Isolation of the elderly can lead to some upsetting health results, and can raise the risk of death. According to a review published in the Journal of Primary Prevention, social isolation has been shown to cause many harmful health problems in seniors, such as a heightened risk for all-cause mortality, dementia, re-hospitalization and more falls.

As stated in the UChicago News, social isolation can interrupt sleep, raise blood pressure, cause a morning surge in the stress hormone, cortisol, change gene expression in immune cells, escalate depression and reduce a sense of well-being.

There are several measures friends and family can take to combat such feelings of social isolation in seniors. You can make sure that they have a sufficient amount of incontinence supplies and that they are tested for hearing and vision on a regular basis. You can also ask neighbors to help by visiting them to see if they are feeling OK. In addition, you can call or email them frequently if you are unable to see them in person.

Another preventative measure is to arrange for food to be delivered to them so as to prevent them from suffering from malnutrition. An organization such as Meals on Wheels can provide this service along with some social interaction. You can help seniors become more socially active by encouraging an enabling them to use hearing aids or walkers. Give rides to senior relatives whenever possible or arrange rides for them.

Contact your local Area Agency on Aging to discover senior centers, transportation services and other programs to help the elderly.

The elder law attorneys at Hook Law Center assist Virginia families with will preparation, trust & estate administration, guardianships and conservatorships, long-term care planning, special needs planning, veterans benefits, and more. To learn more, visit http://www.hooklawcenter.com/ or call 757-399-7506.

Sources

THE FUTURE OF SPECIAL NEEDS PLANNING

by Thomas D. Begley, Jr., CELA

Special needs planning is a process of planning for the legal, personal, and financial needs of an individual with disabilities to enhance the quality of life of that person to allow them to reach their full potential.  It is interesting to examine the historical treatment of persons with disabilities.  In the pre-1700s, persons with disabilities were viewed as “possessed by the devil” and they were tortured, burned at the stake, and left to die.  Between the 1800s and 1920s, these individuals were viewed as genetically defective, inferior, hidden away, and displayed as freaks and beggars.  Between 1930 and 1940, they were viewed as genetically defective, polluting the race—institutionalized, sterilized, exterminated, and the subject of eugenics. From 1940 to 1970, there were usually viewed as unfortunate objects of pity, and were institutionalized with a view toward rehabilitation.  From the 1970s to the 2000s, individuals with disabilities are viewed as independent and self-determined.  The goal is for them to live independently, to provide civil rights, and to mainstream them into society.

Planning begins by examining unmet needs including whether the person needs a monthly income, is there a current need for advocacy, are health care needs being met, is there a change or loss in benefits, does the person have a satisfactory living arrangement, and are parents taking advantage of respite care.

Good planning involves team building.  The Special Needs Team should include individuals who are compassionate and who are experienced in the needs of individuals with disabilities.  Frequently, these team members have family members with disabilities themselves.  Members of the team should include an Attorney, a Life Care Planner, Financial Advisors, Care Managers, Caregivers, Benefit Counselors, and competent Trustees.  In cases involving a Third-Party Special Needs Trust where a parent is establishing a trust for a child with disabilities, the Attorney is often the first point of contact and is responsible for assembling the team.  A critical component is the Life Care Plan.  The family meets with the Life Care Planner and determines the lifestyle they would like to have for the child with disabilities after the parents are gone.  The Life Care Planner then determines the cost of each component of the plan.  Once the cost has been determined, Financial Advisors are brought in to determine how the parents can achieve that lifestyle.  In most cases, the solution is a second-to-die life insurance policy on the parents that would be payable to a Special Needs Trust on the death of the surviving parent.  After the parents have died, it is important to engage the services of a Care Manager to do an assessment of the individual with disabilities and develop a Care Plan based on the Life Care Plan initially developed by the parents in conjunction with the Life Care Planner.  The Care Manager hires Caregivers, supervises them, monitors the plan, and makes adjustments as required.  A Benefit Counselor, in some instances the Attorney, is responsible for obtaining whatever public benefits are available to stretch needed dollars for the benefit of the individual with disabilities.  It is important that the Attorney and the Client view the Attorney as more than a document generator but, more accurately, as the team leader who is building a team to achieve the goals that the parents establish for their child with disabilities.  The Attorney must be networked with local resources such as not-for-profits and trustees.  It is also important for the attorney to have strong relationships with Social Security and Medicaid.

The practitioner’s planning tools usually include a Third-Party Special Needs Trust, a Letter of Intent (updated on a regular basis), and the Special Needs Team.

In the future many changes will occur including different types of persons with different disabilities.  Many persons with disabilities are aging at a fast rate.  It will be even more important to keep abreast of legal, medical, and technological advances.  Special Needs Trusts may become commoditized, but Special Needs Planning will not.  The number of persons with disabilities is increasing.  In 2004, the U.S. Census Bureau estimated it was one in seven people; in 2010 the Bureau estimated it was one in five.  The population age 65 and older is predicted to double from 35 million to 70 million by 2030.  The population of people age 21 to 64 with disabilities is 20 million, which equals 12.1% of the population.  Under age 15, 5.2 million individuals have disabilities.  Roughly half of those are severe, according to the U.S. Census Bureau.  It is predicted that individuals with disabilities will grow substantially in the next twenty to thirty years because of the aging of baby boomers, Autism and returning combat veterans.  Because of medical advances, there may be fewer people with developmental disabilities such as Down Syndrome, Cerebral Palsy, and related conditions, but there may be more Americans with voluntary disabilities such as obesity and drug and alcohol addiction.  Voluntary disabilities may not be covered by government benefits in the future.  Because of medical advances, there is a higher survival rate of pre-mature birth babies.  Also, individuals with disabilities are outliving life expectancy, because of medical advances.  However, they are experiencing age-related issues at a much younger age.  It is likely that aging individuals with disabilities will develop secondary conditions such as Depression, Arthritis, Chronic Pain, Pressure Sores, Fatigue, etc., which may cause a loss of independence.  Genetic testing is now available that will not only determine whether an individual has Down Syndrome or Spina Bifida, but also a whole range of conditions.  It is anticipated that in the very near future genetic testing will be able to identify conditions such as eye and hair color, predisposition of an A-type personality, predisposition of Alzheimer’s or Dementia, and possibly sexual orientation.  Genetic testing may cover conditions such as the immune system, general health, cardiovascular conditions, aging, and Cancers.  The question is whether genetic testing will cause an increase in abortions.  This will raise the ethical question of whether such testing is desirable.

One of the fastest growing disabilities is Autism.  Nationally one of every 50 children is diagnosed with a condition on the Autism Spectrum.  The increase is partially due to the evolving definition of Autism.  Causes are not really known, but theories include environmental, vaccines, age of parents, and food such as glutens, MSG, Casein, dyes, etc.  There is no cure for Autism.  The possible passage of the Able Act and the implementation of the KISS Trust will tend to commoditize Special Needs Trusts.  However, they do not commoditize Special Needs Planning.  It is important for an Attorney to distinguish himself or herself as a Planner, not a document drafter.

Special needs planning is a process of planning for the legal, personal, and financial needs of an individual with disabilities to enhance the quality of life of that person to allow them to reach their full potential.  It is interesting to examine the historical treatment of persons with disabilities.  In the pre-1700s, persons with disabilities were viewed as “possessed by the devil” and they were tortured, burned at the stake, and left to die.  Between the 1800s and 1920s, these individuals were viewed as genetically defective, inferior, hidden away, and displayed as freaks and beggars.  Between 1930 and 1940, they were viewed as genetically defective, polluting the race—institutionalized, sterilized, exterminated, and the subject of eugenics. From 1940 to 1970, there were usually viewed as unfortunate objects of pity, and were institutionalized with a view toward rehabilitation.  From the 1970s to the 2000s, individuals with disabilities are viewed as independent and self-determined.  The goal is for them to live independently, to provide civil rights, and to mainstream them into society.

Planning begins by examining unmet needs including whether the person needs a monthly income, is there a current need for advocacy, are health care needs being met, is there a change or loss in benefits, does the person have a satisfactory living arrangement, and are parents taking advantage of respite care.

Good planning involves team building.  The Special Needs Team should include individuals who are compassionate and who are experienced in the needs of individuals with disabilities.  Frequently, these team members have family members with disabilities themselves.  Members of the team should include an Attorney, a Life Care Planner, Financial Advisors, Care Managers, Caregivers, Benefit Counselors, and competent Trustees.  In cases involving a Third-Party Special Needs Trust where a parent is establishing a trust for a child with disabilities, the Attorney is often the first point of contact and is responsible for assembling the team.  A critical component is the Life Care Plan.  The family meets with the Life Care Planner and determines the lifestyle they would like to have for the child with disabilities after the parents are gone.  The Life Care Planner then determines the cost of each component of the plan.  Once the cost has been determined, Financial Advisors are brought in to determine how the parents can achieve that lifestyle.  In most cases, the solution is a second-to-die life insurance policy on the parents that would be payable to a Special Needs Trust on the death of the surviving parent.  After the parents have died, it is important to engage the services of a Care Manager to do an assessment of the individual with disabilities and develop a Care Plan based on the Life Care Plan initially developed by the parents in conjunction with the Life Care Planner.  The Care Manager hires Caregivers, supervises them, monitors the plan, and makes adjustments as required.  A Benefit Counselor, in some instances the Attorney, is responsible for obtaining whatever public benefits are available to stretch needed dollars for the benefit of the individual with disabilities.  It is important that the Attorney and the Client view the Attorney as more than a document generator but, more accurately, as the team leader who is building a team to achieve the goals that the parents establish for their child with disabilities.  The Attorney must be networked with local resources such as not-for-profits and trustees.  It is also important for the attorney to have strong relationships with Social Security and Medicaid.

The practitioner’s planning tools usually include a Third-Party Special Needs Trust, a Letter of Intent (updated on a regular basis), and the Special Needs Team.

In the future many changes will occur including different types of persons with different disabilities.  Many persons with disabilities are aging at a fast rate.  It will be even more important to keep abreast of legal, medical, and technological advances.  Special Needs Trusts may become commoditized, but Special Needs Planning will not.  The number of persons with disabilities is increasing.  In 2004, the U.S. Census Bureau estimated it was one in seven people; in 2010 the Bureau estimated it was one in five.  The population age 65 and older is predicted to double from 35 million to 70 million by 2030.  The population of people age 21 to 64 with disabilities is 20 million, which equals 12.1% of the population.  Under age 15, 5.2 million individuals have disabilities.  Roughly half of those are severe, according to the U.S. Census Bureau.  It is predicted that individuals with disabilities will grow substantially in the next twenty to thirty years because of the aging of baby boomers, Autism and returning combat veterans.  Because of medical advances, there may be fewer people with developmental disabilities such as Down Syndrome, Cerebral Palsy, and related conditions, but there may be more Americans with voluntary disabilities such as obesity and drug and alcohol addiction.  Voluntary disabilities may not be covered by government benefits in the future.  Because of medical advances, there is a higher survival rate of pre-mature birth babies.  Also, individuals with disabilities are outliving life expectancy, because of medical advances.  However, they are experiencing age-related issues at a much younger age.  It is likely that aging individuals with disabilities will develop secondary conditions such as Depression, Arthritis, Chronic Pain, Pressure Sores, Fatigue, etc., which may cause a loss of independence.  Genetic testing is now available that will not only determine whether an individual has Down Syndrome or Spina Bifida, but also a whole range of conditions.  It is anticipated that in the very near future genetic testing will be able to identify conditions such as eye and hair color, predisposition of an A-type personality, predisposition of Alzheimer’s or Dementia, and possibly sexual orientation.  Genetic testing may cover conditions such as the immune system, general health, cardiovascular conditions, aging, and Cancers.  The question is whether genetic testing will cause an increase in abortions.  This will raise the ethical question of whether such testing is desirable.

One of the fastest growing disabilities is Autism.  Nationally one of every 50 children is diagnosed with a condition on the Autism Spectrum.  The increase is partially due to the evolving definition of Autism.  Causes are not really known, but theories include environmental, vaccines, age of parents, and food such as glutens, MSG, Casein, dyes, etc.  There is no cure for Autism.  The possible passage of the Able Act and the implementation of the KISS Trust will tend to commoditize Special Needs Trusts.  However, they do not commoditize Special Needs Planning.  It is important for an Attorney to distinguish himself or herself as a Planner, not a document drafter.

In practice, of course, it does not work quite like that. It is still significantly less common for men to be awarded alimony – indeed, many men who may be eligible for alimony do not even request it. This is despite the fact that women’s likelihood of working and their income levels are both rising, and they are now more likely than ever to be the primary or even sole breadwinner member of a couple.

A recent study from Pew Research Center on “breadwinner moms” shows that a record 40 percent of households with minor children include mothers who are either the primary or sole source of family income. The figure was just 11 percent in 1960. The 40 percent figure must be taken with a grain of salt: two-thirds of that group is made up of single mothers with a median income of just $23,000. The other third, though, is made up of 5.1 million married mothers with a median family income of nearly $80,000. These are the true breadwinner wives and mothers who might very well have to pay alimony if they divorced and their spouses requested it.

But the truth is, many men who might be eligible to receive alimony do not request it. According to the U.S. Census Bureau, in 2010, there were 380,000 women in the U.S. receiving alimony, but just 12,000 men. A man might believe that asking for alimony is a sign of weakness. If he comes from a marriage in which his spouse made more money, he might have lingering issues with not being the primary breadwinner that could make him hesitant to continue in a role of being supported by his spouse.

It is still true that alimony is more often awarded to women than to men because women are more likely to have foregone education and work experience for the sake of a spouse or a family. But that is a generalization. An individual man is more likely than ever to be in a marriage in which the opposite is true. Anyone seeking a divorce who believes they need or deserve to be awarded alimony should seek the counsel of an experienced divorce attorney as soon as possible.

Kristi J. McCart is a Tampa divorce lawyer and Brandon child custody attorney with the Osenton Law Offices, P.A. To learn more, visit http://www.brandonlawoffice.com/

The U.S. population is aging rapidly as a result of falling birthrates and rising life expectancies. According to the U.S. Census Bureau projections, by 2050, one-in-five Americans will be 65 or older, and at least 400,000 will be 100 or older.

(Related: Seven Questions To Ask When Searching for Assisted Living)

There are some futurists that believe even more dramatic changes are coming, including medical treatments that could slow, stop, or reverse the aging process and allow humans to remain healthy and productive to the age 120 or more.

The likelihood of extraordinary life spans is becoming increasingly possible. For example, a recent issue of National Geographic magazine carried a picture of a baby on its cover with the headline: “This Baby Will Live to Be 120.”

(Related: Alzheimer’s Disease Improved by Exercise, University of Maryland Study Shows)

With that said, many Americans are not optimistic about the possibility of living longer lives. According to a new survey by the Pew Research Center, they see peril as well as promise in biomedical advances, and more believe it would be a bad thing for society if people lived decades longer than today.

(Related: If you have Alzheimer’s or Dementia, there’s a Group waiting for You)

When asked whether they, personally, would choose to undergo medical treatments to slow the aging process and live to be 120 or more, a majority of U.S. adults (56 percent) say “no.” However, close to two-thirds (68 percent) think that most other people would. And last, they expect that dramatically longer life spans would strain the country’s natural resources and be available only to the wealthy.

Read more: The Pew Foundation Report

Christopher J. Berry is a Michigan elder law attorney Dedicated to helping seniors, veterans and their families navigate the long-term care maze. To learn more visit http://www.theeldercarefirm.com/ or call 248.481.4000