have found this program viable. I feel the an
outreach program to adaquately staff the New Malden Senior Center is a
top priority and a great opportunity to get Seniors involved in their
programs and "aging in place"
Our newUS president and the administration are urging citizen
participation in their own destiny.volunteerism is on the adgenda as
well as home owner involvement thru this suggested program. HERE IS
WHAT ONE NEARBY TOWN IS DOING WHY NOT MALDEN IF NORTH ANDOVER CAN DO
IT
THE SLOGAN "YES WE CAN!!!
Tax Work-Off Abatement Program
The Council on Aging/Senior Center will be taking applications, during the
months of June and July, for the FY'09 Senior Citizens Property Tax Work-Off
Abatement Program. You must be 60 years of age or older and own and occupy
the property for which North Andover property taxes are paid. There are 30
positions funded and applicants will be chosen through a lottery. Workers must
complete 100 hours of service by May 29, 2009 with a maximum of 10 hours per
week for a $600.00 abatement on their real estate taxes. If you are interested,
please come in to the Senior Center at 120R Main Street to pick up an
application and additional instructions.
---------- Forwarded message ----------
From: Gary Christenson
Date: Wed, Jan 21, 2009 at 8:47 PM
Subject: Re: Taxpayers over 60 may be eligible for a Senior Citizen
Workoff Abatement
- Show quoted text -
To: Howard McGowan
Hi Howard,
I raised this issue with the administration last year but I think the
liability concerns outweighed the benefits of such a program. Perhaps
they may look at it more closely with the current fiscal crisis but
the council did ask about the idea last year.
Gary
________________________________
From: Howard McGowan
To: Malden City Council; Chief of Staff
Rep Fallon; Ward 1 CouncilorGary
Christenson; Malden Council of Aging Director
; Council on Aging Debbie Camarata
; Ward4 Councilor Jim Nester
; Ward8 Councillor Malden ;
Ward 6 Coucillor
Cc: MSAC OrganizerPam Edwards; Malden asst
to Mayor Debbie Burke; Oak Grove IMprovcarol
Melle; Springfield Organizer MSAC
Sent: Wednesday, January 21, 2009 5:19:06 PM
Subject: Taxpayers over 60 may be eligible for a Senior Citizen
Workoff Abatement
.WITH THE SITUATION OF ECOMOMIC DISTRESS MAYBE OUR CITY OF MALDEN
OFFICIALS SHOULD RE CONSIDER THIS PROGRAM AS LISTED AS A BENEFIT FOR
SENIORS BY THE MASS DEPARTMENT OF REVENUE
-- Taxpayers over 60 may be eligible for a Senior Citizen
Property Tax Work-Off Abatement. Under this program,
taxpayers volunteer their services to their municipality
in exchange for a reduction in their property tax bills —
up to $750 annually. Check with your city or town to
see if they participate in this, or any related, program
I know what will be brought up the pros and cons.. discussion may be in order.
Howard McGowan
MaldenSenior
--
Howard McGowan
MaldenSenior
outreach program to adaquately staff the New Malden Senior Center is a
top priority and a great opportunity to get Seniors involved in their
programs and "aging in place"
Our newUS president and the administration are urging citizen
participation in their own destiny.volunteerism is on the adgenda as
well as home owner involvement thru this suggested program. HERE IS
WHAT ONE NEARBY TOWN IS DOING WHY NOT MALDEN IF NORTH ANDOVER CAN DO
IT
THE SLOGAN "YES WE CAN!!!
Tax Work-Off Abatement Program
The Council on Aging/Senior Center will be taking applications, during the
months of June and July, for the FY'09 Senior Citizens Property Tax Work-Off
Abatement Program. You must be 60 years of age or older and own and occupy
the property for which North Andover property taxes are paid. There are 30
positions funded and applicants will be chosen through a lottery. Workers must
complete 100 hours of service by May 29, 2009 with a maximum of 10 hours per
week for a $600.00 abatement on their real estate taxes. If you are interested,
please come in to the Senior Center at 120R Main Street to pick up an
application and additional instructions.
---------- Forwarded message ----------
From: Gary Christenson
Date: Wed, Jan 21, 2009 at 8:47 PM
Subject: Re: Taxpayers over 60 may be eligible for a Senior Citizen
Workoff Abatement
- Show quoted text -
To: Howard McGowan
Hi Howard,
I raised this issue with the administration last year but I think the
liability concerns outweighed the benefits of such a program. Perhaps
they may look at it more closely with the current fiscal crisis but
the council did ask about the idea last year.
Gary
________________________________
From: Howard McGowan
To: Malden City Council
Rep Fallon
Christenson
Ward 6 Coucillor
Cc: MSAC OrganizerPam Edwards
to Mayor Debbie Burke
Melle
Sent: Wednesday, January 21, 2009 5:19:06 PM
Subject: Taxpayers over 60 may be eligible for a Senior Citizen
Workoff Abatement
.WITH THE SITUATION OF ECOMOMIC DISTRESS MAYBE OUR CITY OF MALDEN
OFFICIALS SHOULD RE CONSIDER THIS PROGRAM AS LISTED AS A BENEFIT FOR
SENIORS BY THE MASS DEPARTMENT OF REVENUE
-- Taxpayers over 60 may be eligible for a Senior Citizen
Property Tax Work-Off Abatement. Under this program,
taxpayers volunteer their services to their municipality
in exchange for a reduction in their property tax bills —
up to $750 annually. Check with your city or town to
see if they participate in this, or any related, program
I know what will be brought up the pros and cons.. discussion may be in order.
Howard McGowan
MaldenSenior
--
Howard McGowan
MaldenSenior
Monday, December 29, 2008
)Over 80 on the Internet
I get a lot of strange kind of looks when I tell people my grandma has a blog," said Cora Huffman of Moxee, Lemaster's 31-year-old granddaughter.
Internet use by seniors is on the rise, according to the Pew Internet and American Life Project, which released surveys on the subject in 2000 and 2004. The percentage of Americans 65 or older who go online jumped from 15 percent in 2000 to 22 percent in 2004 and appeared to be on an upward trajectory, the studies found.
"There are a lot of people who are 80 and over who are using computers and the Internet," said Phil Carnahan, a consultant with SeniorNet, a national group that offers computer training to seniors.
Carnahan, a 75-year-old retiree who lives in Sparks, Nev., said most people his age don't blog; but they are online and they use e-mail heavily.
"The biggest reason you have for people who come in (to a SeniorNet center) is they want to be able to correspond with their family," he said. "They want to e-mail their grandchildren."
Still, there is a relatively small proportion of seniors online compared with other age groups. There are older bloggers than Lemaster out there, but among her contemporaries it's still unusual.
"I don't think I've even told any of my friends," she said of her blog, which is frequented by family members and the occasional stranger who stumbles upon it. "They're not into computers. They wouldn't know what I was talking about."
Internet use by seniors is on the rise, according to the Pew Internet and American Life Project, which released surveys on the subject in 2000 and 2004. The percentage of Americans 65 or older who go online jumped from 15 percent in 2000 to 22 percent in 2004 and appeared to be on an upward trajectory, the studies found.
"There are a lot of people who are 80 and over who are using computers and the Internet," said Phil Carnahan, a consultant with SeniorNet, a national group that offers computer training to seniors.
Carnahan, a 75-year-old retiree who lives in Sparks, Nev., said most people his age don't blog; but they are online and they use e-mail heavily.
"The biggest reason you have for people who come in (to a SeniorNet center) is they want to be able to correspond with their family," he said. "They want to e-mail their grandchildren."
Still, there is a relatively small proportion of seniors online compared with other age groups. There are older bloggers than Lemaster out there, but among her contemporaries it's still unusual.
"I don't think I've even told any of my friends," she said of her blog, which is frequented by family members and the occasional stranger who stumbles upon it. "They're not into computers. They wouldn't know what I was talking about."
Modern computerized systems
Modern computerized systems have links to online information on best practices, treatment recommendations and harmful drug interactions. The potential benefits include fewer unnecessary tests, reduced medical errors and better care so patients are less likely to require costly treatment in hospitals.
The widespread adoption of electronic health records might also greatly increase evidence-based medicine. Each patient’s records add to a real-time, ever-growing database of evidence showing what works and what does not. The goal is to harness health information from individuals and populations, share it across networks, sift it and analyze it to make the practice of medicine more of a science and less an art.
The widespread adoption of electronic health records might also greatly increase evidence-based medicine. Each patient’s records add to a real-time, ever-growing database of evidence showing what works and what does not. The goal is to harness health information from individuals and populations, share it across networks, sift it and analyze it to make the practice of medicine more of a science and less an art.
Thursday, September 11, 2008
Aging Servies THE FACTS
FOR INFORMATION AND REVIEW KEEPING OUR SENIORS SAFE IN A NEIGHBORHOOK ENVIRONMENT
Aging Services: The Facts
General Facts
Misconceptions
Workforce
Caregiving
Not-for-Profit Aging Services
Long-term Care Insurance
Global Aging
General Facts
Need
By 2026, the population of Americans ages 65 and older will double to 71.5 million.
Between 2007 and 2015, the number of Americans ages 85 and older is expected to increase by 40 percent.
Among people turning 65 today, 69 percent will need some form of long-term care, whether in the community or in a residential care facility.
By 2020, 12 million older Americans will need long-term health care. (HIAA, "A Guide to Long-Term Care Insurance", 2002)
Availability
There are 16,100 certified nursing homes in the United States.
There are 39,500 assisted living facilities in the United States.
There are 1,900 continuing care retirement communities in the United States.
There are more than 300,000 units of Section 202 affordable senior housing available in the United States.
For each Section 202 affordable senior housing unit that is available, there are ten eligible seniors on waiting lists for it. The average time an eligible senior is on the waiting list is 13.4 months.
Cost
The average daily cost for a private room in a nursing home is $213, or $77,745 annually.
The average daily cost for a semi-private room in a nursing home is $189, or $68,985 annually.
The average monthly cost of living in an assisted living facility is $2,969, or $35,628 annually.
The average monthly cost of living in a not-for-profit Continuing Care Retirement Community is $2,672, or $32,064 annually.
The average monthly rate for assisted living facilities that charge additional fees for Alzheimer’s and dementia care is $4,270, or $51,240 annually.
To move into a community, individuals must also pay an entry fee ranging from $60,000 to $120,000.
The average hourly rate for a certified home health aide is $32.37.
The average hourly rate for a uncertified home health aide is $19.00.
The national average daily rate for adult day centers is $61. (2007 MetLife Market Survey of Adult Day Services & Home Care Costs)
The national average hourly rate for homemakers/companions is $18. (2007 MetLife Market Survey of Adult Day Services & Home Care Costs)
Who Pays
Nearly 40 percent of long-term care spending is paid for by private funds.
Medicare, which covers rehabilitation services after an individual is discharged from a hospital, pays for 19 percent of all long-term care spending.
Medicaid, which covers health care costs for low-income individuals, pays for 49 percent of all long-term care spending.
Accounting for about 40 percent of total expenditures on nursing facilities, Medicaid's payments cover the care of more than half of all nursing home residents.
Use
There are more than 1.4 million nursing home residents in the United States.
An individual's average age when he or she moves into a nursing home is 79.
Women are almost three times as likely to live in nursing homes than men.
More than 900,000 individuals live in assisted living residences.
More than 150,000 individuals receive care and services at an adult day center.
There are more than 1.1 million seniors in some type of senior housing community in the United States.
There are approximately 745,000 older adults who live in continuing care retirement communities in the United States.
The average age of an individual moving into a continuing care retirement community is 78.
Nearly 1.4 million individuals receive home health services.
The average lifetime nursing home use per individual is one year, and the average home care use is a little over 200 visits.
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--------------------------------------------------------------------------------
Misconceptions
Cost:
Only 8 percent of Americans over 45 can estimate the average monthly cost of a nursing homes within 20 percent of its actual cost.
Less than a quarter (23%) of Americans over 45 can estimate the monthly cost of an assisted living facility within 20 percent of its actual cost.
One in five (20%) Americans over 45 say they don't know the cost of an in-home visit from an aide.
Nearly 20 percent of Americans over 45 said that their estimates of long-term costs were "just a hunch."
Cost Coverage:
Close to one fifth of Americans over 45 (18%) responded that they "don't know" what funds will cover their long-term care costs.
More than 55 percent (59%) of Americans over 45 incorrectly believe that Medicare will pay for extended nursing home stay.
Fifty-two percent of Americans over 45 incorrectly believe Medicare covers assisted living costs.
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--------------------------------------------------------------------------------
Workforce
Size:
Approximately 21% of all individuals working in health services are employed by nursing and residential care facilities.
There are approximately 1.39 million nursing assistants, orderlies and attendants, working in the United States today.
There are approximately 663,000 home health aides working in the United States today.
There are approximately 566,000 personal care and home care aides working in the United States today. Two-thirds of them work for home-based service providers.
There are approximately 16,000 licensed nursing home administrators working in the United States today.
Demographics:
On average, registered nurses working in long-term care are older than those in other health care settings. More than a third (36%) are over 50 and one in ten are over 60.
Women make up approximately 90 percent of the direct care workforce.
About half of direct care workers are racial or ethnic minorities. A third are African-American while 15 percent are Hispanic or other persons of color.
With a mean age of 46, home care workers are older than direct care workers in nursing homes, where the median worker age is 36. Additionally, the percentage of home care workers over 65 is three times that of direct care workers in nursing homes.
Twenty percent of certified nursing assistants and home health aides have not graduated from high school. More than 30 percent, however, have attended some college.
Approximately 50 percent of direct care workers are employed full-time, while only about a third of home care workers are full-time employees.
Need:
Overall, nearly 96,000 full-time equivalent nurses and other health care professionals are now needed to fill vacant positions in America's nursing homes.
In 2002, 15 percent registered nurses (RNs), 13 percent of licensed practical nurses (LPNs) and 8.5 percent of certified nurse aide (CNA) positions in America's nursing homes were vacant.
By 2010, the number of vacant positions in nursing homes is expected reach 810,000.
The average annual turnover rate for licensed nursing home administrators is 43 percent.
The average national turnover rate for nurses working in aging services is 49 percent.
The average national turnover rate for certified nursing assistants (CNAs) is 71 percent.
The total cost of CNA turnover is more than $4 billion each year.
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--------------------------------------------------------------------------------
Caregiving
An estimated 34 million Americans provide some care for a family member, age 50 or older. And as the baby boomers begin to retire, that number is going to climb even higher.
Ninety percent of individuals receive care at home get help from family and friends, and 80% rely solely on these individuals for assistance.
Informal caregivers are general between 45 and 64, and two-thirds are women.
A study from the National Association of Caregivers says the costs of home care average more than $5,500 a year — $400 more than the average household spends on health care and entertainment combined.
When the aging relative lives in another city, the costs run even higher. On average, long-distance caregivers spend nearly $9,000 a year.
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Not-for-Profit Aging Services
Not-for-profit organizations manage 31% of all nursing homes in the United States.
Not-for-profit organizations manage approximately 80% of all continuing care retirement communities in the United States.
Not-for-profit organizations manage 78% of all adult day centers in the United States.
Not-for-profit organizations manage 45% of home health agencies in the United States.
There are 1,520 not-for-profit retirement communities in the United States.
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Long-term Care Insurance
The average annual long-term care premium for individuals under 65 is $1,337.
The average premium for individuals over 65 is $2,862.
The average long-term care insurance policy purchased by a 65-year-old and held until death pays out 82 cents for every dollar.
Since 1987, fewer than 10 million Americans have bought long-term care insurance, and only about 7 million of those policies remain in force today.
Almost 30 percent of Americans over 45 have purchased a long-term care insurance policy.
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Global Aging
Each month, the world's elderly population of people increases by 795,000.
China's population includes 88 million elderly individuals, making it the world's "oldest" country.
The elderly population in Bulgaria, Germany, Greece, Italy, Japan and Spain outnumbers that of children.
Last Updated : 4/16/2008 9:55:43 AM
American Association of Homes and Services for the Aging
http://www.aahsa.org/aging_services/default.asp#5
Aging Services: The Facts
General Facts
Misconceptions
Workforce
Caregiving
Not-for-Profit Aging Services
Long-term Care Insurance
Global Aging
General Facts
Need
By 2026, the population of Americans ages 65 and older will double to 71.5 million.
Between 2007 and 2015, the number of Americans ages 85 and older is expected to increase by 40 percent.
Among people turning 65 today, 69 percent will need some form of long-term care, whether in the community or in a residential care facility.
By 2020, 12 million older Americans will need long-term health care. (HIAA, "A Guide to Long-Term Care Insurance", 2002)
Availability
There are 16,100 certified nursing homes in the United States.
There are 39,500 assisted living facilities in the United States.
There are 1,900 continuing care retirement communities in the United States.
There are more than 300,000 units of Section 202 affordable senior housing available in the United States.
For each Section 202 affordable senior housing unit that is available, there are ten eligible seniors on waiting lists for it. The average time an eligible senior is on the waiting list is 13.4 months.
Cost
The average daily cost for a private room in a nursing home is $213, or $77,745 annually.
The average daily cost for a semi-private room in a nursing home is $189, or $68,985 annually.
The average monthly cost of living in an assisted living facility is $2,969, or $35,628 annually.
The average monthly cost of living in a not-for-profit Continuing Care Retirement Community is $2,672, or $32,064 annually.
The average monthly rate for assisted living facilities that charge additional fees for Alzheimer’s and dementia care is $4,270, or $51,240 annually.
To move into a community, individuals must also pay an entry fee ranging from $60,000 to $120,000.
The average hourly rate for a certified home health aide is $32.37.
The average hourly rate for a uncertified home health aide is $19.00.
The national average daily rate for adult day centers is $61. (2007 MetLife Market Survey of Adult Day Services & Home Care Costs)
The national average hourly rate for homemakers/companions is $18. (2007 MetLife Market Survey of Adult Day Services & Home Care Costs)
Who Pays
Nearly 40 percent of long-term care spending is paid for by private funds.
Medicare, which covers rehabilitation services after an individual is discharged from a hospital, pays for 19 percent of all long-term care spending.
Medicaid, which covers health care costs for low-income individuals, pays for 49 percent of all long-term care spending.
Accounting for about 40 percent of total expenditures on nursing facilities, Medicaid's payments cover the care of more than half of all nursing home residents.
Use
There are more than 1.4 million nursing home residents in the United States.
An individual's average age when he or she moves into a nursing home is 79.
Women are almost three times as likely to live in nursing homes than men.
More than 900,000 individuals live in assisted living residences.
More than 150,000 individuals receive care and services at an adult day center.
There are more than 1.1 million seniors in some type of senior housing community in the United States.
There are approximately 745,000 older adults who live in continuing care retirement communities in the United States.
The average age of an individual moving into a continuing care retirement community is 78.
Nearly 1.4 million individuals receive home health services.
The average lifetime nursing home use per individual is one year, and the average home care use is a little over 200 visits.
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Misconceptions
Cost:
Only 8 percent of Americans over 45 can estimate the average monthly cost of a nursing homes within 20 percent of its actual cost.
Less than a quarter (23%) of Americans over 45 can estimate the monthly cost of an assisted living facility within 20 percent of its actual cost.
One in five (20%) Americans over 45 say they don't know the cost of an in-home visit from an aide.
Nearly 20 percent of Americans over 45 said that their estimates of long-term costs were "just a hunch."
Cost Coverage:
Close to one fifth of Americans over 45 (18%) responded that they "don't know" what funds will cover their long-term care costs.
More than 55 percent (59%) of Americans over 45 incorrectly believe that Medicare will pay for extended nursing home stay.
Fifty-two percent of Americans over 45 incorrectly believe Medicare covers assisted living costs.
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Workforce
Size:
Approximately 21% of all individuals working in health services are employed by nursing and residential care facilities.
There are approximately 1.39 million nursing assistants, orderlies and attendants, working in the United States today.
There are approximately 663,000 home health aides working in the United States today.
There are approximately 566,000 personal care and home care aides working in the United States today. Two-thirds of them work for home-based service providers.
There are approximately 16,000 licensed nursing home administrators working in the United States today.
Demographics:
On average, registered nurses working in long-term care are older than those in other health care settings. More than a third (36%) are over 50 and one in ten are over 60.
Women make up approximately 90 percent of the direct care workforce.
About half of direct care workers are racial or ethnic minorities. A third are African-American while 15 percent are Hispanic or other persons of color.
With a mean age of 46, home care workers are older than direct care workers in nursing homes, where the median worker age is 36. Additionally, the percentage of home care workers over 65 is three times that of direct care workers in nursing homes.
Twenty percent of certified nursing assistants and home health aides have not graduated from high school. More than 30 percent, however, have attended some college.
Approximately 50 percent of direct care workers are employed full-time, while only about a third of home care workers are full-time employees.
Need:
Overall, nearly 96,000 full-time equivalent nurses and other health care professionals are now needed to fill vacant positions in America's nursing homes.
In 2002, 15 percent registered nurses (RNs), 13 percent of licensed practical nurses (LPNs) and 8.5 percent of certified nurse aide (CNA) positions in America's nursing homes were vacant.
By 2010, the number of vacant positions in nursing homes is expected reach 810,000.
The average annual turnover rate for licensed nursing home administrators is 43 percent.
The average national turnover rate for nurses working in aging services is 49 percent.
The average national turnover rate for certified nursing assistants (CNAs) is 71 percent.
The total cost of CNA turnover is more than $4 billion each year.
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Caregiving
An estimated 34 million Americans provide some care for a family member, age 50 or older. And as the baby boomers begin to retire, that number is going to climb even higher.
Ninety percent of individuals receive care at home get help from family and friends, and 80% rely solely on these individuals for assistance.
Informal caregivers are general between 45 and 64, and two-thirds are women.
A study from the National Association of Caregivers says the costs of home care average more than $5,500 a year — $400 more than the average household spends on health care and entertainment combined.
When the aging relative lives in another city, the costs run even higher. On average, long-distance caregivers spend nearly $9,000 a year.
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Not-for-Profit Aging Services
Not-for-profit organizations manage 31% of all nursing homes in the United States.
Not-for-profit organizations manage approximately 80% of all continuing care retirement communities in the United States.
Not-for-profit organizations manage 78% of all adult day centers in the United States.
Not-for-profit organizations manage 45% of home health agencies in the United States.
There are 1,520 not-for-profit retirement communities in the United States.
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Long-term Care Insurance
The average annual long-term care premium for individuals under 65 is $1,337.
The average premium for individuals over 65 is $2,862.
The average long-term care insurance policy purchased by a 65-year-old and held until death pays out 82 cents for every dollar.
Since 1987, fewer than 10 million Americans have bought long-term care insurance, and only about 7 million of those policies remain in force today.
Almost 30 percent of Americans over 45 have purchased a long-term care insurance policy.
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Global Aging
Each month, the world's elderly population of people increases by 795,000.
China's population includes 88 million elderly individuals, making it the world's "oldest" country.
The elderly population in Bulgaria, Germany, Greece, Italy, Japan and Spain outnumbers that of children.
Last Updated : 4/16/2008 9:55:43 AM
American Association of Homes and Services for the Aging
http://www.aahsa.org/aging_services/default.asp#5
Tuesday, September 9, 2008
AFFORDABLE HEALTH INSURANCE
Healthcare Policy: providing access to health insurance and making it affordable, passing SCHIP expansion to cover working class families earning 300% of the federal poverty level or approximately $60K/Yr. for a family of 4, creating a healthcare purchasing exchange similar to what members of Congress enjoy, a Medicare Buy-in option, mandatory COBRA to age 65, increasing access to medical facilities and allowing National Guardsmen and Reservists to be eligible for TRICARE.
A plan also calls for lowering the cost of prescription drugs and, because of our proximity to Canada, allowing prescription drug reimportation if the prescriptions are safe and more affordable. Powers also calls for breaking up monopolies and increasing competition, citing the 400 healthcare mergers in the past decade.
Additionally, Powers' plan calls for electronic medical records to save money (and potentially avert health problems in emergencies), aid for small businesses for catastrophic care, phasing out of excessive Medicare overpayments to HMOs, and ensuring premiums are spent on patients.
After listening to seniors' concerns about the high costs of prescriptions , health insurance companies assessing risk pools like those for auto insurance. answer simple "Take away the incentive for it."
Saturday, August 23, 2008
Caring for your aging parents.
We live in a very mobile society where family members don’t always live in the same town or even the same state. In fact, according to the National Institute on Aging, approximately seven million Americans are long-distance caregivers, mostly caring for aging parents who live more than an hour away.
“It’s only natural that adult children of seniors will have some concerns about how their aging parents are doing, especially if they are apart during the holiday season,” said a member of the Right at Home office. “Identifying strategies for long-distance caregiving will make the challenges of caring for aging parents or loved ones more manageable.”
Below are tips from Right at Home for long-distance caregiving:
1) Establish Support Contacts in Your Aging Parents’ Community – Make a list of family, friends and neighbors’ phone numbers and addresses. Ask if you can check in with them to find out how your loved one is doing. They may also be willing to stop by your loved one's home for regular visits.
2) Stay in Touch With Your Parents – Keep in regular touch with your loved one by phone, letters, and e-mail. Record any changes you sense in his or her personality or ability to function day by day.
3) Make Observations During Visits – When you are able to visit your parents, pay attention to any changes in grooming, eating, or social activities. Look for changes in the way he or she manages money, cleans, shops, and gets around.
4) Keep Track of Important Information – Find out where your parents keep important documents such as his or her insurance policies, bank account numbers, investments, living will and power of attorney (for legal, financial, and health care purposes). It’s also beneficial to have a list of physicians that your relative is seeing, and any hospitals or clinics that are involved in his or her medical care, and any medications he or she is taking.
5) Look into Professional Help Options – There are several options for aging parents who need additional assistance. In home caregiving agencies, such as Right at Home, provide services such as companionship, meal preparation, and light housekeeping to help seniors continue to live independently with the help of a caregiver.
6) Identify Community Resources – Research local area agencies on aging, senior centers, churches, synagogues, or other volunteer organizations about available resources for seniors. To locate the area agency on aging, individuals can call Eldercare Locator, public service of the U.S. Administration on Aging, toll-free at (800) 677-1116 or visit www.eldercare.gov.
7) Involve Your Parent – Allow your parents to retain as much decision-making ability as possible. Remember that your primary objective is to help your loved one to fulfill his/her needs, not to take over your relative’s life. In some situations, when your loved one is unable to make decisions, you may need to do so on his/her behalf.
8) Take Time for Yourself – Caregiving can have an emotional and physical toll on caregivers, especially when done long-distance. Make sure you are eating right, getting enough rest, exercising regularly and keeping up with your own medical needs.
Remember, the holiday season is a time for family, togetherness and making memories. By taking the time to address these long-distance caregiving issues, your family will have the much-needed sense of security, comfort and hopefully the ability to create new memories with your aging loved ones for many years to come!
“It’s only natural that adult children of seniors will have some concerns about how their aging parents are doing, especially if they are apart during the holiday season,” said a member of the Right at Home office. “Identifying strategies for long-distance caregiving will make the challenges of caring for aging parents or loved ones more manageable.”
Below are tips from Right at Home for long-distance caregiving:
1) Establish Support Contacts in Your Aging Parents’ Community – Make a list of family, friends and neighbors’ phone numbers and addresses. Ask if you can check in with them to find out how your loved one is doing. They may also be willing to stop by your loved one's home for regular visits.
2) Stay in Touch With Your Parents – Keep in regular touch with your loved one by phone, letters, and e-mail. Record any changes you sense in his or her personality or ability to function day by day.
3) Make Observations During Visits – When you are able to visit your parents, pay attention to any changes in grooming, eating, or social activities. Look for changes in the way he or she manages money, cleans, shops, and gets around.
4) Keep Track of Important Information – Find out where your parents keep important documents such as his or her insurance policies, bank account numbers, investments, living will and power of attorney (for legal, financial, and health care purposes). It’s also beneficial to have a list of physicians that your relative is seeing, and any hospitals or clinics that are involved in his or her medical care, and any medications he or she is taking.
5) Look into Professional Help Options – There are several options for aging parents who need additional assistance. In home caregiving agencies, such as Right at Home, provide services such as companionship, meal preparation, and light housekeeping to help seniors continue to live independently with the help of a caregiver.
6) Identify Community Resources – Research local area agencies on aging, senior centers, churches, synagogues, or other volunteer organizations about available resources for seniors. To locate the area agency on aging, individuals can call Eldercare Locator, public service of the U.S. Administration on Aging, toll-free at (800) 677-1116 or visit www.eldercare.gov.
7) Involve Your Parent – Allow your parents to retain as much decision-making ability as possible. Remember that your primary objective is to help your loved one to fulfill his/her needs, not to take over your relative’s life. In some situations, when your loved one is unable to make decisions, you may need to do so on his/her behalf.
8) Take Time for Yourself – Caregiving can have an emotional and physical toll on caregivers, especially when done long-distance. Make sure you are eating right, getting enough rest, exercising regularly and keeping up with your own medical needs.
Remember, the holiday season is a time for family, togetherness and making memories. By taking the time to address these long-distance caregiving issues, your family will have the much-needed sense of security, comfort and hopefully the ability to create new memories with your aging loved ones for many years to come!
Friday, August 1, 2008
Swingvote
Active Grannies: the New Soccer Moms?
In the publication Politico on Tuesday, Democratic strategist Mark Penn wrote about the enormous importance of the senior vote in the race for president, especially in states like Florida, Ohio, and Pennsylvania. Penn declares that key swing voters in this election may be “active grannies” - empty-nesters who have found a new freedom in their lives after their kids have left, and who look at the world very differently than do their kids graduating college. Top issues in these “older grannies’” lives include: making income after the age of 65, fighting age discrimination, getting plugged into technology, having access to the latest medical treatments and good doctors through Medicare, and dealing with their families’ being torn apart by career-driven migration. In the coming months, active grannies are expected to be major viewers of cable television, the conventions and the debates. Fifteen percent of seniors surveyed in a recent poll were undecided, and 4 to 5% of undecided senior voters could be enough to tip the election.
Monday, June 23, 2008
Social Security Pre Paid Debit Card
Social Security recipients in 10 states can now get their monthly benefits loaded onto a pre-paid debit card, a change that will bring convenience -- but possibly new headaches, as well.
Previously, seniors could only get their money as paper checks mailed to their home or wired to their bank accounts via direct deposit
Administered by Comerica Bank, the debit card will initially be available to people getting Social Security and Supplemental Security Income checks in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, and Texas. It's expected to be rolled out across the country in coming months.
Known as the Direct Express Debit MasterCard, the new Social Security debit cards will initially be targeted at Social Security users without bank accounts (although it's assumed that if the program is successful and a money saver for the government, it will be expanded beyond this group to all Social Security users.) These seniors now face high check cashing fees, as well as the risk that their monthly check could be lost or stolen. Presumably, a debit card pre-loaded with their benefits would alleviate those problems.
But the cards come with not-so-obvious fees that may trip up first-time users, especially seniors who aren't familiar with debit cards or bank accounts. Here's what users should know before they sign up for the debit card:
Frequent trips to the ATM will add up: Direct Express users will be entitled to one free cash advance at a network ATM a month, and then will be hit with a 90 cent fee per cash advance after that (plus additional out of network ATM fees).
Monthly paper statements will cost another 75 cents a month.
Direct Express online bill pay is 50 cents per bill.
There are additional fees for using the card for purchases outside the U.S., cash advances out of the country, and card replacements.
For a detailed breakdown of free services and fees associated with the card (or to sign up,) go to the Direct Express Web site.
At this point, if your parents are getting their checks via direct deposit, they should probably stick with that and not switch over to the debit cards because of the fees and hassles. But for people who wait for the postman to deliver their monthly check, the new debit card may be a better option.
What about your parents? Would they be interested in this kind of debit card? Would you feel secure with your parent using a debit card for their monthly expenses?
Image courtesy of Comerica Direct Express
Caring Currents
Previously, seniors could only get their money as paper checks mailed to their home or wired to their bank accounts via direct deposit
Administered by Comerica Bank, the debit card will initially be available to people getting Social Security and Supplemental Security Income checks in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, and Texas. It's expected to be rolled out across the country in coming months.
Known as the Direct Express Debit MasterCard, the new Social Security debit cards will initially be targeted at Social Security users without bank accounts (although it's assumed that if the program is successful and a money saver for the government, it will be expanded beyond this group to all Social Security users.) These seniors now face high check cashing fees, as well as the risk that their monthly check could be lost or stolen. Presumably, a debit card pre-loaded with their benefits would alleviate those problems.
But the cards come with not-so-obvious fees that may trip up first-time users, especially seniors who aren't familiar with debit cards or bank accounts. Here's what users should know before they sign up for the debit card:
Frequent trips to the ATM will add up: Direct Express users will be entitled to one free cash advance at a network ATM a month, and then will be hit with a 90 cent fee per cash advance after that (plus additional out of network ATM fees).
Monthly paper statements will cost another 75 cents a month.
Direct Express online bill pay is 50 cents per bill.
There are additional fees for using the card for purchases outside the U.S., cash advances out of the country, and card replacements.
For a detailed breakdown of free services and fees associated with the card (or to sign up,) go to the Direct Express Web site.
At this point, if your parents are getting their checks via direct deposit, they should probably stick with that and not switch over to the debit cards because of the fees and hassles. But for people who wait for the postman to deliver their monthly check, the new debit card may be a better option.
What about your parents? Would they be interested in this kind of debit card? Would you feel secure with your parent using a debit card for their monthly expenses?
Image courtesy of Comerica Direct Express
Caring Currents
Sunday, June 22, 2008
Medicare shows millions Social Security Numbers
“Many individuals carry their Medicare cards in their wallets or purses and could become victims of identity theft should dishonest individuals steal such items or lift their Medicare number from a beneficiary card or medical document,” Mr. O’Carroll said.
Other federal agencies are taking steps to remove Social Security numbers from identification cards. The Department of Veterans Affairs said that new identification cards issued to veterans generally did not display Social Security numbers.
Other federal agencies are taking steps to remove Social Security numbers from identification cards. The Department of Veterans Affairs said that new identification cards issued to veterans generally did not display Social Security numbers.
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