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Home Care Insights

Exercise and the Elderly

No matter your age, all people need regular exercises to remain healthy and physically able. This is especially true for adults over the age of 65. Experts recommend at least 150 minutes per week of exercise (30 minutes per day, 5 days a week) for optimal health benefits. Understandably it can be difficult for some seniors to get that amount of exercise in per week.

Though aging can create obstacles to staying physically fit, remember, it is never too late to start moving more, and the sooner you start, the more your health will improve. Staying active is one of the most important things you can do to stay healthy as you age.

Some people feel that if they can’t do the full amount of recommended exercise per week, then it is no use to even try. This could not be further from the truth! Always check with your doctor before starting a new exercise routine, and then do the amount of physical activities you are able to do. This will still give you mental and physical benefits.

You can integrate more walking, stair climbing, and lifting of small weights (2-5 lbs) to start, things you can do in your own home. These small steps will increase your stamina and keep your heart and lungs more healthy. As you gain stamina, you can increase the length of time you walk, the amount of times you go up and down a flight of stairs, and the amount of reps you can do with your weights, for example.

After age 50, muscle mass and muscle strength start a slow and steady decline. In order to maintain muscle mass and strength, both key to maintaining health and wellness as you age, using resistance training is an important strategy.

If you can’t do walking or stair climbing, there are chair exercises available. These are designed for people who cannot safely exercise on their feet. Consider the many examples of chair exercises available on the internet. A good resource can be found at www.verywellfit.com.

Another option for staying active is SilverSneakers, a health and fitness program for seniors that is covered by some Medicare plans. This program includes the use of gym facilities, fitness classes, online access to workout videos, nutrition tips and other resources.

Key takeaways:

  • Even small amounts of daily exercise (i.e. increases in activity) can benefit you.
  • It is never too late to start increasing your activity level.
  • Physical activity, including resistance training (commonly weights), is critical for increasing muscle mass and muscle strength as you age.
  • If you can not safely exercise on your feet, chair exercises are a good alternative.
  • SilverSneakers is a health and fitness program offered by some Medicare plans.
  • Check with your doctor before starting a new exercise program.

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Home Care Insights

The Case for LTC Insurance

According to the the United States Health and Human Services Department, 70 percent of all people in the US over the age of 65 will need an average of two years assisted care. As you can see, based on the data, there is a high probability you or your loved one will need some kind of personal assistance as you age.

Personal care services average around $20.00 per hour depending on your region and the companies providing the service. To give you an example, just four hours of personal care services at home, seven days a week, costs around $560.00 a week, or $2,240.00 a month. Assisted living costs an average $4,300 per month.

What Is LTCI?

Long Term Care Insurance is a particular kind of insurance specifically designed to help you pay for personal care services rendered at home, or in a facility. It can mean the difference between being able to have professional long term care, or needing to rely on your family and friends for care. It is important to note that Medicare and health insurance usually do not cover long term care. Purchasing LTCI means you will have choices regarding your independence and dignity as you age.

What Does LTCI Cover?

LTCI is specifically designed to cover activities of daily living. Generally speaking, these are the activities or personal care you need every day (think bathing, dressing, toileting, etc.). At least 2 ADLs are required for most LTCI policies to start to reimburse for care.

Generally, the earlier you get LTC Insurance, the less the premium will cost. The older you are when you buy the policy, assuming you can still get approved by underwriters, the more it will cost. Monthly premiums will vary, but you might expect to pay from $150-$200 per month depending on your health and other factors at the time the policy is purchased.

Who Is Likely To Use LTCI?

People who:

  • Are Aging and need extra assistance with ADLs
  • Live alone or who do not have family or friends able to help
  • Have poor nutrition and who lack physical exercise or fitness
  • Have effects of long-term illness such as stroke, COPD, dementia, Alzheimers, etc.

LTCI and Choices:

There are many Long Term Care Insurance companies offering different plans at different premiums. Researching them BEFORE you need care will save you time and money. To get started, you can visit Long-Term Care Information at: https://www.doi.gov