Retirement

New ad campaign portrays caregivers’ call for help

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New ad campaign portrays caregivers’ call for help.

A recent NBC Nightly News story focused on the role of caregiving as adult children take on the parental role vacated by their parents.

Imagine, if you can, handling all that you normally do in your hectic life and adding between 20 to 60 more hours to your workload.   Haven’t arrived at that point yet?  Of this potentiality you can be certain – all signs point to that being in your future.  Whether your involvement is characterized by general care for an aging family member, or specialized care for a family member with cognitive decline, caregiving is most likely a task to which you have not devoted much attention.

It is said that 1,200 people per day are diagnosed with Alzheimer’s or other dementia.  Let’s re-categorize that statistic: 1,200 caregivers are created every day.

The new ad campaign, a joint project between AARP and the Ad Council, was created to address the impact of family caregiving with the graying of the population.  This ad campaign seeks to provide resources for those who are thrust into this role for which they are ill-prepared.

“Although they often don’t identify themselves as ‘caregivers,’ more than 42 million Americans perform some form of consistent care for older or impaired adult relatives or friends, according to a 2009 estimate.  It can range from paying bills, to driving Mom to doctor appointments, to more hands-on care such as bathing, and even tasks once left to nurses such as the care of open wounds.”

Taking a walk with my wonderful Dad in 2007.

And as many of us who have been in that caregiving role can attest, ones’ active role goes on and on when behind-the-scenes caregiving occurs, dealing with finance and insurance issues and the like during  our alleged “free” time; a time when others are settling down to watch their favorite TV show or to read a good book.

This extraordinary AARP/Ad Council project is broader than another effort that is part of the new National Alzheimer’s Plan that can be found on the federal government’s website, www.alzheimers.gov.  But both of these projects address the loneliness inherent with the caregiving task when so many caregivers feel, and become, isolated and adrift in an ocean of frustration and despair.

FINALLY some resources are being directed to the tidal wave of caregiving issues that Baby Boomers face.  It may be too little too late, but it’s more than has been available up to this point.  My hope is that the generation in which our children live will have sufficient resources to deal with us Baby Boomers because if our children think this caregiving task is going to jump their generation, they’ve got another thing coming to them.

And I apologize ahead of time for what awaits you.

Baby Boomer gray divorce – I’m just not gonna take it anymore!

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Kind of like the movie “Network” in the iconic scene where the actor Peter Finch, as Howard Beale, says, “I’m as mad as hell and I’m not gonna take this any more!”

Gavel (PSF)
(Photo credit: Wikipedia)

What is often left out from that quote is the statement made just prior, “I’m a human being.  My life has value.”  I think some spouses in their 50’s through their 80’s decide that after decades of a somewhat dissatisfying, or perhaps an abusive, marriage they realize that they have a whole lifetime ahead of them and decide that they deserve better.  In an article from the AARP June 2012 Bulletin, one of the reasons for a late-in-life divorce centers around the fact that longer lives mean more years with an incompatible spouse.   And even though the overall divorce rate in the United States has decreased since 1990, it has doubled for those over age 50.

Jay Lebow, a psychologist at the Family Institute at Northwestern University says, “If late-life divorce were a disease, it would be an epidemic.”

Wow!!!!  I had no idea! I’m fortunate in that my second marriage at the age of 47 is still one in which I am very happy now twelve years later.   There are those, however, with whom I am acquainted who stick to the dictum of “in sickness and in health, until death do us part” even through an abusive relationship (verbal, physical or otherwise)  and, because they’ve been in it for the long haul, e.g., 30 plus years, they feel that they have no choice but to stay.

Why do those with abusive spouses – both male and female – cling to their marriage?

As I mentioned above – one reason is certainly the commitment to vows that were made at the height of a romantic relationship.  And there are other reasons.  An excellent therapist with whom I am acquainted who leads support groups for the abused told me that over the years, as abuse has prevailed in the household, the one being abused adjusts to each added level or intensity of abuse and becomes acclimated to each added degree.  Added to this unwarranted commitment to their abusive spouse, they fear the unknown, even though it may bring about an abuse-free life.   And without the help of good friends and powerful resources, a spouse in an abusive relationship may not have the tools that will give them sufficient confidence to make a decision that will benefit them the remainder of their life.

Divorcing later in life can often result in less time to recover financially, recoup losses, retire debt, and ride the ups and downs of the economy.

Some Baby Boomers out there have relished the security that their spouse or significant other has provided them in the form of financial stability.  They’re thinking that perhaps it’s worth putting up with this person with whom I am incompatible to guarantee a comfortable enough life until one of us dies.  Well – certainly that is a factor – but I personally believe that an individual’s life contains far more value than any bank account can provide.  If someone is feeling devalued in their relationship, they have short-changed the remainder of their life.  And if someone truly craves, absolutely longs for greater self-worth, nothing will stop them from satisfying that need.  I guess you have to look at the options and determine if you’re willing to go with it:

living in a mortgage-free home without financial concerns with someone who tears you down, or renting a one-bedroom apartment with thrift store furnishings, that frees you from a relationship that has prevented you from being your true, and valued self.

But who will take care of me in my old age?

A 2009 National Alliance for Caregiving/AARP survey found that 66% of caregivers were female, with women providing on average 22 hours per week vs. 17 hours for males.  In a divorce situation, “older men may make out better financially than women, but they don’t fare so well at finding someone to take care of them when they’re older.  They often don’t have alternative care networks the way women do,” says Andrew Cherlin, a sociologist at Johns Hopkins University.  When asked who they will turn to when they’re older, single men often cite paid help – a pricey and somewhat difficult option to find.  Some older divorced people have children or other family members who can assume the caregiving role, but not everyone does.

Gray divorce is occurring and there are certainly many factors to consider.  I guess I’m of the belief that a bad marriage is not better than living alone.  Whether you’re a Baby Boomer – or of any other generational group – only you can decide what you’re willing to sacrifice in order to obtain your sense of personal value.  As far as I know, we’ve only been given this one life. This is not a dress rehearsal and there are no do-overs. 

Your thoughts?

Raise the retirement age and cure boredom?

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In an earlier article, “Retirement planning – its not what you think,” I talked about the planning required to have a quality of life after retiring from one’s job that relies on spending your time in a way that pleases you, and benefits others.

My closest friend, Sophia (not her real name), is in her 80th year of life and for the seven years that I’ve known her, Sophia has struggled with boredom, but not just boredom per se.  Sophia wants to matter; she wants to make a difference; she wants to contribute to the world around her.  In a recent e-mail to me, Sophia said:

“There are too many active Seniors roaming around the coffee shops and Malls wondering what to do next.  Even my friend Walter, at age 97, felt a sense of accomplishment yesterday when he washed all the bed linens and remade the queen bed – this done using his walker, back and forth.”

English: Golfer teeing off
(Photo credit: Wikipedia)

Sophia epitomizes the bored retiree that I discuss in my article, “Voices of the bored retirees.”  We often think that when we retire we’ll be satisfied with being able to golf whenever we want; sleep in as long as we want; work in the garden whenever we like, and read all the books we’ve stacked up, but not had the time, to read.  My father was one of those retirees who longed for the opportunity to be on the golf course as often as he wanted.  A month post-retirement, he was bored with it all.

Another quote from my friend Sophia: “I really believe that much that we call Alzheimer’s is just a simple lack of interest in remembering what no longer matters.  There is definitely a veiled space that occurs now and then when it is either too painful to remember, or not worth it to try.  This, in addition to physical pain and boredom, can reach a kind of black hole.”

I know my friend very well, so I know that she doesn’t support that type of Alzheimer’s reasoning, but what she said really resonated with me.  Too often we focus too much on what doesn’t matter, and far too little on what can matter greatly in our remaining years.  Gerontologist S. Barkin believes that we have a responsibility to actively walk through our retirement (or Baby Boomer) years:

“What do we want to do for the remaining time in our life?  We all should be mining our experiences and the wisdom therein to help with our present, and our future paths.”

Most of us, even when we’re enjoying the relaxation we so richly deserve in our retirement, truly strive to create a new purpose for our life.  We want a reason to get up in the morning.  We strive to contribute to the community around us.

Does the retirement age need to be raised in order for that to occur?  Or can we be just as effective, and less bored, by cultivating a lasting purpose after we’ve entered the long sought-after retirement phase of our lives?

O.K. BABY BOOMERS OUT THERE:

  • What’s your plan?
  • What’s working – or not working – for you?
  • What’s your cure for boredom?

Baby Boomer + Aging Parent = a changing paradigm.

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Planning for a wedding?  FUN!!!!!

Putting together an extended vacation to a tropical paradise?  EXHILARATING!

Figuring out how to help mom and dad with their increasing care needs?  UNEXPECTED!

Logo of NPR News.
(Photo credit: Wikipedia)

A recent National Public Radio (NPR) Story: Preparing for a Future that includes Aging Parents addresses the unexpected, and the unplanned for.  Whether because we’re kidding ourselves or we really believe it, we oftentimes can’t imagine our parents as anything but the energetic, robust, independent mom and dad with whom we grew up.  And if we don’t live near them, we’re falsely sheltered in our assumption that mom and dad are doing just fine; at least they were the last time we saw them during the Holidays!  If we’re honest with ourselves, however, we’ll admit that our infrequent visits with the parents shock us greatly as we notice a bit of feebleness in their manner, because as the above story states, “time does what it does.”

Surprisingly, only 13% of some 4,000 U.S. workers surveyed for the 2011 Aflac WorkForces Report considered that the need for long-term care would affect their household.  We love to live blissfully ignorant, don’t we?  We have so many of our own stresses and pressures associated with running our family household, we’re just not going to entertain having to be on-point with our parents’ needs as well.  Guilty!

Taking a walk with my Dad.

I became a long-distance caregiver in the Seattle, Washington area for my father who lived in an all-inclusive facility called a Continuing Care Retirement Community (CCRC) in Southern Oregon.  The first eight years he lived there were worry free because my father was one of those robust parents who was on the path towards living to a ripe old age.  He did live to a ripe old age, dying at the age of 89, but from the age of 84 until his death, Alzheimer’s invaded our family’s peaceful existence, and I found that even as a long-distance caregiver, I was on-point 24/7.

Caveat: my parents had purchased long-term care (LTC) insurance so none of us three offspring were financially responsible for my father’s care.  But anyone who has been a caregiver for a loved one knows that care isn’t always equated to monetary expenditure.   In my case, the constant need to travel to Southern Oregon to monitor his care and be the designated (self-designated) sibling best equipped to coordinate his care with the facility’s staff, lead to my decision to temporarily leave my career, which was, coincidentally, one in the long-term care housing industry.  By the way – the answer was not to move him up to the Seattle area.  His financial investment in this CCRC up to that point rendered that an untenable option.

Even though I absolutely relished this opportunity to give back to my father – and I truly did – it was very difficult on my household and me.  My health temporarily suffered.  Everything I did revolved around being available for my father and hopping on a plane at a moment’s notice.  I lived in a five year period of dreading the ringing of my home phone or mobile phone because it most likely meant that something needed tending.  And getting home and finding NO voicemails in our phone system was cause for celebration.

  But enough about me.

Are you prepared for the eventuality of attending to your parents’ care or are you already on that journey?

Or maybe you are already caring for a spouse with medical or cognitive needs.  How are you managing that difficult task?

Let us hear from you.  Not talking about it won’t make it go away.  It’s time to face the piper and be as prepared as we can for the inevitable.

Retirement communities: the good and the bad.

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In the April 2012 issue of the AARP Bulletin, two articles caught my eye.  The first article, “To be a Bride Again at 100” (attached is the video link) celebrates the marriage of Dana Jackson, 100 years old, to her groom, 87 year old Bill Stauss.  This is a love story between two residents of a nursing home in Bowling Green, Kentucky.  This nursing home celebrated their love, and their death-do-us-part vows, in such a lovely way.  The management and staff of the nursing home exhibited a wonderful sense of community and support of Dana and Bill.  Whether they realized it or not, the staff at the Rosewood Health Care Center helped the newlyweds exercise their rights as long-term care residents.

The second article in the Bulletin’s column, What an Outrage, “Barred from a fine dining restaurant,”  shines a spotlight on a Virginia retirement community that not only did not exhibit a sense of community and support, but they quite literally violated the rights of a husband and wife living there.  When the husband’s care needs required him to switch to the skilled nursing care portion of the retirement community, while his wife remained in the independent living portion of the community, their meals together were abruptly stopped.  The wife could continue to dine in the fine-dining restaurant of the retirement community, but her husband was barred from doing so.  He and the other sixteen nursing care and assisted living residents were required to eat in their own separate dining room.

Harbor’s Edge retirement community had a couple non-fatal choking incidents involving three of its nursing care and assisted living residents in 2011 so a new rule was put in place segregating the more inform from the less infirm, even going so far as to ban the more infirm residents from attending events where food was served.  Keep in mind, residents in this retirement community make a sizable deposit to live there, to the tune of a half million dollars, PLUS a $5000 monthly fee.  I guess money doesn’t buy happiness but it sure should have bought these residents the right to eat where they pleased!

The outcome: the Virginia Department of Health was contacted and soon thereafter, the ban was lifted.  In Washington State, laws are in place to protect the residents of long-term care (LTC) facilities so that these residents can experience a dignified quality of life.  Vulnerable adult residents are guaranteed specific rights by law.  Revised Code of Washington )RCW) 70.129.020 Exercise of Rights, says in a nutshell that a resident has a right to a dignified existence, self-determination, and communication with and access to persons and services inside and outside the facility…The resident has a right to be free of interference, coercion, discrimination and reprisal from the facility in exercising his or her rights.  The remainder of RCW 70.129 further details all the civil & resident rights afforded vulnerable adults in the State of Washington.  If in your experience you suspect that someone’s long-term care resident rights are being violated, please contact the long-term care ombudsman program in your state by visiting the attached weblink for the National Long-Term Care Ombudsman Resource Center.

What great, and not so great, experiences have you had relative to long-term care residential living?  I would love to hear from you so we can celebrate the good, and expose the bad, for all of our benefit.

Creating the next chapter of your life.

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Do you seek new direction in your life?

Are you in the process of recreating yourself?

Well I’ve learned that it’s easier to know which direction you should go if you’re already in motion.

Painting Pasaulio sutvėrimas IV (Creation of t...
(Photo credit: Wikipedia)

The world may have been created in a week, or zillions of weeks; either way, a lot of energy went into that creation and the world-in-process was not a stagnant one.

Trial and error.  I constantly look for ways to improve myself and increase my effect upon the community around me.  If I’m not contributing to a cause – regardless of how big or small – I figure, “Why bother?”  But if I wait around for some sort of change to occur, I’m going about it in the wrong way and believe me, I’ve experienced enough trial and error to write a book on the subject.  The trial and error approach works, however, if a person becomes well-informed and doesn’t take financial or personal risks that they can’t afford.  After all, sometimes we need to discover what doesn’t work for us in order to find out what does work for us.

Living or playing to your strengths.  My Baby Boomer direction was greatly influenced by Marcus Buckingham, one of the world’s authorities on employee productivity.  (By the way, his DVD series Trombone Player Wanted, is worth looking into.)  He suggests that to make your greatest contribution, it’s best to play to your strengths most of the time.  I have taken to heart Mr. Buckingham’s strong caution against veering off ones strengths path.  After all, when I’m creating a new me, why would I choose to do the lame-o, same-o with all its inherent dissatisfaction?  That’s like doing the same thing over and over again and expecting different results.  That sure hasn’t worked for me.  In addition to playing to my strengths, I also play to my passions.  As a Baby Boomer creating my life’s next chapter, it makes sense to deliberately avoid activities that drag me down and weaken me and run to those activities for which I am most impassioned and inspired.

Find your niche and go for it.  I know what I like to do and what I’m good at so I try to consciously remain open to opportunities that directly relate to those strengths.   I thoroughly enjoy working with an older population of adults but I know what part of that experience I’m able to do, and what I’m not able to do.  For example, I know my limits on “clinical atmosphere” so any involvement with older adults excludes my participation in a nursing home or hospital environment.  But throw me in the midst of adults living in assisted living or dementia residential settings and I will make new friends of everyone with whom I come in contact.  Add to that my enjoyment and effectiveness as a public speaker, I look for every opportunity in which to use those abilities.  As a Certified Long-Term Care (LTC) Ombudsman, I have the privilege of meeting with and advocating for residents in LTC settings.  Additionally, I provide resident rights presentations at those facilities and at non-facility venues such as senior centers and city forums.  It’s the best of both worlds for me – interaction with my target audience and feeding my passion for public speaking.

hallway with doors to monks' cells at the form...
(Photo credit: Wikipedia)

Recognizing an open door when you see one.  On a recent Oprah’s Next Chapter episode, Oprah Winfrey interviewed Lady Gaga and at one point asked the singer how she came up with new song or album ideas.  This is the gist of what Lady Gaga said: she imagines herself in a hallway, there are doors all along the hallway but she knows there’s another door coming up further down the hallway that is more appropriate but it’s not readily visible.  Through trial and error she eventually finds the correct door/song inspiration.  How does she know that’s the door through which she is to walk?  When the door finally opens, the light floods in, she is able to block out all distracting noises, and her wishes and thoughts rise to the surface as a basis for her next song/album creation.  I’ve opened some wrong doors in my life as a result of incorrectly thinking that just because a door opens, that means I’m supposed to walk through it.  Again, trial and error comes into play and discernment takes a front row seat.

Not every door that opens is going to be the correct one.  When I’m in exploratory mode, I have to be very careful not to walk through the first door of opportunity that comes my way – regardless of how enticing.  When I make this mistake,  I quickly discover that I’ve committed myself to the wrong project and have had to withdraw myself shortly thereafter.  I didn’t look before I leaped – not a safe, or advisable practice to be sure.   It’s worth me taking the time to weigh my options; write a list of Pros and Cons; ask trusted individuals for their input; and then make an informed decision.  If it’s right for me, it’ll wait for me.  If this new opportunity allows me to play to my strengths and my passions, everyone benefits and there are few, if any, casualties along the way.

What does the next chapter of your life look like?  How are you going about writing that chapter?  I’d love to hear from you because I’m pretty sure I have quite a few more chapters of my own to write.

Start your retirement – start your job as a family caregiver.

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You’ve worked your entire life; you’ve lined up your retirement leisure activities; you’re ready to start the first day of the rest of your life, but instead you start a new job: caregiver to your sibling, spouse, parent, or other family member.

Or perhaps you retired early to take on your caregiver job because there was no way you could do it all: continue your full-time job while moonlighting as your loved one’s caregiver.  It doesn’t work or it only works until the caregiver runs out of steam.  One way or another, your retirement years sure don’t resemble what you envisioned.

The CNN article, As baby boomers retire, a focus on caregivers, paints a frightening picture but one that is painfully accurate.  The highlighted caregiver, Felicia Hudson, said she takes comfort in the following sentiment:

Circumstances do not cause anger, nervousness, worry or depression; it is how we handle situations that allow these adverse moods.

I agree with the above sentiment to a very small degree because let’s face it, the nitty-gritty of a caregiver’s life is filled with anger-inducing depressive circumstances about which I don’t think caregivers should beat themselves up trying to handle with a happy face and a positive attitude.  It just doesn’t work that well in the long-term.  It’s a well-known fact, and one that is always talked about by the Alzheimer’s Association, that caregivers don’t take care of themselves because they don’t know how, or don’t have the support, to stop trying to do all of their life’s jobs by themselves.

“I’m obligated because my parents took great care of me, and now it’s time for me to take care of them.” 

or

“For better or worse means taking care of my spouse, even though she’s getting the better of me, and I’m getting worse and worse.”

The problem with the above sentiments is that oftentimes the adult child or spouse start to resent the person for whom they are providing care.  It’s like going to a job you hate but being held to an unbreakable employment contract; your employer is a loved one with a life-altering or terminal illness; and you’re not getting paid.  “Taking care of a loved one in need is reward enough.”  No, it’s not.

I’m not bitter, I’m simply realistic.  Caregiving is one of the most difficult jobs any of us will hold and we can’t do it all by ourselves.  My blog article, Caregiving: The Ultimate Team Sport, encourages each person in a family caregiving situation to create a team of co-caregivers to more effectively get the job done.  And please take a look at the other articles found in that same category of Caregiving.   I hope you will find encouragement in those articles – some based on my own experience, and some from other caregivers’ shared experiences – especially when a positive attitude and a happy face just isn’t working for you.

Long Term Care Insurance scares me.

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insurance, n. A thing providing protection against a possible eventuality.  Concise Oxford English Dictionary, 11th Edition; 2004.

Result of a serious automobile accident
Image via Wikipedia

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?

  1. Unquestionably, it’s expensive;
  2. Fearfully, companies who offer this product are going out of business left and right and may leave us holding an empty bag;
  3. Definitely, it’s a real difficult type of policy to understand; but
  4. Undeniably, the financial need for it can outweigh the cost of purchasing it.
New Orleans, 1942. Doctor at Marine Hospital p...
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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.

Voices of the bored retirees.

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  • “I’m trying to decide what to do with the rest of my life.”
  • “I’m a frustrated fish out of water since retiring two years ago.”
  • “I’m desperate to find something to fill my time!”
  • Woman in her 80’s: “What am I supposed to do with the rest of my life?  I feel helpless and hopeless without worthwhile connections.”
Are you living past the sunset in your life?

I attended a class four and a half years ago comprised of people in their 50’s through their 80’s.  This class was designed to make our Senior years count.  I just now stumbled on notes that I took in that class wherein each class member was asked to make a comment about their current state in life.  The above four comments are just some of those statements.

Desperation and sadness all around me.  I recall now that the mood of this class was one of desperation and sadness as those who yearned for retirement their whole working life found themselves frantically trying to fill their days.  Their feelings were summed up in these words:

  • depressed
  • lack of purpose
  • short-sightedness
  • emptiness
  • loss of self

Gerontologist, S. Barkin puts it this way regarding our responsibility to be actively walking through our senior years, and I paraphrase,

What do we want to do for the time remaining in our life?   We all should be mining our experiences and the wisdom therein to help with our present and future paths.

As I mentioned in my article, Retirement planning: it’s not what you think, all of us have a history of life skills that should not be put up on a shelf and never used again.  Instead we should be retooling those skills into something that is meaningful and enjoyable to us and beneficial to others.  The students in my class had many thoughts – mostly unfocused and therefore not very productive – but those thoughts had yet to turn into action.

The first step is to decide what is significant to you and act on it.

Aging well starts with the mind but it’s in the doing that makes it count.  We all have a choice when we find ourselves at a loss of purpose: we can stay stuck, or we can actively make a difference in the local community around us.  Baby Boomers are the first generation of peoples to have such a long life span.  We’re living longer so we have more time to pass our knowledge down to others and use our skills in a valuable way.  As the sports company Nike says in one of their ad campaigns:  JUST DO IT!

Retirement planning – it’s not what you think.

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How do you define using your time in a meaningful way?  If you’re getting ready for retirement – or are already retired – how are you going to spend those 40+ hours you previously filled at your job?  “That’s easy!”, you say. “I’m gonna do whatever I want to do, whenever I want to do it: sleep in, read, play golf, travel; I’ll have no problem filling in the time!”

Now fast forward a year or two: you’re bored; your spouse is sick of you just hanging around the house; you’re feeling like there’s something more you could be doing; and even with doing whatever you’ve wanted to do, something’s missing. You wish there was more to this long sought after retirement phase of your life.

How do you envision using your free time?

You’re not alone.  The founding Director of the Stanford Center on Longevity, Laura L. Carstensen, correctly states in a recent AARP article, that “people are happiest when they feel embedded in something larger than themselves.”  As we all know, we are living longer.  In order to make good use of these added years, we need to ask ourselves what we can offer others in these bonus years of our lives.  Should we continue in what might be our restricted scope of the past: getting by, doing what we can for ourselves and our family, but rarely reaching out beyond that confined scope?  If you feel as I do, that’s not nearly satisfying enough.

What should our lives look like now that most people spend as many years as “old people” as they do rearing children?

How should societies function when more people are over 60 than under 15?

Ms. Carstensen is certain that today’s generations of older people will set the course for decades to come and that “change will happen, one person at a time.”  I personally think that too often we think that any “doing” that we do must be grandiose in scale; or remarkable and newsworthy in order to be worthwhile.  If I felt that way, I don’t think I’d even make an effort to give of my skills, my time and my passion to my community.  Why bother?  It won’t do any good, right?  WRONG!

“If every person over 50 makes a single contribution, the world could be improved immeasurably.”

Is this the sunset of your life or just the beginning?

Think about it: us Baby Boomers have a history of life skills that can benefit so many!  How sad it would be if the engineer, the lawyer, the CPA, the household family manager, the medical professional, and other highly skilled people put those skills on the shelf, never to be used again?  What a waste!  I’m not saying you continue to be that engineer, lawyer, and the like in your retirement.  What I am saying, however, is that your past experience, regardless of its nature, can be used for the good of others but perhaps reshaped into a different form.

The bulk of my employment experience has been in the legal field and the senior housing industry, but at this stage of my life I’m not specifically involved in being a paralegal, or a senior housing manager.  What I am doing, however, is combining those skills and directing them towards areas for which I am very compassionate, e.g. advocacy for older adults, and counsel for those taking care of a loved one with dementia.  You too can contribute to your local community by applying your skills in ways that benefit others and are meaningful to you.  I would be of no use to anyone if I didn’t believe my personal Baby Boomer motto:  Committed to strengthening my community one person at a time –  not one society at a time; not one State at a time, and certainly not the world.  But I can motivate myself to strengthen my community one person at a time.

At what do you excel and what do you like to do?  As an older adult, perhaps retired, you now have the luxury of doing what you LIKE and WANT to do, not just what brings home steady income and puts food on the table.  Whoo hoo!  What a luxury!!!

LET’S TALK ABOUT THIS SOME MORE:

What are you doing now to plan for a satisfactory remainder of your life?

How are others currently benefiting from your knowledge-base and how did you find the new venue in which to share your knowledge?

If you’re retired: How satisfied are you in this stage of your life?  If you’re satisfied: why?  If you’re not satisfied: why not?

Solo Caregiving.

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My recent blog, “Caregiving: The Ultimate Team Sport” assumes the person providing care for a loved one has a wealth of family members upon which to draw for support.  When that is not the case it can be difficult to find willing team members to provide that support. This article provides advice to the solo caregiver and to his/her friends, business associates, neighbors, and community contacts.

Garage Sale fundraiser for the local Alzheimer's Association.
Garage Sale fundraiser for the local Alzheimer’s Association.

CAREGIVER: BE BOLD – ASK FOR WHAT YOU NEED.

Those people with whom you have contact probably know that you’re the only one carrying the ball when it comes to caregiving but they can’t possibly understand the degree of difficulty you’re experiencing.  Assuming that to be the case, your friends, business associates, and neighbors may not feel the need to reach out to you with assistance.  Now is the time to be very transparent with them and tell them what you need.

Having dinner with my dad and his late-in-life Bride.

DINING ALONE IS A DRAG – NOW’S THE TIME TO ASK FOR WHAT YOU WANT.

There is no shame in inviting yourself to dinner.  If these are true friends/acquaintances of yours, they will welcome you into their home.  Once you’ve invited yourself a couple times, true friends and valuable neighbors will start to invite you into their dining room on an ongoing basis.  Besides, they’ve probably been wondering what they could possibly do to help you out in your situation and you’ve just presented a very easy way in which they can do so.  Heck – they’re going to cook dinner for themselves anyway; one or two extra people aren’t going to throw a huge wrench into their meal plans.

My wonderful Dad, circa 1960’s, being a jokester.

ATTENTION WELL-MEANING FRIENDS & NEIGHBORS!

I think the rule of thumb in these situations is to assume that your friend the solo caregiver needs a hand with something, so ask him what he needs.  Let’s look at the difference between the following offers of assistance.

  1. “Hey Sam, call me if you ever need some help.”
  2. “Hey Sam, could you use a little extra help around the garden?  I’m all caught up with my yard work and would like to help you in any way I can.”
  3. Hey Sam, we always cook for a crowd and always have some leftovers.  I’d like to give you some leftovers in disposable containers that you can freeze and use any time you don’t feel like cooking for yourself.”

In the 1st example, you’re leaving it up to Sam to feel comfortable enough to inconvenience you (in his mind) with a request for help.  You’re basically forcing him to ask for help.  In the 2nd and 3rd examples, you’ve given Sam an offer of tangible, definable assistance that shows that you really mean it when you say you’re willing to help out.  If neither of those offers fit within Sam’s current needs, you’re still making it easier for him to ask for help with something else: “Wow Larry, thanks so much for your offers but what I could really use is help figuring out the health insurance issues that have kept me awake at night.  How about having a beer with me, and between the two of us, maybe we can make some sense of this mess in which I find myself.”

Friends, work associates and neighbors – your solo caregiver friend needs help and you could be just the right person with the skill that he needs.  Some day you may find yourself in a similar situation and will know first hand how difficult it is to be a solo caregiver.  If it takes a village to raise a child, it must take at least that to help someone with the burden of being a solo caregiver.