Alcohol Presents Yet Another Health Challenge For Women

Women and Drinking

Exercise, diet, hormones, and stress: keeping up with all the health issues facing women is a challenge. Alcohol presents yet another health challenge for women. Even in small amounts, alcohol affects women differently than men. In some ways, heavy drinking is much more risky for women than it is for men.

With any health issue, accurate information is key. There are times and ways to drink that are safer than others. Every woman is different. No amount of drinking is 100 percent safe, 100 percent of the time, for every woman. With this in mind, it’s important to know how alcohol can affect a woman’s health and safety.

How Much Is Too Much?

Sixty percent of U.S. women have at least one drink a year. Among women who drink, 13 percent have more than seven drinks per week.

For women, this level of drinking is above the recommended limits published in the Dietary Guidelines for Americans, which are issued jointly by the U.S. Department of Agriculture and the U.S. Department of Health and Human Services. (The Dietary Guidelines can be viewed online)

The Dietary Guidelines define moderate drinking as no more than one drink a day for women and no more than two drinks a day for men.

The Dietary Guidelines point out that drinking more than one drink per day for women can increase the risk for motor vehicle crashes, other injuries, high blood pressure, stroke, violence, suicide, and certain types of cancer.

Some people should not drink at all, including:

  • Anyone under age 21
  • People of any age who are unable to restrict their drinking to moderate levels
  • Women who may become pregnant or who are pregnant
  • People who plan to drive, operate machinery, or take part in other activities that require attention, skill, or coordination
  • People taking prescription or over-the-counter medications that can interact with alcohol.

Why are lower levels of drinking recommended for women than for men? Because women are at greater risk than men for developing alcohol-related problems. Alcohol passes through the digestive tract and is dispersed in the water in the body. The more water available, the more diluted the alcohol. As a rule, men weigh more than women, and, pound for pound, women have less water in their bodies than men. Therefore, a woman’s brain and other organs are exposed to more alcohol and to more of the toxic byproducts that result when the body breaks down and eliminates alcohol.

What is a drink? A standard drink is:

  • One 12-ounce bottle of beer or wine cooler
  • One 5-ounce glass of wine
  • 1.5 ounces of 80-proof distilled spirits

Keep in mind that the alcohol content of different types of beer, wine, and distilled spirits can vary quite substantially.

Moderate Drinking: Benefits and Risks

Moderate drinking can have short- and long-term health effects, both positive and negative:

  • Benefits Heart disease: Once thought of as a threat mainly to men, heart disease also is the leading killer of women in the United States. Drinking moderately may lower the risk for coronary heart disease, mainly among women over age 55. However, there are other factors that reduce the risk of heart disease, including a healthy diet, exercise, not smoking, and keeping a healthy weight. Moderate drinking provides little, if any, net health benefit for younger people. (Heavy drinking can actually damage the heart.)
  • Risks Drinking and driving: It doesn’t take much alcohol to impair a person’s ability to drive. The chances of being killed in a single-vehicle crash are increased at a blood alcohol level that a 140-lb. woman would reach after having one drink on an empty stomach. Medication interactions: Alcohol can interact with a wide variety of medicines, both prescription and over-the-counter. Alcohol can reduce the effectiveness of some medications, and it can combine with other medications to cause or increase side effects. Alcohol can interact with medicines used to treat conditions as varied as heart and blood vessel disease, digestive problems, and diabetes. In particular, alcohol can increase the sedative effects of any medication that causes drowsiness, including cough and cold medicines and drugs for anxiety and depression. When taking any medication, read package labels and warnings carefully. Breast cancer: Research suggests that as little as one drink per day can slightly raise the risk of breast cancer in some women, especially those who have a family history of breast cancer. It is not possible, however, to predict how alcohol will affect the risk for breast cancer in any one woman. Fetal Alcohol Syndrome: Drinking by a pregnant woman can harm her unborn baby, and may result in a set of birth defects called fetal alcohol syndrome (FAS).

Fetal Alcohol Syndrome

  • Fetal alcohol syndrome (FAS) is the most common known preventable cause of mental impairment. Babies with FAS have distinctive changes in their facial features and they may be born small. The brain damage that occurs with FAS can result in lifelong problems with learning, memory, attention, and problem solving. These alcohol-related changes in the brain may be present even in babies whose appearance and growth are not affected. It is not known if there is any safe drinking level during pregnancy; nor is there any stage of pregnancy in which drinking-at any level-is known to be risk free. If a woman is pregnant, or wants to become pregnant, she should not drink alcohol. Even if she is pregnant and already has consumed alcohol, it is important to stop drinking for the rest of her pregnancy. Stopping can reduce the chances that her child might be harmed by alcohol.
  • Another risk of drinking is that a woman may at some point abuse alcohol or become alcoholic (alcohol dependent). Drinking more than seven drinks per week increases a woman’s chances of abusing or becoming dependent on alcohol. Even women who drink fewer than seven drinks a week are at increased risk of developing alcohol abuse or dependence if they occasionally have four or more drinks on any given day.
  • The ability to drink a man-or anyone-under the table is not a plus: it is a red flag. Research has shown that drinkers who are able to handle a lot of alcohol all at once are at higher-not lower-risk of developing problems, such as dependence on alcohol.

Heavy Drinking

An estimated 5.3 million women in the United States drink in a way that threatens their health, safety, and general well-being. A strong case can be made that heavy drinking is more risky for women than men:

  • Heavy drinking increases a woman’s risk of becoming a victim of violence and sexual assault.
  • Drinking over the long term is more likely to damage a woman’s health than a man’s, even if the woman has been drinking less alcohol or for a shorter length of time than the man.
  • The health effects of alcohol abuse and alcoholism are serious. Some specific health problems include:
  • Alcoholic liver disease: Women are more likely than men to develop alcoholic hepatitis (liver inflammation) and to die from cirrhosis.
  • Brain disease: Most alcoholics have some loss of mental function, reduced brain size, and changes in the function of brain cells. Research suggests that women are more vulnerable than men to alcohol-induced brain damage.
  • Cancer: Many studies report that heavy drinking increases the risk of breast cancer. Alcohol also is linked to cancers of the digestive tract and of the head and neck (the risk is especially high in smokers who also drink heavily).
  • Heart disease: Chronic heavy drinking is a leading cause of cardiovascular disease. Among heavy drinkers, men and women have similar rates of alcohol-related heart disease, even though women drink less alcohol over a lifetime than men.

Finally, many alcoholics smoke; smoking in itself can cause serious long-term health consequences.

Alcohol in Women’s Lives: Safe Drinking Over a Lifetime

The pressures to drink more than what is safe–and the consequences–change as the roles that mark a woman’s life span change. Knowing the signs that drinking may be a problem instead of a pleasure can help women who choose to drink do so without harm to themselves or others.

Adolescence

Despite the fact that drinking is illegal for anyone under the age of 21, the reality is that many adolescent girls drink. Research shows that about 39 percent of 9th grade girls-usually about 14 years old-report drinking in the past month. (This rate is slightly less than that for 9th grade boys.) Even more alarming is the fact that about 21 percent of these same young girls report having had five or more drinks on a single occasion during the previous month.

Consequences of Unsafe Drinking

  • Drinking under age 21 is illegal in every State.
  • Drunk driving is one of the leading causes of teen death.
  • Drinking makes young women more vulnerable to sexual assault and unsafe and unplanned sex. On college campuses, assaults, unwanted sexual advances, and unplanned and unsafe sex are all more likely among students who drink heavily on occasion-for men, five drinks in a row, for women, four. In general, when a woman drinks to excess she is more likely to be a target of violence or sexual assault.
  • Young people who begin drinking before age 15 have a 40-percent higher risk of developing alcohol abuse or alcoholism some time in their lives than those who wait until age 21 to begin drinking. This increased risk is the same for young girls as it is for boys.

Alcohol’s Appeal for Teens

Among the reasons teens give most often for drinking are to have a good time, to experiment, and to relax or relieve tension. Peer pressure can encourage drinking. Teens who grow up with parents who support, watch over, and talk with them are less likely to drink than their peers.

Staying Away From Alcohol

Young women under age 21 should not drink alcohol. Among the most important things parents can do is to talk frankly with their daughters about not drinking alcohol.

Women in Young and Middle Adulthood

Young women in their twenties and early thirties are more likely to drink than older women. No one factor predicts whether a woman will have problems with alcohol, or at what age she is most at risk. However, there are some life experiences that seem to make it more likely that women will have drinking problems.

Heavy drinking and drinking problems among White women are most common in younger age groups. Among African American women, however, drinking problems are more common in middle age than youth. A woman’s ethnic origins-and the extent to which she adopts the attitudes of mainstream vs. her native culture-influence how and when she will drink. Hispanic women who are more “mainstream” are more likely to drink and to drink heavily (that is, to drink at least once a week and to have five or more drinks at one time).

Research suggests that women who have trouble with their closest relationships tend to drink more than other women. Heavy drinking is more common among women who have never married, are living unmarried with a partner, or are divorced or separated. (The effect of divorce on a woman’s later drinking may depend on whether she is already drinking heavily in her marriage.) A woman whose husband drinks heavily is more likely than other women to drink too much.

Many studies have found that women who suffered childhood sexual abuse are more likely to have drinking problems.

Depression is closely linked to heavy drinking in women, and women who drink at home alone are more likely than others to have later drinking problems.

Stress and Drinking

Stress is a common theme in women’s lives. Research confirms that one of the reasons people drink is to help them cope with stress. However, it is not clear just how stress may lead to problem drinking. Heavy drinking by itself causes stress in a job and family. Many factors, including family history, shape how much a woman will use alcohol to cope with stress. A woman’s past and usual drinking habits are important. Different people have different expectations about the effect of alcohol on stress. How a woman handles stress, and the support she has to manage it, also may affect whether she uses alcohol in response to stress.

Consequences of Unsafe Drinking

  • The number of female drivers involved in alcohol-related fatal traffic crashes is going up, even as the number of male drivers involved in such crashes has decreased. This trend may reflect the increasing number of women who drive themselves, even after drinking, as opposed to riding as a passenger.
  • Long-term health problems from heavy drinking include liver, heart, and brain disease, and cancer.
  • Because women are more likely to become pregnant in their twenties and thirties, this age group faces the greatest risk of having babies with the growth and mental impairments of fetal alcohol syndrome, which is caused by drinking during pregnancy.

Older Women

As they grow older, fewer women drink. At the same time, research suggests that people born in recent decades are more likely to drink-throughout life-than people born in the early 1900s. Elderly patients are admitted to hospitals about as often for alcohol-related causes as for heart attacks.

Older women may be especially sensitive to the stigma of being alcoholic, and therefore hesitate to admit if they have a drinking problem.

Consequences of Unsafe Drinking

  • Older women, more than any other group, use medications that can affect mood and thought, such as those for anxiety and depression. These “psychoactive” medications can interact with alcohol in harmful ways.
  • Research suggests that women may be more likely to develop or to show alcohol problems later in life, compared with men.

Age and Alcohol

Aging seems to reduce the body’s ability to adapt to alcohol. Older adults reach higher blood levels of alcohol even when drinking the same amount as younger people. This is because, with aging, the amount of water in the body is reduced and alcohol becomes more concentrated. But even at the same blood alcohol level, older adults may feel some of the effects of alcohol more strongly than younger people.

Alcohol problems among older people often are mistaken for other aging-related conditions. As a result, alcohol problems may be missed and untreated by health care providers, especially in older women.

Staying Well

Older women need to be aware that alcohol will “go to their head” more quickly than when they were younger. Also, caregivers need to know that alcohol may be the cause of problems assumed to result from age, such as depression, sleeping problems, eating poorly, heart failure, and frequent falls.

The National Institute on Alcohol Abuse and Alcoholism recommends that people ages 65 and older limit their consumption of alcohol to one drink per day.

An important point is that older people with alcohol problems respond to treatment as well as younger people. Those with shorter histories of problem drinking do better in treatment than those with long-term drinking problems.

Women and Problem Drinking

Fewer women than men drink. However, among the heaviest drinkers, women equal or surpass men in the number of problems that result from their drinking. For example, female alcoholics have death rates 50 to 100 percent higher than those of male alcoholics, including deaths from suicides, alcohol-related accidents, heart disease and stroke, and liver cirrhosis.

An Individual Decision

A woman’s genetic makeup shapes how quickly she feels the effects of alcohol, how pleasant drinking is for her, and how drinking alcohol over the long term will affect her health, even the chances that she could have problems with alcohol. A family history of alcohol problems, a woman’s risk of illnesses like heart disease and breast cancer, medications she is taking, and age are among the factors for each woman to weigh in deciding when, how much, and how often to drink.

What Are Alcohol Abuse and Alcoholism?

Alcohol abuse is a pattern of drinking that is harmful to the drinker or others. The following situations, occurring repeatedly in a 12-month period, would be indicators of alcohol abuse:

  • Missing work or skipping child care responsibilities because of drinking
  • Drinking in situations that are dangerous, such as before or while driving
  • Being arrested for driving under the influence of alcohol or for hurting someone while drunk
  • Continuing to drink even though there are ongoing alcohol-related tensions with friends and family.

Alcoholism or alcohol dependence is a disease. It is chronic, or lifelong, and it can be both progressive and life threatening. Alcoholism is based in the brain. Alcohol’s short-term effects on the brain are what cause someone to feel high, relaxed, or sleepy after drinking.

In some people, alcohol’s long-term effects can change the way the brain reacts to alcohol, so that the urge to drink can be as compelling as the hunger for food. Both a person’s genetic makeup and his or her environment contribute to the risk for alcoholism. The following are some of the typical characteristics of alcoholism:

  • Craving: a strong need, or compulsion, to drink
  • Loss of control: the inability to stop drinking once a person has begun
  • Physical dependence: withdrawal symptoms, such as nausea, sweating, shakiness, and anxiety, when alcohol use is stopped after a period of heavy drinking
  • Tolerance: the need for increasing amounts of alcohol to get “high.”

Know the Risks

Research suggests that a woman is more likely to drink excessively if she has any of the following:

  • Parents and siblings (or other blood relatives) with alcohol problems
  • A partner who drinks heavily
  • The ability to “hold her liquor” more than others
  • A history of depression
  • A history of childhood physical or sexual abuse

The presence of any of these factors is a good reason to be especially careful with drinking.

How Do You Know if You Have a Problem?

Answering the following four questions can help you find out if you or someone close to you has a drinking problem.

  • Have you ever felt you should cut down on your drinking?
  • Have people annoyed you by criticizing your drinking?
  • Have you ever felt bad or guilty about your drinking?
  • Have you ever had a drink first thing in the morning to steady your nerves or to get rid of a hangover?

One “yes” answer suggests a possible alcohol problem. If you responded “yes” to more than one question, it is very likely that you have a problem with alcohol. In either case, it is important that you see your health care provider right away to discuss your responses to these questions.

Even if you answered “no” to all of the above questions, if you are having drinking-related problems with your job, relationships, health, or with the law, you should still seek help.

Treatment for Alcohol Problems

Treatment for an alcohol problem depends on its severity. Women who have alcohol problems but who are not yet alcohol dependent may be able to stop or reduce their drinking with minimal help. Routine doctor visits are an ideal time to discuss alcohol use and its potential problems. Health care providers can help a woman take a good hard look at what effect alcohol is having on her life and can give advice on ways to stop drinking or to cut down.

Research Directions

The National Institute on Alcohol Abuse and Alcoholism (NIAAA), a component of the National Institutes of Health (NIH), supports about 90 percent of the Nation’s research on alcohol use and its effects. The goal of this research is to better understand the causes and consequences of alcohol abuse and addiction, and to find new ways to prevent and treat alcohol problems.

Finding out what makes some women drink too much is the first step to preventing alcohol problems in women. Scientists are studying the role of genetics and family environment in increasing or decreasing the risk of alcohol problems. They also are studying other features of a woman’s life, such as the type of job she has; whether she combines family and work; life changes like marriage, divorce, and the birth and departure of children; infertility; relationship and sexual problems; and ethnic background.

Scientists want to know why women in general seem to develop long-term health problems from drinking more quickly than men. Researchers are examining issues like alcohol and breast cancer in women, and the extent to which alcohol may lower the risk of heart disease, and possibly osteoporosis, in some women.

Finally, research is helping determine how to identify women who may be at risk for alcohol problems, and to ensure that treatment will be effective.

The Office of Research on Women’s Health (ORWH) serves as the focal point for women’s health research at NIH. ORWH works in a variety of ways to encourage and support researchers to find answers to questions about diseases and conditions that affect women and how to keep women healthy, and to establish a research agenda for the future. ORWH encourages women of all racial and ethnic backgrounds to participate in clinical studies to help increase knowledge of the health of women of all cultures, and to understand the health-related similarities and differences between women and men. The office also provides opportunities and support for the advancement of women in biomedical careers.

Getting Help and More Information

Substance Abuse Treatment Facility Locator

Al-Anon Family Group Headquarters

Alcoholics Anonymous (AA) World Services

National Association for Children of Alcoholics (NACoA)

National Council on Alcoholism and Drug Dependence (NCADD)

National Clearinghouse for Alcohol and Drug Information (NCADI)

National Institute on Alcohol Abuse and Alcoholism (NIAAA)

Source: U.S. Department of Health and Human Services, National Institutes of Health, National Institute on Alcohol Abuse and Alcoholism – NIH Publication No. 04-4956, Revised January 2005
Provided by: The Staff at www.RetirementConnection.com
For more information:  www.niaaa.nih.gov, http://orwh.od.nih.gov
Copyright © 2008 RetirementConnection.com. All rights reserved.

Suggested Questions to Ask When Hiring a Home Care Provider

Questions to Ask Your Home Care Provider

1. Does Your CAREGiver speak, read and write in English?
2. Is your CAREGiver carefully screened?
3. Have the CAREGivers’ references been checked?
4. Is a criminal background check performed on the CAREGiver?
5. Is the CAREGivers’ driving record checked annually?
6. Is the CAREGiver bonded?
7. Is the CAREGiver covered by general liability insurance?
8. Is the CAREGiver covered by professional liability insurance?
9. In the event that a CAREGiver is injured, is the CAREGiver protected by workman’s compensation insurance?
10. Do you withhold, file and remit all employee taxes due the federal and state governments?
11. Do you file and remit all employers taxes due the federal and state governments?
12. Do you pay State and Federal Unemployment taxes?
13. Do you have an ongoing training program available to each CAREGiver?
14. Do you have a quality control program?
15. Do you supervise your CAREGiver?
16. Do you make every effort possible to send the same person each time?
17. Does someone from the office personally introduce the CAREGiver on their first visit?
18. Does someone from the office come to our home or hospital to do a free evaluation?
19. Can I change a CAREGiver if I am dissatisfied?
20. Do you contact us in the event that our scheduled CAREGiver calls in sick?
21. Do you keep a Journal to document daily activities?
22. Is the owner of the company involved in the day-to-day operation of the company?
23. Is someone available 24 hours a day to answer my questions?
24. If my CAREGiver quits will you find a replacement?

Provided by: Home Instead Senior Care, www.homeinstead.com

Copyright © 2008 RetirementConnection.com. All rights reserved.

Love and Companionship Aren’t Just for the Young

Being connected to other individuals is one of the best ways to age successfully. According to Pew internet American Life project on on-line dating, 47% of older adults (65+) are still married or in committed relationships. 48% of older adults (65+) are not in a relationship and aren’t looking. A whopping 2% of you are looking for relationships. Where do you find yourself? Are you looking, happily married or have you given up?!

If you’re lucky enough to be in the 47% who are still happily married, are you taking care of your relationship? Are you taking romantic getaways, walks on the beach? Are you still intimate? Intimacy may not look the same as it did when you were younger, but it is still worth experiencing.

There are a number of reasons older adults are not experiencing sexual intimacy. Some prescription medications can decrease the desire for intimacy; such as diuretics and antidepressants. Talk to your physician about your options to bring the spark back. Too much alcohol lowers your sensation levels. One glass of wine is fine but not the whole bottle. Generally, you shouldn’t have to worry about getting pregnant, but you do need to worry about sexual transmitted diseases if you are not in a committed relationship. There are a number of benefits to sexual intimacy: it can be considered moderate exercise, the endorphins released help lift depression, and it helps you to sleep better.

If you are not in a committed relationship and you don’t want one, you still need to stay connected to people in other ways. Have your friends over for lunch, play cards, join a social group. It is a lot easier to stay connected if you are with people who share common experiences. Seek out others with your common likes, and foster a better relationship.

Finally, for the 2% of you who are looking for a relationship, you have many options. Say hello to the friendly man in the doctor’s office or strike up a conversation with the woman in the grocery store- she may make you dinner. Try an on-line dating service specialized for senior citizens. The most important thing is to connect with others, in whichever manner you are seeking. Do not withdraw. Socializing is a skill, and like other skills- use it or lose it.

Provided by: Town Center Village, www.TownCenterVillage.com, 503-594-2505
Copyright © 2008 RetirementConnection.com. All rights reserved.

The FACTS and FICTION of Long-term Care Financing

I will not need long-term care in my lifetime. False. Sixty (60%) of Americans will need some long-term care (LTC) during their lifetime. Family members may be able to provide care in some situations. Or LTC services may be purchased to provide help at home or in a facility setting. The average long-term care stay is two and a half years.

I don’t need LTC insurance; my children will take care of me. Most likely they will. But the physical, emotional, and financial strain of providing care for a loved one can take its toll. LTC insurance plans can be designed to support care provided by the primary family caregiver, thereby preventing you from becoming a burden on your family.

The government will pay for my long-term care? False. Medicare pays primarily for medical care such as doctor and hospital costs and has very limited long-term care benefits, averaging just 23 days IF you meet the qualifying requirements. Medicaid will pay for LTC, but only IF you have limited income and assets less than $2,000. In 2006 Congress restricted Medicaid eligibility to the very poor, sending a message to the American public that they are responsible for paying for their own LTC.

Is LTC insurance my only choice? No, you may choose to pay for care services out of pocket. But with inflation doubling the cost of care every 15 years, many individuals choose to transfer the risk of catastrophic coverage to an insurance company.

LTC insurance will restrict my ability to choose where I want to receive care. False. In fact, the opposite is true. LTC coverage provides you with choices. Close to 70% of individuals who receive benefits from LTC insurance policies today receive care at home or in a community setting.

I’ve heard that LTC insurance isn’t affordable. It is the actual cost of LTC that is expensive, projected to increase to $120,000 per year in the next 15 years. The premiums are just pennies on the dollar.

I’m too young to think about long-term care. False. If you are in your 40s or 50s it is the perfect time to start thinking about your LTC plan. The younger and healthier you are when you start planning, the more options available to you. And when you invest early, your pool of money will have more time to grow before you dip into it to pay for care, maximizing your investment. Youth and good health discounts you may qualify for in your 40s and 50s will remain in place throughout the lifetime of your policy.

I will pay less over time for LTC coverage if I wait until I am older to purchase it. False. LTC premiums are structured so that you pay proportionately more the older you are at the time of purchase. Additionally, you may be required to pay a higher premium or be declined coverage due to existing health conditions at the time of application, leaving you to pay all your LTC costs out of pocket.

I don’t want to be pressured to purchase something that is confusing and expensive. Who can help me? A certified LTC specialist who works as an independent broker can be your best advocate. She can help you identify the level and type of coverage you need, then shop the market on your behalf, comparing plans to find you the best value. Additionally, with many optional riders and choices an experienced professional can tailor the plan to meet the specific needs of her client and their family.

What if I pay for LTCi and never use it? Well, that may happen. But if you are among the 60% of individuals who will need LTC in their lifetime, you and your family will be glad that you are prepared. Building a small plan or sharing coverage with a spouse or partner can maximize use of benefits. And, as with homeowners insurance, you hope you never have to use it. But if advancing age or declining health require you to seek extra care, you can eliminate the financial or emotional burden on your family.

My employer offers coverage through work. Is my employer plan always the best option for me? No. The LTC plan available through your employer isn’t necessarily the best plan for you and your family. Many of the discounts available in individual plans are not available through groups. And, some group plans do not offer the range of benefit choices available on the market. Consult a LTC specialist for a complimentary comparison.

What questions should I ask to begin putting my own LTC plan in place? Ask yourself these questions to get started: If you live a long life and need care, where would you like that care to be delivered? Who would provide your care? What impact will the need for LTC have on your spouse, children, and family or friends? How will you pay for that care?

I can’t afford financially to put a long-term plan in place. In fact, you can’t afford NOT to. Consultation with a LTC professional is complimentary. You owe it to yourself and your family to find out IF long-term care coverage makes sense for you. Armed with information, you can make an informed decision that is right for you and your family.

For more information about planning for your long-term care, check out these websites:

Use the Long Term Care savings calculator to see how much money you would have to save to accumulate enough to pay for your future long-term care. Click on Can I Save on My Own for LTC?

Provided by:Becky Wehrli, CLTC,  www.beckyltc.com,, 503-758-5725, toll-free 1-888-778-4164
Copyright © 2008 RetirementConnection.com. All rights reserved.

About the Long Term Care Ombudsman Program

What is the Long Term Care Ombudsman Program?

Long-Term Care Ombudsmen are advocates for residents of nursing homes, board and care homes, assisted living facilities and similar adult care facilities. They work to resolve problems of individual residents and to bring about changes at the local, state and national levels to improve care. While most residents receive good care in long-term care facilities, far too many are neglected, and other unfortunate incidents of psychological, physical and other kinds of abuse do occur. Thus, thousands of trained volunteer ombudsmen regularly visit long-term care facilities, monitor conditions and care, and provide a voice for those unable to speak for themselves.

History

Begun in 1972 as a demonstration program, the Ombudsman Program today is established in all states under the Older Americans Act, which is administered by the Administration on Aging (AoA). Local ombudsmen work on behalf of residents in hundreds of communities throughout the country.

Long Term Care Ombudsman Results

In 2005, about 13,800 volunteers, 9,187 of whom were certified to investigate complaints and 1,277 paid ombudsmen served in 572 localities nationwide. Ombudsmen investigated over 300,000 complaints made by 186,000 individuals and provided information on long-term care to another 306,000 people. The most frequent nursing home complaints involved lack of resident care due to inadequate staffing.

Residents’ Rights

Ombudsmen help residents and their families and friends understand and exercise rights that are guaranteed by law, both at the federal level and in many states. Residents have the right to:

  • be treated with respect and dignity;
  • be free from chemical and physical restraints;
  • manage their own finances;
  • voice grievances without fear of retaliation;
  • associate and communicate privately with any person of their choice;
  • send and receive personal mail;
  • have personal and medical records kept confidential;
  • apply for state and federal assistance without discrimination;
  • be fully informed prior to admission of their rights, services available and all charges; and be given advance notice of transfer or discharge.

The Ombudsman Program Assists Older Adults by empowering adults as they age with reliable information and access to the care they need. The program enables individuals who are at high risk of nursing home placement to remain at home. Another aspect of the program is building disease prevention into community living through the use of low-cost, evidence based programs.

The AoA recognizes the importance of making information readily available to consumers, professionals, researchers, and students. Their website provides information for and about older persons, their families, and professionals involved in aging programs and services.

For more information about AoA, please contact: US Dept of Health and Human Services, Administration on Aging through their website at www.aoa.gov.

Ombudsman Responsibilities are:

Ombudsman responsibilities outlined in Title VII of the Older Americans Act include:

  • identify, investigate and resolve complaints made by or on behalf of residents;
  • provide information to residents about longterm care services
  • represent the interests of residents before governmental agencies and seeking administrative, legal and other remedies to protect residents;
  • analyze, comment on and recommend changes in laws and regulations pertaining to the health, safety, welfare and rights of residents;
  • educate and inform consumers and the general public regarding issues and concerns related to long-term care and facilitate public comment on laws, regulations, policies and actions;
  • promote the development of citizen organizations to participate in the program;
  • provide technical support for the development of resident and family councils to protect the well-being and rights of residents, and
  • advocate for changes to improve residents’ quality of life and care.

Source: US Dept of Health and Human Services, Administration on Aging, www.aoa.gov, www.ltcombudsman.org

Provided by: The Staff at www.RetirementConnection.com
Copyright © 2008 RetirementConnection.com. All rights reserved.

The National Long-Term Care Ombudsman Resource Center

The Center is supported with funds from the Administration on Aging. NCCNHR, located in Washington, DC, also has many resources to assist residents and their families.

The National Long-Term Care Ombudsman Resource Center

The National Long-Term Care Ombudsman Resource Center, operated by the National Citizens’ Coalition for Nursing Home Reform (NCCNHR) in conjunction with the National Association of State Units on Aging, provides on-call technical assistance and intensive annual training to assist ombudsmen in their demanding work. The Center is supported with funds from the Administration on Aging. NCCNHR, located in Washington, DC, also has many resources to assist residents and their families. Contact NCCNHR at 202-332-2275, www.nursinghomeaction.org.

To contact a state or local long-term care ombudsman, visit the resource center’s website at www.ltcombudsman.org and click in the box “Who Are Ombudsmen?” You may also call AoA’s Eldercare Locator at 1-800-677-1116 and ask for the local ombudsman program or area agency on aging nearest the nursing home or similar facility where the resident lives. The area agency will either be the sponsor of the ombudsman program or know where the program is located. You may also locate the local ombudsman through the Office of the State Long-Term Care Ombudsman, which is usually located in the State Office on Aging.

Source: Administration on Aging , The National Long-Term Care Ombudsman Resource Center, www.AoA.gov, www.nursinghomeaction.org

Provided by: The Staff at www.RetirementConnection.com
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Mature job seekers finding more opportunities

Mature Americans who are seeking jobs are finding more opportunities available because of rising demand for employees

Mature Job Seekers Finding More Opportunities

Mature Americans who are seeking jobs are finding more opportunities available because of rising demand for employees, programs designed to assist them and a growing appreciation for workers from their generation. Also, more companies have open positions and are tailoring job opportunities for mature workers.

Demographic factors in America are one reason mature job seekers will continue to see increased opportunities to either stay in or join the work force. By 2010, almost one in three workers will be at least 50 years old. As Baby Boomers, the nation’s largest population segment, approach retirement, the pool of younger replacement workers in this country won’t be large enough to meet the labor demands of employers.

Because of the growing demand for employees, especially mature workers, more programs are being offered to match aging adults with the right job opportunity. One such national initiative is AARP’s Featured Employers program, in which AARP has partnered with 24 companies to help Americans aged 50 and over remain in the workforce as desired. Right at Home, a leader in in-home supportive care and assistance to aging adults, was selected for AARP’s Featured Employer program in November of 2005. One of the main components of the AARP Featured Employer program is that mature job seekers can learn more about local employers and employment opportunities by visiting www.aarp.org/featuredemployers.

The best advice for mature workers who are looking for opportunities is to do some research to learn more about companies who support their needs and value their experience. There are vast online resources that will provide information on companies and available positions so aging adults can match their interests and talents with local job openings.

Mature adults, especially those just entering the work force, should highlight the positive traits they will bring to a company when applying for a job. Mature workers have skills and experiences that benefit companies. In many cases, the experience of raising a family and running a household can be valuable.

Source: Right at Home, www.RAHcares.com, 503-574-3674

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When does Medicare pay for home health care?

To find out more about home health care programs where you live, you will want to contact your local aging information and assistance provider or area agency on aging (AAA).

When Does Medicare Pay for Home Health Care?

The program will pay for home health care if all of the following conditions are met:

1. The patient must be homebound and under a doctor’s care

2. The patient must need skilled nursing care, or occupational, physical, or speech therapy, on at least an intermittent basis (that is, regularly but not continuously)

3. The services provided must be under a doctor’s supervision and performed as part of a home health care plan written specifically for that patient

4. The patient must be eligible for the Medicare program and the services ordered must be “medically reasonable and necessary”

5. The home health care agency providing the services must be certified by the Medicare program.

6. To get help with your Medicare questions, call

7. 1-800-MEDICARE (1-800-633-4227, TTY/TDD: 1-877-486-2048 for the speech and hearing impaired) or look on the Internet at: http://www.medicare.gov/.

Learn more About Home Health Care

There are several national organizations that can provide additional consumer information about home health care services. These include the following:

The National Association for Home Care www.nahc.org

The Visiting Nurse Associations of America www.vnaa.org

The Eldercare Locator www.eldercare.gov

To find out more about home health care programs where you live, you will want to contact your local aging information and assistance provider or area agency on aging (AAA). The Eldercare Locator, a public service of the Administration on Aging at 1-800-677-1116 to help connect you to these agencies.

Source: U.S. Department of Health and Human Services Administration on Aging, www.AoA.gov

Provided by: The Staff at www.RetirementConnection.com
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Money Managers help balance the checkbook and pay bills

Today, almost all of us are drowning in official-looking solicitations for credit cards, insurance, fraud protection and financial assistance from every institution.

Money Managers to the rescue…

Can’t keep the checkbook balanced? Don’t like or forget to pay bills?

These professionals can help …

Many older Americans struggle with money management, specifically paying their monthly bills. For some, physical conditions such as poor eyesight or arthritis can make simple tasks of writing checks and opening the mail difficult. Others are confused, forgetful and/or disorganized all potentially leading to past due notices, late fees, services fees, canceled policies, and lost documents.

Today, almost all of us are drowning in official-looking solicitations for credit cards, insurance, fraud protection and financial assistance from every institution in which we have an account. In the past, having several bank accounts was once considered prudent, but now has turned into a junk-mail nightmare. Junk mail can look so official it begs rely often unknowingly opening another checking account. Charities of our world, even the ones near and dear to our hearts, continue to solicit contributions on a weekly basis. Selling mail lists has become a huge revenue generator for many companies including banks, credit cards companies, mortgage companies, telephone companies and others.

Now, we can hire a Daily Money Manager to provide assistance to people who have difficulty managing their personal monetary affairs. This service offers a cost-effective way for clients to get assistance with organizing, bill paying, balancing checkbooks, and reviewing statements, from a trusted source. A Daily Money Manager does not replace the services of other professionals, such as CPAs, banks, financial planners, and attorneys, but assists clients with daily affairs and helps maintain records and information that is essential for these professionals.

Services that may be provided:

* Bill paying, preparation of checks, deposits
* Balancing checkbooks and organizing bank records
* Organizing files for tax and other purposes; general organization
* Phone calls concerning incorrect bills, or to ascertain relevant information
* Deciphering insurance information and assistance with claims
* Setting up automated accounts or other means to efficiently handle household finances
* Referrals to needed professionals, such as CPAs, attorneys, financial professionals

A Daily Money Manager begins with an informational interview, so you can get to know us, and we can understand the client’s needs. Together, we determine an effective plan to meet the individual needs. Typically, the DMM will visit monthly or weekly to review bills, mail, insurance papers, and help the client write the checks, balance the check book, organize and file papers.

How do you find a daily money manager? Follow this advice:

* One of the best places to start your search is with the Web site of the American Association of Daily Money Managers, where you can find a list of money managers by state of residence.
* Before meeting face-to-face with someone, ask if they charge for the first session. Some money managers offer a free consultation, which lets you make a more informed choice about whether daily money management is for you.
* Ask for references from people who have used their services before, and check those references out. After all, you’re entrusting your financial health to that individual. Make sure that trust is warranted.
* Make certain the DMM you’re considering is insured and is willing to work with another individual such as a lawyer or an accountant on your behalf.
* Get a referral from someone in the financial services field, such as your tax adviser or accountant.
* Go with your gut – it may be the most important thing to do, Make sure you like and instinctively trust this individual. If it doesn’t feel right, it isn’t. It’s got to be a good fit.

Source: Laura Miller, Sapphire Daily Money Management, LLC, 503-654-9200, Visit www.sapphireDMM.com to download a brochure.

Posted April 2008. Markets: Oregon, Portland
Provided by: Laura Miller, Sapphire Daily Money Management, LLC
For more information: 503-654-9200, www.sapphireDMM.com
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Where to begin when navigating housing options

You have limited time to find a new ‘home’. Where do you begin to find your way through the maze of housing options, care needs, budget and amenities?

Where do I begin when navigating housing options?

The doctor just informed you that it would be unsafe for your senior loved one to return to their home without 24/7 supervision. You have limited time to find a new ‘home’. Where do you begin to find your way through the maze of housing options, care needs, budget and amenities? Don’t go it alone- Referral agencies and placement consultants are a valuable resource to save time and anxiety. These professionals are familiar with the numerous options and availability. Many also review the state survey and public disclosure file for any record of criminal activity or lack of compliance with laws/rules.

Step 1: Gain detailed knowledge of the medical/ assistance needs of the resident. This will narrow the type of community to those that are licensed and capable of providing the proper care. It may be awkward for families to ask the personal questions related to care needs and personal assistance; sometimes an objective third person is able to ask more detailed questions and uncover concerns or fears while helping the resident maintain a sense of privacy.

Step 2: Know your budget. Community fees may vary, with application fees, deposits, levels of care and ancillary services. A placement consultant may be able to help you to better balance the big picture.

Step 3: Focus on the geographic area that fits best. This is a new chapter in their life, and they will be creating a whole new social network. The goal is to accommodate frequent visitation of the resident’s support system. Proximity to an established network of friends and family is an important factor, should any healthcare or emotional changes occur.

Step 4: Visit the communities. After narrowing the field to those that best fit your needs, you will be better able to look at the amenities, services and activities. Get to know the activities offered, meet the staff, and try the food. These are the things that make a community feel like home and help aid the adjustment process.

Consultants are familiar with numerous communities, services offered, fee structures, and activity programs. Fees are paid by the communities, and the service is free to you! The benefit is a reliable and knowledgeable resource at no cost to your family.

Provided by: Jennifer Cook, Living Right Senior Placement
For more information: www.LivingRight.net, 503-780-7353

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