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.
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