The Official Newspaper for Foster County
The Official Newspaper for Foster County
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Dear Savvy Senior, What can you tell me about creating an incentive trust? I have an adult son and daughter that are both financially inept. Before I die, I want to put some type of requirements in place that they will need to follow in order to receive their portion of my estate. Frustrated Father Dear Frustrated, If you want to influence your heirs even after you’re gone, an incentive trust is definitely an option to consider, but be careful how you construct it because it can cause unintended...
Dear Savvy Senior, What types of programs are available to help seniors struggling with their everyday bills, and how do I go about finding them? Since I lost my husband last year, my Social Security survivor benefit is barely enough to get by on. Searching Senior Dear Searching, I’m very sorry for your loss, but you’ll be happy to know that there are dozens of different financial assistance programs and government benefits that may be able to help you with your everyday costs. To locate the...
Dear Savvy Senior, I’m currently enrolled in original Medicare but have been thinking about switching to a Medicare Advantage plan during the open enrollment period. Many of the Medicare Advantage ads I’ve seen offer lots of extra benefits beyond what traditional Medicare offers and no monthly premiums. What are your thoughts? Considering a Switch Dear Considering, Be very leery of the Medicare Advantage ads on TV, radio, social media and that come in the mail. While many of these ads may tou...
Dear Savvy Senior, Can you recommend some simplified universal television remotes for seniors? My 88-year-old dad, who lives in a retirement community, has some dementia and gets confused with all the buttons on his remote. As a result, he keeps accidently reprogramming his TV set. Searching Son Dear Searching, Most modern TV remotes – that come with dozens of unnecessary buttons – can be confusing for anyone to operate but can be especially challenging for elderly seniors. Fortunately, there ar...
Dear Savvy Senior, Can you recommend some medical escort services that help seniors get home after a medical procedure? I need to have a colonoscopy, but my doctor’s clinic won’t schedule my appointment unless I supply them with a name and phone number of the person taking me home afterward. I live alone with no family nearby, and my friend doesn’t drive anymore. Any suggestions? Need a Lift Dear Need, Good question! Finding “door-through-door” medical escort services for outpatient screening...
Dear Savvy Senior, What is the best way to ensure my pets are taken care of after I’m gone? I have two dogs and a cat that are my four-legged family, and I want to make sure they’ll be well taken care of after I die. Solo Senior Dear Solo, It’s a great question. Every year, approximately 500,000 cats and dogs enter shelters when their pet parents experience an emergency or pass away. Without a proper plan in place for the future care of your pets, they are at risk of ending up in a shelt...
Dear Savvy Senior, Do I still need life insurance after I retire? I’ve been thinking about dropping my policy to escape the premiums. Is this a good idea? Approaching Retirement Dear Approaching, It depends on your family and financial situation. While many retirees choose to stop paying their life insurance premiums when they no longer have young families to take care of, there are several reasons you may still want to keep your policy. Here are some different factors to help you decide. Family...
Dear Savvy Senior, Which vaccines are recommended for Medicare seniors this flu season? Just Turned 65 Dear Just Turned, There are actually three different types of vaccines seniors should consider getting this fall to protect against a repeat of last winter’s “tripledemic” of respiratory illnesses, which included flu, RSV and coronavirus. Here’s a rundown of the different vaccines the Centers for Disease Control and Prevention (CDC) is recommending and how they are covered by Medicare. Senior-...
Dear Savvy Senior, Does Medicare cover second medical opinions? The doctor I currently see thinks I need a knee replacement, but I would like to get some other treatment options before I proceed. What can you tell me? Limping Larry Dear Larry, Getting a second medical opinion from another doctor is a smart idea that may offer you a fresh perspective and additional options for treating your knee so you can make a more informed decision. Or, if the second doctor agrees with your current one, it...
Because of chronic arthritis, I have a very difficult time going up and down stairs anymore and am interested in purchasing a stair lift for my two-story house. Can you recommend some good companies? Arthritic Andy Dear Andy, Yes, of course! A good home stair lift is a great mobility solution for anyone who is unable, or has a difficult time climbing stairs. To help you choose a quality stair lift that meets your needs and budget, here are a few shopping tips along with some top-rated...
Dear Savvy Senior, I spend a lot of time online and love the convenience of paying bills, shopping, and keeping up with my grandkids on Facebook and Instagram. But a few months ago, my computer was infected with malware, and I just found out some cyber crook opened up a credit card using my identity and went on a shopping spree. Do you have some simple tips to help me stay safe while online? Paranoid Patty Dear Patty, Unfortunately, cybercrimes against seniors continue to be a big problem in...
Dear Savvy Senior, I take several medications for multiple health conditions and the prices keep going up, even with my Medicare prescription drug insurance. Can you recommend any tips that can help cut my costs? Tapped Out Tina Dear Tina, The high cost of prescription drugs is an ongoing problem that stings everyone, but it usually affects seniors more because they have a greater need for medications and because Medicare doesn’t cover all their drug costs. While the Inflation Reduction Act, t...
Dear Savvy Senior, What retirement planning tips can you recommend to single women? I’m a divorced 58-year-old women with a teenaged son and have very little saved for retirement. Financially Vulnerable Dear Vulnerable, It’s an unfortunate reality, but many single women – whether they’re divorced, widowed or never married – face much greater financial challenges in retirement than men. The reasons behind this are because women tend to earn less money – about 82 cents for every dollar that...
Dear Savvy Senior, Are there any monitored medical alert devices that you know of that don’t require pushing a wearable help button? My 82-year-old father, who lives alone, has fallen twice during the past year, but doesn’t like wearing an SOS pendant button. Searching Daughter Dear Searching, Yes, there are actually several monitored medical alert systems and other technologies on the market today that have voice-activated capabilities that let seniors call for help using voice commands, wit...
Dear Savvy Senior, What can you tell me about green funeral options? At age 80, I would like to preplan my funeral and make it as natural as possible. Old Environmentalist Dear Environmentalist, Great question! Green funeral options are becoming increasingly popular in the United States as more and more Americans are looking for environmentally friendly alternatives to traditional funerals. Here’s what you should know about “green burial” and “green cremation” options, along with some tips to h...
Dear Savvy Senior, Is regular heartburn or acid reflux anything to worry about? I eat a lot of Rolaids throughout the day to help manage it, but it’s gotten worse with age and it keeps me up at night too. What can you tell me? Belching Bob Dear Bob, Almost everyone experiences heartburn or acid reflux from time to time, but frequent episodes can signal a much more serious problem. It’s estimated that more than 60 million Americans experience heartburn at least once a month, with around 15 mil...
Dear Savvy Senior, Can you recommend some good resources for seniors with vision loss? My husband was recently diagnosed with macular degeneration, which has deteriorated his central vision, and he’s become very discouraged. Worried Wife Dear Worried, I’m very sorry to hear about your husband’s eye condition. Unfortunately, there are about 20 million Americans living with macular degeneration today. Over time, this progressive disease can rob people of their central vision, making every...
Dear Savvy Senior, How are Social Security benefits handled when someone dies? After a long illness, my 68-year-old father has only weeks left to live. I am helping my mom figure out her financial situation going forward, including what to do about my dad’s Social Security after he passes away but could use some help. Only Son Dear Only, I’m very sorry about the impending loss of your father. To help you and your mom understand what Social Security provides and what needs to be done when a fam...
Dear Savvy Senior, Can you recommend some good healthy meal delivery options for seniors who don’t cook or get out much? My 80-year-old father, who lives alone, has a terrible diet and I worry about his health. Concerned Daughter Dear Concerned, There are actually a wide variety healthy meal delivery options that can help non-cooking seniors who live at home. Here are several top options to check into. Community-Based Programs A good place to start, is to find out if there’s a senior home del...
Dear Savvy Senior, Can you recommend some good organizations or websites for locating interesting volunteer opportunities? I’ve been doing some volunteer work since I retired last year, but most of the jobs I’ve tried haven’t been very fun or satisfying. Retired Volunteer Dear Retired, For many retirees, finding a volunteer opportunity that meets your interests, utilizes your talents and fits your availability can be challenging. To help you find some interesting and satisfying volunteer oppor...
Dear Savvy Senior, My 63-year-old wife, who doesn’t work, is on my health insurance plan through my employer. When I retire next month and go on Medicare, what are our options for getting her health coverage until she turns 65? Is there some kind of Medicare coverage for dependent spouses? Need Insurance Dear Need, Unfortunately, Medicare does not provide family coverage to younger spouses or dependent children when you qualify for Medicare. Nobody can obtain Medicare benefits before age 65, unl...
Dear Savvy Senior, Can you recommend some good over-the-counter hearing aids for seniors on a budget? I’m not sure what to get or where to buy them. Hard of Hearing Dear Hard, The new FDA approved over-the-counter (OTC) hearing aids that hit the market last October have become a very attractive alternative to millions of older Americans with hearing impairment. These new hearing aids can be purchased at pharmacies, consumer electronics stores or online without a hearing exam, prescription, or a...
Dear Savvy Senior, Is it possible to collect Social Security benefits from my ex-spouse? We were married for 12 years but have been divorced for almost 20 years now. Never Remarried Dear Never, Yes, depending on your specific circumstances, you may very well be eligible for divorced spouses Social Security benefits. Here’s what you should know. Who’s Eligible? A divorced spouse can collect a Social Security retirement benefit on the earnings record of their ex-husband (or ex-wife) if you are...
Dear Savvy Senior, Does Medicare cover physical therapy, and if so, how much coverage do they provide? My 66-year-old husband was recently diagnosed with Parkinson’s disease and will need ongoing physical therapy to help keep him moving. Worried Wife Dear Worried, Yes, Medicare does indeed pay for physical therapy along with occupational and speech therapy too, if he needs it, as long as it’s prescribed by his doctor. You’ll also be happy to know that Medicare has no limits on how much it will...
Dear Savvy Senior, Can you recommend some good toenail clipping solutions for seniors? My toenails have gotten increasingly thick since I’ve gotten older and have become very difficult for me to reach down and cut. Almost 80 Dear Almost, Trimming your toenails is a task that most people don’t think much about, but as we get older it can become very challenging. For many older adults, like yourself, toenails can become thicker and harder to cut, and reduced flexibility can make it more dif...
