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About Cottage Grove sentinel. (Cottage Grove, Or.) 1909-current | View Entire Issue (July 20, 2016)
COTTAGE GROVE SENTINEL July 20, 2016 The basics on long-term care insurance SENIOR MEALS PROGRAMS Offering Meals on Wheels and Cafe 60 at the following locations: Anyone age 60 and older is served, regardless of income, suggested donation is $3. Guests under age 60 are welcome to attend for $8 per meal. Monday, July 25: Chicken Marsala Bake or Beef Span- ish Rice Tuesday, July 26: Spinach Lasagna or Western Pork Stew Wednesday, July 27: Chicken in Peanut Sauce w/ Pasta or Beef Stuffed Green Pepper Cottage Grove Riverview Terrace 925 W. Main St., Cottage Grove Noon: Tues., Wed., Thurs. Drain/Yoncalla area Creswell Cresview Villa 350 S. 2nd St., Creswell Noon: Mon., Wed., Fri. Served at 400 Main St., Yoncalla. (For Douglas County Meals on Wheels eligibility, call 541-440-3677.) Suggested donation $3.50 Thursday, July 21: Oven Baked Chicken or Swedish Meatballs Friday, July 22: Fish Patty w/Tartar Sauce or Sloppy Joe Thursday, July 21: Meatloaf w/Creole Sauce Friday, July 22: Tuna Salad Sandwich Half/Lentil Soup Tuesdays, July 26: Beefy Cheesy Strata Celebrating our 6 YEAR ANNIVERSARY! Grant Gording, BC-HIS Jenna Buetow Board Certifi ed in Hearing Instrument Sciences Hearing Consultant Bring in this coupon to receive a free pack of batteries. Expires June 30th. FREE Hearing Screenings FREE Hearing Aid Checks & Cleanings Just call to schedule an appointment! Grant's Hearing 1498 Center E. Main St., CG www.grantshearing.com 541-942-8444 Various insurance plans pro- tect individuals from fi nancial calamity. Insurance works by requiring policy holders to pay a premium. In the event of an accident or incident, a claim can be fi led and the insurance com- pany will reimburse the person for expenses, minus the deduct- ible. Health insurance is one type of insurance that people have to manage their health and well- being. There’s also another, perhaps lesser-known insurance that can prove invaluable. It is called long-term care insurance. Long-term care insurance, or LTCI, is an insurance product that is found primarily in the United States, Canada and the United Kingdom. LTCI general- ly covers assisted living needs, home care, hospice care, adult daycare, and other requirements of senior living and/or health management. People who in- vest in LTCI are planning ahead for the times when they may no longer be able to care for them- selves without assistance. LTCI will help offset the ever-rising costs associated with special- ized senior housing and nursing facilities. Traditional healthcare insur- ance and government-sponsored plans (i.e., Medicare in the United States) will not pay for daily, extended care services. The AARP notes that these oth- er plans may only cover a short stay in a sub-acute rehabilitation center or nursing home, or pay for a limited amount of at-home care. LTCI can help families fi - nance the cost of medical care when all other options will not. LTCI should be looked into early in life, as policies often cost less if purchased when one is younger and in good health. People in poor health or already receiving long-term care ser- vices may not qualify for LTCI outright. But there are some workarounds, including buying a limited amount of coverage or coverage at a higher “nonstan- dard” rate. Some policies do not require medical underwriting, and these may be advantageous to people with preexisting health conditions. When shopping for policies, look into how long LTCI will pay. Some policies include lim- its on how long or how much providers will pay for care, with some plans maxing out at two to fi ve years. Other policies may not implement a term limit. Speak with a tax specialist as well, as premiums paid on a long-term care insurance prod- ucts may be tax deductible. Long-term care insurance is a way for individuals to fi nance the often expensive costs for medical services that may be re- quired as one ages. The American Academy of Family Physicians says the most common causes of anemia among older men and women include chronic diseases and iron defi ciency. Vitamin B12 defi ciency, folate defi ciency, gastrointestinal bleeding, and myelodysplastic syndrome are other causes of anemia. The main way to treat ane- mia is to discover its source and reverse the outcomes. For in- stance, a gastrointestinal bleed may need to be repaired. If iron defi ciency is the source of the anemia, iron supplements may be prescribed. Many methods to correct anemia involve trial and error and experimentation, es- pecially when the source of the anemia is unknown. Anemia is a condition that can affect aging adults but does not need to be accepted as a natu- ral consequence of aging. Cor- rect diagnosis and treatment can mitigate symptoms. Anemia and Aging Aging is accompanied by a number of physical changes. Some of these changes, such as vision impairment or loss of hearing, are anticipated, while others may arrive unexpectedly. One condition many adults unexpectedly encounter is ane- mia. While anemia is common in older adults and its prevalence increases with age, it is not a condition that is widely consid- ered part of the aging process. Anemia is often a symptom of a hidden problem that needs to be addressed promptly. Anemia is one of the most common blood disorders, af- fecting more than three million Americans, says the National Heart, Lung, and Blood Insti- tute. The American Society of Hematology notes that anemia is characterized by insuffi cient levels of red blood cells in the SAVE blood. Anemia also occurs when red blood cells, which are responsible for carrying oxygen to the various organs and tissues throughout the body, are not functioning properly. Very often the signs of anemia are overlooked or go unnoticed until a blood test determines low hemoglobin (Hb) or he- matocrit (HCT) concentrations. Some people discover they have anemia as they attempt to do- nate blood, at which time their red blood cell count is found to be inadequate. When the body lacks oxygen, any number of the following symptoms may be experienced: • weakness • dizziness • extreme fatigue • shortness of breath • fast or irregular heartbeat • pale or yellow skin • cold hands or feet Frequently, existing disorders or conditions, such as congestive heart failure, are made worse by anemia. But unless doctors spe- cifi cally consider anemia as a possible cause of symptoms, its presence can go undiagnosed. with $10.00 OFF* your subscription In Print. Online. On the Go. Your News. 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