Many older Americans look forward to relaxing after retiring from a job and seeing their children all grown up with little ones of their own. For some, the prospect of peace and quiet can feel dull and leave them with the feeling their lives have lost a sense of purpose. Ironic that life is about more than punching a clock forty hours a week, yet some feel lost without a workday grind. It’s also unhealthy and potentially depressing to settle into a sedentary lifestyle. Without much to do, life starts to feel pretty empty.
For those who want their golden years of retirement to be infused with higher meaning, Regency offers a few tips:
Identify what makes you happy
Experts point to the power of questions to discover our purpose. Ask some questions and be honest with the answers. What has always made you excited to wake up in the morning? What have you always wanted to do when you had the time and resources? What did you enjoy or find satisfying about full-time work? If it is the work itself, many seniors can find part-time work, which can help to make retirement savings go further. If it is the fellowship of colleagues or the sense of mission, these are intangible things we can often find through alternative channels than just a workplace.
Break Out of a Routine
Someone struggling to adjust to retirement living may simply feel comfortable following a daily routine. We are creatures of habit, after all. As scary as change may be, doing the same thing, day after day, becomes boring. Changing things up can lead to greater happiness and life satisfaction. We adapt to new places and faces by reassuring ourselves that the novel will soon become familiar and strangers will soon become friends. All it takes is repetition and being bold enough to start a conversation to discover common interests. Within a matter of days, seniors can try new hobbies, check out new restaurants, visit new places, travel, and more.
Stay Active (Doing the Fun Stuff You Never Had Time for Before)
While everyone enjoys taking periods to rest, some people scoff at the idea of slowing down completely. Working kept us busy, but there are plenty of ways to keep in motion, from helping others to finding joy in recreational activities. After a long life of taking care of others, seniors can let the staff at an Assisted Living community take care of things like laundry, cleaning house and cooking. Their time is better spent on doing the enjoyable tasks rather than these chores. Exercise equipment and game areas keep the body and mind sharp. “Fun” means different things to different people: For one senior, it will mean hunting or fishing; another, reading books or writing a blog.
Creativity finds outlets in the form of painting or drawing, creating music, writing a journal or a blog, cooking, etc. Don’t get too hung up on whether people like something you create. Praise feels good, but creation is its own reward. At Regency, we offer craft classes for residents to indulge their imaginations and try new things.
Focus on Others
We can explore the art of conversation and develop relationships and with family and friends once life is not so hectic. For many, this can mean spending quality time with grown children and grandchildren. Even the person who has everything he or she could possibly ever need can find purpose in doing things to benefit others and the community. Volunteering for a charity, becoming active in politics, mentoring a young person, becoming an advocate for a good cause, or serving on a Resident Council are all ways to serve others. Use new-found free time to reconnect with old friends on Facebook or make new ones in a senior living community, like Regency.
Consider Retirement Living Options
If aging in place in the home leaves a senior feeling bored and lonely, family should consider a Senior Living Community that offers activities to fill time and new friendships to be made. Beyond the safety and convenience this offers, we all yearn to spend time with people our own age. Support and involvement matter greatly when it comes to finding happiness and purpose in later years.
Indeed, there is a lot more to life than collecting a paycheck. It’s never too late to reinvent oneself and regain a sense of purpose, wherever we find ourselves in retirement days.
To learn more about Regency Senior Living, call (615) 598-0245.
Written by: Steven Stiefel
The second most challenging aspect of relocating a loved one to Assisted Living, after the actual physical move to the building, is figuring out how to pay for it. In the best case scenario, an aging parent has a nest-egg accumulated over generations of working hard and saving money so he or she can retire in a community as nice as Regency. Either way, there are multiple options for financing such a move, especially for military veterans and homeowners.
Regency maintains a trio of partnerships with organizations to make it work. Jeff Clay, Vice President of Business Development, explains some popular options and how they work.
First, a BRIDGE LOAN from Elder Life Financial.
“This allows a senior to move right away to Assisted Living while their home is on the market to find a buyer,” Clay said. “They don’t have to wait until the house sells to actually move, and the home will sell quicker once mom and/or dad are settled so the walls can be painted, the shag carpeting taken up, etc.”
Elder Life can typically qualify a family member with good credit within 24-48 hours, allowing up to six people to be on the non-secured bridge loan without putting up collateral and make payments. The family only has to pay the interest until the home is sold. Once the home sells or other options discussed below kick in, the family pays the accumulated low interest of about 8.25%.
Second, VETERANS BENEFITS from the Department of Veterans Affairs, or VA, for veterans and spouses of veterans who have served at least 90 days on active duty and at least one day during wartime. Called "aid and attendance", this program pays a maximum benefit of $2,123 a month for married veterans, $1,788 for single veterans, $1,406 for well veterans with an ill spouse, and $1,149 for a surviving spouse.
“We refer veterans to our partners at Elder Resource Benefits Consulting,” Clay said. “ERB helps them with the paperwork, and once they qualify them, Regency absorbs the cost so there’s no charge to the veteran or spouse. It’s our way of giving back to our veterans. A bridge loan can work well with VA benefits. The good thing is once the VA gets the paperwork, it is stamped and the benefits pay retro dollars back to that date.”
Third, a MEDICAID WAIVER through TennCare CHOICES. This can help pay for expenses for those who can no longer live alone. Typically, the recipient must pay for their room and board if they opt for Assisted Living rather than a nursing home. If are interested in the CHOICES program, you can call your TennCare health plan (MCO) at the number listed on the TennCare card.
Fourth, for those with the foresight to look ahead, LONG-TERM CARE INSURANCE that can be redeemed through Elder Life Financial.
Clay said when going to insurance route, it’s important for seniors to give their grown children Power of Attorney to avoid delays in applying the policy toward Assisted Living. “I talked with a woman whose mother had a policy she’d been wise enough to get 17 years earlier through Aetna, but she was unable to execute it in lieu of her parent. It’s also important to factor in cost-of-living increases. In that case, the mother had gotten a locked fixed interest that only paid the rate that Assisted Living would have cost her two decades ago.”
Long-term care insurance is best purchased within a window of time, between the early to mid-50s, because it can be of little use if arranged at too young of an age and cost-prohibitive if purchased too close to retirement age.
Finally, a partner called Life Care Funding can help families CONVERT A LIFE INSURANCE POLICY, which normally only pays at death to beneficiaries, to go toward Assisted Living while the policyholder is alive and well. Since most people rely on life insurance to final their final expenses, Clay recommends arranging for pre-paid funeral expenses that can be paid over months while the senior lives happily in Assisted Living.
For those who lack the financial means to afford their own apartment at a Regency facility, Clay said an openness to something called “companion living” increases their choices.
“Obviously, we’d all prefer to have our own space rather than sharing with a roommate, but this makes living in Assisted Living more do-able for some. Through our Homes4Heroes program, we’re seeing companion living because there is a backlog of veterans on the waiting list, plus it allows them to save money on housing that they can put toward other things,” he said.
Every senior hopes to have the financial means to spend their Golden Years in a community as wonderful as Regency where they can enjoy comfort and compassion. That’s why it’s so reassuring to have a variety of options to make it more affordable – and to start saving well in advance of needing it.
To learn more about Regency Senior Living and the companies mentioned here, call (615) 598-0245.
Hamilton County schools are about to wrap up the year and students will be on summer vacation. Lucky them! Chattanooga has a reputation as a family-friendly city, and for good reason. So many institutions in town are designed with children in mind and encourage making new discoveries and creativity. It's easy to find things to do that let you spend time with your favorite young people sharing stories and memories and learning more about the interesting little people they're becoming. There's no shortage of adventures to have in Chattanooga, so we limited our list to four favorites:
There's no time like spring to inspire a fresh start. Even with so many of your daily needs taken care of at your retirement community, it can feel good to get newly organized and set up for all the fun things you want to enjoy this spring and summer. After all, there's nothing more frustrating than having last season's clothes at the front of your closet, old medications cluttering up your medicine cabinet, and not being able to put your hands on the exact letter or piece of memorabilia you were thinking of right away. Here are some ideas for how you can do a little spring cleaning so you can hurry up and enjoy the best parts about these warm weather seasons.
Clean out your drawers of all the little things that accumulate or mail you need to respond to. Take clothes you never wore this winter or that no longer fit for spring and summer out of the closet and donate them to a charity like Goodwill or the Salvation Army. The same for any tchotchkes or knick knacks that are taking up too much space. If there are family heirlooms you no longer have room for but can't bear to part with, see if a family member has space. Your children or grandchildren might love to have a special piece of you in their home.
One way to keep track of special mementos like letters, ticket stubs, clippings from magazines, or photographs sent from friends is to start a memory box or scrapbook. Putting it together in the first place can be a fun activity in its own right, but it will also give you a way to keep track of such things while they accumulate throughout the year. As soon as you get home from a baseball game, for example, you will immediately have a place to put your ticket or a photo from the paper the next day. Interesting articles you enjoy from various periodicals can be pasted into a journal, allowing you to recycle the rest of the magazine to save space. A memory box would let you save larger keepsakes, like a rock you found during a special walk with a loved one or pressed flowers from a plant you grew yourself.
Another important thing to stay on top of is your daily prescriptions and over-the-counter pills. It's can be easy to get confused about what you've taken throughout the day, especially if you have several medications to keep track of. Start by organizing your medicine cabinet. Put the smaller and least-used items up top, and the things you need every day front and center in the order you use them, left to right. Having everything in the exact same spot makes it simple to stick to a routine and know when you need a refill. Color code the lids with stickers or a marker if you find visual aids helpful. Dispensing your daily medications into a pill box with a section for each day of the week can help you stay on track, too.
While you're setting up your medicine cabinet, set aside anything that's expired, that you're no longer taking, or that you never use. Instead of flushing old medications down the toilet or throwing them away, take them to a drug-take-back site. Most police departments accept expired medications or can tell you where nearby pharmacies or hospitals do. Also set aside any old makeup, toiletries, or sunscreens that are expired or that you never use. There's no reason to keep around items that take up space but aren't going to do you any good.
These are just a few ways to savor spring by setting up your life to work better for you. Just a few minutes here and there will save you so much time in the long run, time you could be spending on the golf course, with friends or family, or starting an exciting new hobby like gardening, painting, or walking with friends.
We've all experienced it: A family Christmas gathering, with familiar scents drifting from a kitchen and wrapped presents sitting under a decorated tree. It's a scene most Chattanooga-area seniors look forward to each year. With so much hype and commercialism, it's easy to forget sometimes that the holidays are about preserving traditions and bonding with family.
Here are 6 tips to have a great family Christmas this year:
Give It Some Thought: Note a loved one's interests, hobbies, and collectibles. A handmade gift that appeals to someone's favorite things is beloved more than an expensive present that feels like a shot in the dark from out of left field.
Be Gracious: Imagine how you'd feel if a grandchild acted unappreciative of a gift. According to the etiquette experts at Debretts, we "must never, ever look anything but delighted with a present. Lack of taste is regrettable, but not a criminal offense."
Stick to a Budget: We can feel obligated to spend beyond our means, but generosity can actually create problems rather than happiness. Says Debretts: "Costly presents may detonate waves of guilt, obligation and social embarrassment; not everyone will be able to match your generosity, nor should they be expected to... If someone showers you with extravagant presents you are not under a moral obligation to reciprocate, or outdo them."
Give Yourself Time to Shop: You won't get the best deals or find that toy that a grandchild said he wanted if you wait until it is sold out.
Be Appropriate in Gift-Giving: Ask your children before you buy their son a drum kit or their daughter a puppy. Don't play favorites when it comes to grandchildren. Although it may seem impersonal, teenagers will prefer a gift card to clothes.
Give Experiences: A trip to the Tennessee Aquarium, the Creative Discovery Museum or other Chattanooga area attractions can inspire and entertain a family member more than a toy.
Make Experiences: Take time to share stories about past family holiday gatherings, cook traditional meals, play games, watch favorite Christmas movies, sing Christmas Carols, etc. Rituals become the things that grandchildren carry on into their own families.
With just a little effort, this holiday season can be a great one for Ooltewah seniors.
With the holidays ahead, Chattanooga area families are going to be gathering for meals and chatter. Around at least some of those dinner tables, there are going to be inevitable talks with an aging relative about whether they need a helping hand with the tasks of daily life.
If you have a parent who needs assistance with housekeeping, meals, transportation, medication administration, or personal care, they may find Regency Senior Living to be a great option for taking the next step. The same is true if you are a senior who wants to explore new opportunities for staying socially and physically active in a place where help is available when you need it.
Some families anguish over such a transition because of concerns about uprooting a loved one from their home of many decades into unknown situations that may be cloaked in misconceptions of what to expect. We all want the comfort of knowing the next chapter in our story is one of happiness rather than misery.
The freedom to come and go is part of the Assisted Living experience at Regency in Ooltewah, as is forming new friendships. Until one researches the options and understands what they are dealing with (typical costs, living arrangements, etc.), they may have misconceptions about what lay ahead and assume the worst.
Elder Advisor Gail Samaha says it is best to broach the topic with an open mind and a focus on the positives. Grown children should tell their parents that they are bringing it up out of a desire to know what their wishes are going to be in case their health starts to fail or they need more help than family caregivers alone can provide. Samaha advises people to tell their aging mom or dad that "in order for us to provide your wishes and your needs, we need to have an idea of what you can afford."
This provides an opening for the conversation. Once the senior sees what they can expect at Regency, they may transform their outlook from fear of uncertainty to eagerness to begin a new living arrangement that offers abundant opportunities to stay active and enjoy new friendships.
Some families may want to consult a doctor for his or her opinion, especially if there are indications the senior may be suffering for early stage dementia. In the mind of a senior, the recommendations of an objective professional can carry more weight in reaching a tough decision than the opinions of relatives. A son or daughter sharing their worries about an elder falling without anyone around to help can show the right motivations are at heart.
Moving is stressful for anyone, but particularly a frail senior. One advantage to living at Regency in Ooltewah is the range of services we offer, from Independent Living to Memory Care. Finding the facility that can meet their present and future healthcare needs, such as a Continuing Care Retirement Community (CCRC) will ensure the elder's life doesn't have to be disrupted a second time down the road due to declining health.
The next step is to arrange a tour at a time when the parent and other family can visit and ask questions. Speaking with residents about their experience living at Regency goes a long way toward helping because most will say they wish they'd made the move sooner.
To arrange a visit, call (615) 598-0245 or fill out the form at http://regencyseniorliving.com/chattanooga-retirement-community . After meeting with you, we can advise you on the services you may need and tell you more about the lifestyle Regency offers.