“Once bitten, twice shy.” The Chinese and Japanese proverb has a variant: “One year bitten by a snake, for three years afraid of a grass rope.”
How does one who is as imperfect as myself apply this Proverb without writing an article that goes on and on into perpetuity? All of us can think of circumstances in which we fail to learn by experience and continue doing the same stupid/inadvisable thing over and over again expecting different results. As I said, my life is rife with examples, but this article centers around caregiving – especially as it applies to caring for someone with Alzheimer’s or other dementia. CAVEAT: I would never write on something about which I had not experienced. I’ve been there. I’ve done that. I’ve paid for my mistakes.
I’m so tired of my spouse/father/mother asking me the same question over and over again and supplying her with the same answer over and over again!
Anyone with a loved one who has any type of dementia has lived in this unending vicious cycle. We think that if we just answer the question one more time she’ll remember and not ask the question again. Or we think that if we just spoke louder – or slower – she would certainly remember and life would be infinitely improved. Not happening. Answer the question once, and then move on to another topic. Change the subject; redirect your loved one by doing something that will distract her; or simply don’t respond at all. What ever you do, don’t aggravate the situation by reminding her that you’ve already answered that question numerous times so why don’t you stop already!!!??? Take a deep breath and remember: your spouse isn’t the one asking questions over and over again and frustrating you beyond all measure – the disease is asking the questions. I know – intellectually you understand that concept, but your eyes see and hear your spouse pestering you for an answer over, and over again, so it’s very difficult to get beyond the emotion of the situation. Read the rest of this entry »
insurance, n. A thing providing protection against a possible eventuality. Concise Oxford English Dictionary, 11th Edition; 2004.
Auto insurance, home or renters insurance, and health insurance – we understand these policies and know that more likely than not the need for the aforementioned insurance policies will rear its ugly head in the near or distant future so we pay the premium for said policies, hoping we won’t need it, but sleeping better at night because we have it.
Why is purchasing long-term care insurance such a difficult step to take for me and my husband?
- Unquestionably, it’s expensive;
- Fearfully, companies who offer this product are going out of business left and right and may leave us holding an empty bag;
- Definitely, it’s a real difficult type of policy to understand; but
- Undeniably, the financial need for it can outweigh the cost of purchasing it.
My husband and I have still not made an effort to look into it further. Here are my two reasons based on family experience – both of which tend to contradict each other:
My father’s long-term care insurance policy. My father had a long-term care insurance policy for which he paid premiums for at least 20 years – no small amount of money to be sure. He was diagnosed with Alzheimer’s at the age of 84 and died five years later. His care needs at the retirement facility in which he had lived for 13 years didn’t meet the insurance reimbursement threshold until his final month of life. As with most policies, the insurance holder’s care needs must meet a defined level of care before the insurance company kicks in their assisted living care reimbursement payments. When that happens, the insurance holder no longer pays any more premiums. Twenty years of paying premiums for one month of reimbursement benefit.
My sister-in-law’s long-term care policy. My brother and sister-in-law purchased their long-term care insurance policies when they were in their late fifties. Less than a year later my sister-in-law was diagnosed with early-onset dementia and approximately two years later drew benefits from her policy. A couple of years of paying premiums for what will be years of reimbursement benefit. If that isn’t the good news/bad news of long-term care insurance I don’t know what is!
I have no excuse. I know the devastating costs of long-term care because in my past professional life I worked for a senior housing provider and they represented the Champagne & Chandelier variety of assisted living. But even the generic assisted living providers charge high rental rates and as ones’ care needs increase, so do the care fees. This isn’t avoidance behavior on my part and I’m not squeamish about the subject of health and ones’ eventual death. I’m just finding it hard to take this leap into signing up for insurance, even though it holds the assurance of fending off the potential of total personal financial collapse without it.
How are you Baby Boomers dealing with this subject? If you finally bit the bullet and purchased a policy – how did you finally take that leap of faith?
I AM NOT LOOKING TO BE BOMBARDED BY SELLERS OF INSURANCE AS A RESULT OF THIS BLOG ARTICLE SO PLEASE DON’T GO THERE. But I welcome other constructive feedback for those of us on the brink of making this difficult decision.
I’ve found the Alzheimer’s Reading Room to be very helpful in my efforts to continually improve my understanding of Alzheimer’s and other dementia. The good news? Subscribing to the Reading Room is free! I hope all benefit from this attached article about dementia in the 21st century.
By the time you read this article, I hope you’ve already read the reblogged article I posted entitled “Up Your Gratitude,” published in a Parade Magazine article earlier this year. That article was part of the inspiration for this article and can be found in this same Blog category.
I recently watched an Oprah Network special wherein Oprah visits families of Hasidic Jews. One of the families had NEVER seen a television show in their lives and didn’t even know who Oprah was until her staff approached the family about this project of interviewing a Hasidic Jewish family. This family consisted of the husband and wife and 9 children, the oldest of which was 17 years old and the youngest, 18 months. If you can believe what the 17 year old son said – and I think I do – he has absolutely never watched TV and is an extremely happy teenager. The couple’s 15 year old daughter loves not having the normal pressures associated with young teen girls. “There’s no pressure” she explained.
None of the children had ever heard of the names that Oprah tossed into their conversation: from cartoon characters such as Micky Mouse and Sponge Bob Squarepants, to Beyonce and other well-known entertainers. Nope, they had no idea what or who she was talking about. Considering they had never heard of Oprah, that’s not at all surprising.
And yet they were extremely happy and grateful people.
THIS ARTICLE IS NOT ABOUT RELIGION – it’s about the lack of wanting more,wanting better, and wanting bigger as it relates to consumerism. Each person Oprah interviewed talked about the lack of pressure in their life to want, want, and want even more. As a matter of fact, the wife in this family of 9 children, who is pregnant with her 10th child, said the only time she had a feeling of wanting more was when she was able to upgrade to a better wig when her earnings increased. (At a certain age, Hasidic women must cover their hair as a gesture of modesty, be it a scarf or a wig.) So when this woman was able to get a better wig she experienced an “Aha” moment – getting a better, more natural looking wig satisfied a want for something more that she hadn’t ever experienced. Gratitude abounded in this household that most definitely doesn’t resemble our idea of a “normal” frantic-ridden, electronic guided, household.
Time to check my own gratitude level – and level of personal satisfaction. When you receive not-so-good service at an establishment, do you trash its character to others so that they are aware of the establishment’s failings and will curtail their support of its business? It’s easy to complain about something isn’t it? It’s harder – but better – to compliment someone who does a great job:
- Writing a note to the manager of a salon you frequent, complimenting the stylist who always does such a great job on your haircut and/or color. It’s not enough that you tell the stylist how satisfied you are. Tell the one who signs his paychecks and sets his schedule – that’s where the thank you also needs to go so that your favorite stylist receives something for his/her efforts.
- Going out of your way to thank someone in person, or by thank you note, for their volunteerism at church or other community venue;
- Calling or writing a note, not texting, not e-mailing, when you’re grateful for something you received as a gift;
- When your coworker does a great job, or your child does something in the home without being asked, or when you are simply grateful for the commitment your spouse has to his or her job that assures constant financial support in the home – acknowledge their efforts instead of simply appreciating them in your own mind.
Who benefits from appreciative thoughts if they are not expressed to the person who inspired them? Gratitude expressed provides more benefit than you can imagine. Don’t you want to start a ripple effect of gratitude in your small corner of the universe? Get that ripple going – you’ll be better off as a result, and everyone to whom that ripple touches will benefit as well.
The attached article, published on January 1, 2012 in the Sunday newspaper’s Parade Magazine section, had a great impact on me; so much so that I wrote my own blog article today, about the effects of gratitude on one’s life. I hope you enjoy both articles.
This VERY comprehensive article is designed for a person’s elderly parents but guess what…us Baby Boomers need to be aware of these resources as well so I want to pass this article along to you! It helped me – I hope it’s a great resource for you as well.