Resources for Family Caregiver

Living Healthy With Diabetes: A Guide for Adults 55 And Up

heidi Resources for Family Caregiver, Resources for Seniors Comments Off on Living Healthy With Diabetes: A Guide for Adults 55 And Up
This guide can help you avoid complications with your diabetes as you get older.

This guide can help you avoid complications with your diabetes as you get older.

As people get older, their risk for type 2 diabetes increases. In fact, in the United States about one in four people over the age of 60 has diabetes.

If you already have diabetes, you may find that you need to adjust how you manage your condition as the years go by. This guide provides information for adults 55 years and older to help you take care of your diabetes over the long term, so that you can avoid or delay complications and live a long, happy, and active life.

Living with diabetes, while it can be effectively managed, can be tough at times. Every day is a new hurdle with unique challenges that you must jump over. As you get older, jumping over those hurdles can become a bit more challenging, but it’s not impossible. With age comes an increased risk for specific complications that require diligence and care to properly mitigate them.


Some Life Insurance Policies Let You Cash In For Health Care Needs

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You don't have to die to benefit from some life insurance policies.

You don’t have to die to benefit from some life insurance policies.

What if you suffer a major heart attack, stroke, or invasive cancer and don’t die? Would your family be able to maintain their standard of living if you were financially impacted by a serious illness?

Traditional life insurance is designed to provide security for your loved ones in the event of your premature death… but what if you could get life insurance you don’t have to die to use?

Some insurance companies are offering life insurance policies that allow you access to your life insurance at a time when you need it for your longevity and for your retirement.

After all, most Americans may be spending 20-plus years in retirement. What if you live a lot longer in retirement than originally planned?

One in 4 65-year-olds will live past the age of 90 and one in 10 65-year-olds will live past the age of 95, according to Social Security Administration data.

The positive aspects of living longer come with some financial concerns, especially when more than 70 million Americans ages 50 and older (four out of five older adults) suffer from at least one chronic condition, according to AARP.

For instance, American General offers Quality of Life… Insurance (QoL) that is built with flexible living benefit riders. QoL allows you to leverage your policy to help protect against premature death, longer life expectancy and critical illness.

The company’s Quality of Life… Insurance products allows you to use your death benefit as an income stream to take care of unexpected expenses later in your retirement. If you are diagnosed with a chronic, critical or terminal illness, you can access all or a part of your death benefit to help deal with the financial impact of such an illness. Whether or not you use these benefits is up to you. They are there if you need them. But if not, your full life insurance benefit passes to your beneficiaries at death.


Prepare to Care: Tips for Every Caregiver

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Caring for a spouse or a parent? Then check out this valuable resource center to make your caregiving job easier and your life better.

Caring for a spouse or a parent? Then check out this valuable resource center to make your caregiving job easier and your life better.

If you are a family caregiver, you may be feeling stretched beyond your limits, frustrated, and overwhelmed by the sheer responsibility on your shoulders right now.

You may even be feeling isolated, alone, scared and depressed. It’s been said that caregiving often leads us to lean into love we didn’t know possible. Remember this: you are not alone. You are part of a huge movement of family caregivers–numbering forty million Americans–who in the past 12 months have provided unpaid care to an adult. The challenges you face every day as a caregiver are shared challenges.

For guidance, information, and support in your caregiving duties, check out AARP’s Caregiving Resource Center. You’ll find a caregiver hotline (1-877-333-5885); caregiver guides and checklists on a variety of topics, including transitioning between care settings; articles such as 6 signs of caregiver burnout and 12 resources every caregiver should know about; discussion forums and expert articles on benefits, insurance, and legal and financial matters.

In addition, AARP has published Prepare to Care: A Planning Guide for Families. You’ll find useful tips on starting the caregiving conversation with your loved ones, forming a caregiving team, making a plan, finding support, and caring for yourself.