When is Financial Help Needed for Seniors

How to Recognize When Your Senior Loved Ones Need Help with Finances

We don’t always like to think about it but we will get older one day, and when that happens, we may need help with our finances. If you are a child of a senior, then it’s especially important that you recognize when your loved one may need help and step in. Today, Quality Care of Howell has some advice on how to determine when your parents need help and how to assist.

It Is Important to Recognize the Signs

A major indicator is seeing piles of unopened mail or that they have not brought in the mail for a long time. There could be overdue bills in there, so investigate and open them all to see where they stand. When you open the bills, check for any strange or unnecessary charges, as that is another red flag. Another more obvious sign is when you notice that they are beginning to have memory issues. If you call on the phone and it takes them longer than necessary to remember who you are then you should stop by to check things out.

Also, keep an eye out for potential vision problems. Even if they open the mail, if they can’t see what is due, then they could be in trouble.

What to Do If the Situation Gets Out of Hand

In the case that your loved one is becoming too forgetful, or they need more help than you can provide, then you may have to consider moving them into a senior living facility. Take the time to research facilities around your area, read customer reviews, and check the price to see what fits into your budget.

During this process, it may be necessary to sell their house and you can use those profits to pay for the senior living budget. Again, research is necessary. Go online and use a home proceeds calculator that allows you to enter the sale price of the home and all taxes and closing costs, and it will give you an idea of the final profit that you will make after the sale.

If your parents own a business, then you may need to consider selling that as well. The first step is to get a professional business valuation so you can get a good idea of its true value. In addition to seeing the profit, this valuation will also tell you a good asking price and shows potential buyers that you are making an honest deal. After that, gather all necessary documentation so you can provide it upon request.

Immediate Changes to Make If You Notice an Issue

If you believe that your parents need some help, then you can step in and take over some processes, so they don’t have to worry about them. For instance, you can change their mailing address so that the bills are delivered to your home instead and then you can pay them when necessary. Also, you should ask them about their monthly utilities so you can pay those, too.

Obviously, it can be sad to see that your senior loved one needs help, but by following these steps, you can provide the care they need and solve their financial situation. If you are selling a house or business, get a valuation so you can save money in the process.


Quality Care of Howell is a family operated, assisted living facility licensed as an Adult Foster Care. Call (517) 579-2019.

Author: Andrea Needham

Eldersday.org

Written on 10/05/2022

The Affects of Daylight Savings Time

It’s Time to Spring Ahead Again

Daylight Savings time (DSL) is just around the corner. On Sunday, March 13, we will set our clocks ahead one hour, beginning at 2 a.m. While it is exciting to embrace the change of seasons and the warmer days of Spring, “springing ahead” affects all of us, especially those with Alzheimer’s and dementia.

We have all experienced those first few days of feeling tired when we change our clocks. Our brain feels foggy, and it seems harder to wind down at the end of the day. Now imagine suffering from dementia and Alzheimer’s where navigating through daily living already experiencing confusion can be challenging enough.

Sundowning and DSL

One of the biggest affects is the occurrence of “sundowning.” Sundowning is a condition defined as, “a state of confusion occurring in the late afternoon and spanning into the night.” Sundowning can cause a variety of behaviors, such as confusion, anxiety, aggression or ignoring directions. Sundowning can also lead to pacing or wandering.” (Mayo Clinic) Often the time changes exacerbate sundowning syndrome even more. Symptoms that can occur include:

•                     Heightened irritability

•                     Confusion

•                    Fatigue

 

Keeping Routines Help Ease the Transition

As we prepare to visit our loved ones during the day or even weeks that follow, there are several ways we can help make our resident’s transition smoother. The Mayo Clinic offers the following suggestions, such as:

•                     Maintaining routines such as meals, bedtime, waking and other daily activities

•                     Discouraging daytime naps until their bodies adjust

•                     Limiting sugar and caffeine intake to morning hours.

Activities to Ease the Transition and Embrace Spring

Additionally, after a long winter, DSL is an opportunity to begin focusing on fun Spring activities or even slight wardrobe changes to help transition into the season. Some suggestions include:

•                     Swapping out winter clothes for spring clothes. While we live in Michigan, where winter weather can last well past DSL and with the vernal equinox scheduled for Sunday, March 20, warm weather clothing probably isn’t an option. However, we can help residents swap out darker clothes with traditional pastel-colored sweaters and sweatshirts.

•                     In anticipation of spending more time outdoors, have residents paint wooden planter boxes. When the weather warms up, they can look forward to planting flowers in the newly painted boxes.

•                     Decorate your facility for spring with flowers and butterfly decals or hire a professional window painter. Let the residents direct and contribute suggestions about the painting subjects.

In addition to redirecting with new activities and daily routines as we adjust to longer days, often compassion and care can also go a long way in helping our families and residents with the transition.

~ Colleen Buehner

 

For more information on the topics above please feel free to peruse the sources below:

Citations

Not Just Bingo.

https://www.ssww.com/blog/5-senior-activity-ideas-celebrate-daylight-savingstime/

Radford-Graff, J. Sundowning: Late-day Confusion.

https://www.mayoclinic.org/diseases-conditions/alzheimers-disease/expert-answers/sundowning/faq-20058511#:~:text=The%20term%20%22sundowning%22%20refers%20to,lead%20to%20pacing%20or%20wandering

RESIDENT CARE AIDE DIRECTOR SPOTLIGHT

Linda joined the QCOH team in August, 2019

She has had a very diverse career history including sales and marketing. Linda says that her favorite thing about QCOH is getting to know our residents.

Linda will soon be transitioning to the role of QCOH’s activity director. She is looking forward to planning and participating in fun activities with our residents.

Image of Linda Ramirez

Linda Ramirez

In her spare time, Linda enjoys hanging out with her grandson, Asher. Family is especially important to Linda and when she is not here with her QCOH family, she likes being up north with her brothers, sisters, children and nieces and nephews.