Saturday, April 13, 2013

Seven Great Reasons To Choose Assisted Living


If your aging parent can no longer safely live at home on their own, you have some important family decisions to make ahead of you. Even in-home care providers cannot always meet your loved one's physical needs 24/7 and social isolation is always a problem. Fortunately, chances are there is an excellent assisted living facility near you where your loved one can feel safe and enjoy a wonderful quality of life. Here are seven great reasons why assisted living is such a popular option for senior living.

1. Both you and your loved one will have the peace of mind of knowing that she will get any type of assistance she needs 24 hours a day and seven days a week quickly and easily.

2. Most facilities offer private apartment living so seniors can enjoy as much autonomy and privacy as possible.

3. Although apartments generally provide a kitchenette, seniors can enjoy three meals a day in a communal dining setting.

4. There are always great activities to participate in if your loved one wishes or she can relax in the privacy of her own place: the point is she can still choose how much she wants to socialize and when!

5. Staffs are well-trained in senior care and do everything they can to create a warm and homey living environment.

6. In many cases, a good assisted living center will allow pets: that's something a rest home won't do. Seniors can continue to enjoy their four-legged pals and all the benefits that come with them.

7. These facilities offer transportation services, allowing seniors to continue seeing their own doctors and shopping at their favorite stores.

If your loved one just needs a little help in order to stay healthy, remain safe and live well, maybe it's time to look further into assisted living.

The Colors of Retirement


There are two colors for retirement: gray and silver.

What we assume about this stage of life is often the gray stuff. That comes from what happened to Mom and Dad or Grandpa. They retired and traveled. They retired and took up woodworking...or quilting...or golf. They retired and took a backseat to what was going on in the rest of the world. They retired and pretty much disappeared. Gray isn't very noticeable. Or very interesting. Eventually, they were gone but usually long after they'd been forgotten by the culture.

Is this approach unavoidable? Is it what's going on with people who retire now?

Only if they choose it. There are a lot more options than moving to Palm Springs or playing golf five days a week.

The traditional version of retirement is built on the concept of "the Golden Years" which was given to us as a culture by Del Webb in 1960 as part of the inaugural marketing effort for the first Sun City, a retirement community outside of Phoenix. It was a way to put a positive spin on a very negative situation. At that time, American workers were required to retire at a certain age and once they did, society pretty much forgot them. Webb and others turned this invisibility into the idea that retirement was time to play--that retirees have earned the chance to have fun all day every day. A life of 100% leisure.

To those still working, this sounds like Nirvana, but as a lifestyle, it can be grim. Not even children play all day every day. Not having a purpose or a way to contribute creates a vast array of health problems--both mental and physical--for the person and robs society of their talents and skill.

But this mindset continues because many believe:

* People old enough to retire are frail--in poor health, with no stamina, and physically unable to do much of what younger people can.

* They are short-term members of society; they will either die or enter a nursing home (and then die) in a few years or even months.

* They're inept--"Out of it" the vast majority of the time, with no idea what's going on in the world and no ability to do much about it anyway.

* They're irrelevant or worse, a burden--nothing they do has impact beyond their own lives. Many of them can't even take care of themselves.

This is the GRAY version of retired life. Lifeless, fading, dull. Also WRONG.

NONE of this is mandatory, necessary, or wise. Most of it is just plain baloney. The truth about people old enough to retire is much less limiting. But to get to where we plan using a better model, we have to embrace a new set of assumptions:

* AT THIS AGE, WE ARE STILL ROBUST. The vast majority who elect to retire are at the top of their game. Physically, they are in better shape than their parents were even at ten years younger.

* WE ARE STEPPING INTO A LONG-TERM STAGE OF LIFE. Those now retiring are likely to be around at least another fifteen years and more likely twenty-five to thirty. Those who retire at 55 could easily spend more time retired than they did in the workforce.

* WE ARE A SIGNIFICANT SEGMENT OF THE POPULATION. In numbers. In buying power. And if we take the time to plan for it, in the roles we take on and the challenges we step up to for our families, communities, and society as a whole.

* WE ARE ENERGIZED. The chance to do things we believe in with the flexibility to accommodate all the other things we value is revitalizing. This age group has the potential to recharge both ourselves and our communities--and whatever else we decide to take on. We can have "the good life" and "do good" at the same time. We are in a position to give but also to take the time to enjoy what life has to offer.

This version of retirement is SILVER--sparkling and full of energy. Retirement, using this set of assumptions, is the time of life when we really can have it all, do it all, be it all--on our terms.

What color attitude are you going to choose? WHY SETTLE FOR GRAY WHEN SILVER IS JUST A MATTER OF MINDSET? Which attitude are you going to embrace as you do your planning?

Guilt, Sorrow and Pleasant Surprises in Nursing Homes


Do you remember the last time you visited your mother in that nursing home? You were worried because she was complaining about her next-door neighbour being too nosy and that kind of bothered her. You have talked to the director who said it was just a natural reaction of somebody who is yet getting accustomed to a new place.

You know your mother to be a very private person. She could be friendly but not to everybody. She is the discriminating type but far from being hostile. She doesn't dip her fingers into other people's affairs as she doesn't want them prying on hers. That is what worries you. She can't be happy in that nursing home.

Checking your calendar, you are surprised to discover it has been six months since you last visited her. You finally stopped making the vow to visit her every end of the month and resolved to do it the next day as it is a weekend. You have been too busy with work you even cannot properly be with your family as you work at home even on weekends. Tomorrow, the whole family will visit the nursing home.

On the way to the senior health care home, everybody is happily chattering and excited with the prospect of meeting your dear mom again. You couldn't wait to get there. The kids are so excited you had to admonish them as you enter the nursing home premises.

After going through the visitors' routine check you proceed to your mother's room passing through half-open doors with elderly people happily gossiping with their family although some barely participate. Growing old is such a mysteriously lonely phase. A few had no visitors at all and just stared blankly at the wall or to space through the window, not even noticing the manicured lawns and beautiful flowers blooming. Your heart skipped thinking of the months you haven't come to visit your mother. You are touched with guilt and a hint of sorrow.

You finally reach her room and got more worried not to find your mother there. Even the kids looked sad as they entered the room slowly wondering where their grandma was. Then you hear muffled laughter through the wall from the next room. As you passed by the slightly open door to ask about your mother's whereabouts, you see her excitedly chattering with her next-door neighbour who she said was "bothering" her. You tentatively knock at the door and your mother sees you. After a brief hello, you tell her that the family is waiting for her next door. But to your surprise, after a hint of pleasant surprise, she tells you to wait for her at her room. She just has a "little business" to finish.

Back in your mother's room it has been fifteen minutes but no grandma yet. You start to wonder if growing old and/or nursing homes will change you the same way.

Hospital Clocks - Dependability Matters to Everyone


A hospital is a bustling environment housing all manner of individuals from the routine outpatient to the experienced surgeon. From the emergency room to the pediatric unit, staff and patients alike look to the clocks to deliver not only a precise time, but an invaluable sense of dependability and assurance. This is why any number of individuals in the health care field can benefit greatly from the use of synchronized hospital clocks in their facilities.

For the Nurse

Cathy, a recent nursing graduate, has just begun the eighth hour of her overnight shift. While she is enjoying her new career, adjusting to the extended, late hours has not been easy. With patients to admit, rounds to make, and four hours left in her shift, the last thought she wants to have is: does my watch have the wrong time, or is the clock in this unit incorrect? Dependability is key in the nursing profession, and a nurse wants to consistently be on time whether it is to report for a shift, scrub in for surgery, or administer medication. Cathy knows the life of a nurse is a difficult balancing act, and synchronized hospital clocks are a vital component in helping to maintain that balance.

For the Patient

Lisa, a first-time mother, is admitted to the obstetrics ward after experiencing frequent contractions. Not knowing what to expect from her first labor and delivery, she is both excited and nervous. Regardless of the situation, it is common for patients to experience some anxiety when they must be admitted to a hospital. Doctors and nurses can alleviate this apprehension by being prompt and attentive. Synchronized hospital clocks allow hospital staff to keep track of the time when switching patient rooms or even entire units, and when timing events in the room itself, such as the frequency of a patient's contractions. An accurate clock in a patient's room can make all the difference. Also, when Lisa's new baby boy is born at 12:02am, she is grateful for a precise clock so that she knows exactly what date to celebrate her son's birthday.

For the Administrator

Elaine has been a hospital administrator for over twenty years. She has many responsibilities, including a staff of hundreds of employees. Along with a large number of workers comes an even larger number of start times, end times, breaks, and shift changes. Because of this, she is in need of synchronized hospital clocks to keep discrepancies at bay. She also uses hospital clocks to ensure that everyone is on the same schedule, allowing all employees to perform their jobs in an accurate and timely manner. Additionally, with the recent rise in medical malpractice suits, careful management is imperative, and hospital administrators, like Elaine, need a time-keeping system that is exact and reliable. Synchronized hospital clocks provide this dependability by allowing patients under anesthesia to be properly monitored, records to be accurately kept, and other time-related errors to be greatly reduced in number, helping the hospital to avoid costly and time-consuming litigation.

In a facility where high-stress and high-activity are every day occurrences, synchronized hospital clocks serve not just one, but many purposes. A nurse may use hospital clocks to keep track of her schedule, while a patient may look to hospital clocks for reassurance. Regardless of who has their eye on the time, synchronized hospital clocks are sure to be accurate when you need them the most.

Taking Care of Your Aging Parents and Being a Nurse to Seniors


Looking after aging parents is one of the most important tasks that you need to deal with as a child. As a son or daughter, taking care of your aging parents is more of an honor rather than a task and obligation. They have cared for you for a very long time and now is your chance to show them how much you treasure them.

But, being a caregiver to elderlies is a tough job. You have to know the fundamentals of caring before you can actually provide the proper approaches of caring elderly people. This is not as easy as you believe. Imagine, people must get a formal education and learning to get good health worker skills.

Of course, you need to find out how to do correct care giving. You will deal with your aging parents' lives. That's why, it is important to plan and to anticipate this in advance.

Essentials of Care Giving

Care giving is caring for your elders by helping them in their everyday systems due to the fact that they are too old to do them all by themselves. Yet, care giving is not confined to physical aide. It also incorporates psychological, emotional, and social support.

As a carer, you should ensure your aging parents' safety and protection. Since matured people are more at risk, you have to help them in doing their regular chores like taking a bath, walking outside, and many more. Sometimes, you need to put them to sleep too.

Providing them the right food is also important. Older individuals need more nutrients and vitamins to give them strength. Senior are more into oversalted and candied food. Old taste goblet lost the salty and sweet taste. As a carer, you should watch what they eat. Make certain that they fulfill the appropriate nutrients for their thoughts and body.

Emotional assistance will also be needed because during these periods, older people lose their other halves. They will need emotional support to accept that their lovers are already gone. That's why, as a child, you must make them feel appreciated and looked after.

Psychological guidance is certainly needed in making decisions. Elders specifically people with intellectual incapacity like Alzheimer's disease are hard to manage without recognizing their needs. Therefore, it is really a must to make certain that you recognize everything and you understand the fundamentals of care giving.

Care giving will not be a difficult job if you will prepare yourself with the right knowledge. Do it with passion and love.

Want to Sell More Life Insurance? Focus on the Lesser Known Benefits


There's a myth out there that life insurance (and selling it) is fairly simple: If someone pays the premium, his or her beneficiaries get the benefit when they die. But there are many other ways that life insurance can provide extra coverage and protection - ways that most of your prospects probably aren't aware of. Explaining these hidden benefits is a great way to convert "I'll think about it" prospects into "I'll take it" customers.

Make sure your prospects understand that:


  • Term and group life policies can be converted to permanent life policies - Prospective buyers of term life and group life policies may be reassured by the fact that many of these policies can be changed into individual permanent life policies - usually without the need for additional medical exams or underwriting. This will cost the insured additional premium, of course. But in cases where the insured experiences a severe medical condition, the security of continuing life coverage when the term policy expires can be invaluable.

  • Some life insurance policies can cover long-term care - Some insurance carriers are now offering "long-term care riders," which allow the insured to take immediate payment benefits to cover nursing homes, assisted living homes, and other long-term care. These payouts are then deducted from the death benefit to beneficiaries, but can save the insured and their families substantial out-of-pocket expenses. Long-term care riders are usually added to a policy at the time of purchase.

  • Life insurance can provide immediate benefits in case of terminal illness - Some policies include what's called "living benefits" or "accelerated death benefits"; other policies allow these to be added as a rider. Either way, they allow the insured to receive payments to cover medical bills or other immediate expenses in the event that he or she is diagnosed with a terminal illness.

  • Life insurance can pay its own premium - Think of the peace of mind some prospects will find in a "waiver of premium" rider that covers the cost of policy premiums in the event of disability, financial hardship or other circumstances.

  • Permanent life policies can provide cash in tough times - Having just been through a tough recession, prospects may want to know that the money accrued in permanent life policies can be available to them in emergencies - a great alternative to running up credit card debt to get by in tough economic times.

Yes, the basic "premium for death benefits" value proposition of life insurance is pretty straightforward. But for many prospects,the added value that life insurance can provide while they're still living can be the deciding factor in closing the deal.

As independent agents, it's our job to help clients understand all of the options available to them. Explaining these hidden benefits of life insurance provides a great service - and helps close more sales. It's truly a win-win for you and your clients.

Assisted Living For Seniors - What to Do When the Time Comes


An assisted living facility needs to be considered when an elder loved one is unable to take care of themselves in their activities of daily living (ADLs). A nursing home is a practical option when other attempts to safely maintain your elder loved one at home have been exhausted. This could have been part-time or full-time help and/or the assistance of family and friends to coordinate essential services. For some seniors, there comes a time when close medical monitoring which cannot be provided in the home is required.

Before moving a senior to any facility, it must first be discussed with them so that they are not uprooted without forewarning. They need to understand the rational for the move. It is also important that you investigate any facility under consideration. Get the brochures from any facilities and go on tours. Learn exactly what services they have to offer and what services they don't provide. Find out the basic cost of assisted living for seniors, as well as the costs of any add-ons. Have your elder family member involved with as much of this as possible. After all, this is a very profound life change, and that's not easy at any age. Speak to people who work there to get a sense of the place. Look to see if the place is clean, relatively quiet, and if people are addressed in a respectful way. Find out if there is a waiting list (and if so how long?).

The transition from home to assisted living for seniors, no matter how wonderful the place is, can be very difficult even if the senior in question knows it's in their best interest to make the change. The important thing is to give them time to adjust, and to make an effort to highlight all of the benefits they now have. Their new setting often offers an opportunity to make friends and rekindle some old activities such as cards and other games.

In order to make an assisted living for seniors environment more cozy, it will be comforting to have familiar and personal items, such as family pictures. The living space is often limited, but small personal items that your senior has grown accustomed to are welcomed. Just make sure that any items brought in are in compliance with the facility's guidelines.

Friday, April 12, 2013

What is the Dental Assistant Certification Test All About?


No matter what course a person has been taking, when it comes time to take the certification test they begin to panic. The dental assistant certification test is no different. The training course provided you with the data that will be covered on the test.

If you have had a period of internship at a dental office, then you have knowledge of what your career path is going to be like. Why are you so worried? Yet, regardless of how much you have studied or prepared, you may still be nervous about the upcoming test.

After you have secured your dental assistant certification, there are several different career pathways you can take. You can be a certified dental assistant, an uncertified dental assistant, a certified orthodontic assistant or a certified dental practice management administrator. Each of these career fields will require a different form of testing exam so you will have to prepare accordingly.

The certified dental assistant test has three components that make up the exam. The first is the general chair side exam. This exam consists of 120 questions and will cover the basics.

The second is the infection control exam and consists of 100 multiple choice questions. It is also part of the orthodontic assistant exam. The third component is the radiation health and safety exam. It also has 100 multiple choice questions.

The orthodontic assistant test has 210 multiple choice questions that cover the course of the program. The practice management administrator test focuses more on the front office than it does on the healthcare.

It will deal with book keeping, records, accounting and receptionist duties. The training for this program will cover computer classes as well as some of the typical anatomy and physiology classes.

Do not let intimidation stop you from taking the dental assistant certification test. There are some things you can do to help the test go much smoother. Make sure you do not try to cram the material in at the last moment. Cramming for an important exam is never a good idea!

Start studying a few weeks beforehand, and plan to cover a certain amount of information each night. Don't forget to review. Get plenty of sleep the night before, eat a good breakfast in the morning and wear comfortable clothing. Simple things such as these can help.

Finding Nursing Home Administrator Jobs


Nursing homes are today not only meant to take care of aged residents, but also take are of younger patients suffering from some physical or mental disabilities. Sometimes even healthy adults may have the need of these homes to take care of their physical, occupational and rehabilitation services.

With these specialized homes offering services to various types of people, there is a need of hiring may employees. In addition to this, all expenses the home incurs have to be monitored at all times to ensure its efficiency. It is the home's administrator who takes care of all this; and with the rising number of these homes, there is an increasing vacancy for nursing home administrator jobs.

Possible candidates for these administrator jobs are those who are great at handling nursing, personnel, financial and medical issues of the home. They should also have personnel management skills, good knowledge about finances and enough about nursing and medical skills for assisted living.

Requirements to be met

With so many responsibilities to bear, nursing home administrator jobs have some license requirements that have to be met to get the job. Applicants should be professionals of age 21 years and above at the time of making an application. Besides having the required educational qualifications, nursing home administrators should have the right moral character and mindset for the job.

Regarding educational qualifications, those with higher degrees from accredited institutions are more likely to get the job. In fact, the closer is the degree to the practical needs of the job; the better it is for the applicant.

Coursework the applicant has to have undergone during their bachelors degree should include health care financial management, nursing home administration, personnel management, gerontology and health care.

Use the Internet

Even if an applicant meets all the educational requirements, it is necessary that the applicant undergo, and complete training and some programs required by the nursing home, before receiving a license. After this, there is the actual licensure exam that the applicant has to pass before getting a job as a nursing home administrator.

Once you have all the qualifications for nursing home administrator jobs, you have to post resumes and answer ads The internet is the best medium to find nursing jobs in general as there are many job sites, websites advertising nursing jobs and classified ads to answer. Try, try and you will succeed

Though there may be many openings to consider, it is better to narrow down your search by sticking to companies that have a good reputation of hiring nurses. By posting resumes on reputable job sites, which is free, you are sure to get recognized by nursing homes looking for administrators.

The internet is a great means of looking for these jobs as you can find out of job openings not only in your city, but also across the world. However you have to remember that though you may find many openings and have all the required qualifications for the job, but their are no guarantees. Don't get disheartened with any rejection; try and try and you will pretty soon find the right job for yourself.

Protect Your Statement of Claim From a Motion to Strike


What if you are injured in a traffic accident or by medical negligence, with an outcome serious and irreversible? If you look to the law for relief, your first step is to file a Statement of Claim in civil court. Immediately after, the opposing counsel will very likely file a motion to strike your claim. Almost every defendant tries that avoidance tactic with vigor. Now: if a claim is unarguable in law, frivolous, or vexatious it can legitimately be struck. But if your claim is none of those, your opponent will try to strike your claim for other, more speculative reasons. Learn what those reasons are -- and arrive in the courtroom armed with knowledge to protect your claim.

In Canada, the Supreme Court set down parameters for when a Statement of Claim can, and cannot, be struck. A good way to understand this subject is to review the history of how and why the law developed in regard to striking claims. There are several major stepping stones, and each represents a mistake made by claimants in the past which the court had to rule upon. Our review starts in England, where the law of Canada had its origin.

Stage #1 In England in the 1880s, the "plain and obvious" test was codified. With that law on the books, Judges suddenly had the discretion to ensure the court was not used simply to harass parties through initiation of claims that were obviously without merit. The civil procedure we know today is forged from a century of refinements on that theme.

Stage #2 In England circa 1910, the law was revised thus: Judges had the right to stop an action if it was wantonly brought without the shadow of an excuse, when there was no doubt that the action was baseless. But this did not allow summary dismissal of a claim just because the judge in chambers thought the claim would be unsuccessful in the end. The power of halting a claim and deciding it without trial was to be very sparingly used. It was reserved only for claims which were an abuse of legal procedure. Different opinions about law, just as different readings of the facts, were to be decided at a trial. A plaintiff should not be "driven from the judgment seat" without a right to be heard, except where the cause of action was obviously and incontestably bad.

Stage #3 Canada imported the laws from England. The law on striking claims did not change much until the 1960s when the province of Ontario added: The fact that a claim might be novel was no justification for striking out the Statement of Claim. The power to strike out proceedings should be exercised with great care and reluctance.

In the 1960s the province of British Columbia added: So long as a Statement of Claim, as it stood or as it may be amended, disclosed some question fit to be tried by a judge or jury, the mere fact that the case was weak or not likely to succeed was no ground for striking it out. The complexity or novelty of the question the plaintiff wishes to bring to trial should not act as a bar to that trial taking place.

Stage #4 In 1990, the law on striking claims was unified across Canada. The Supreme Court agreed with and consistently upheld the "plain and obvious" test. How is that test applied? When a defendant files a motion to strike a claim, the Judge assumes -- just for a moment, and just for the sake of argument -- that all the facts in the Statement of Claim are proved. Given that best-case scenario, the Judge then asks, if the facts are true, would they disclose a reasonable cause of action? The word "reasonable" has a broad definition: it means a claim with "some chance of success." The plaintiff must not be driven from the judgment seat if there is a chance the claim might succeed.

Summary What you need to know and remember: Neither the length and complexity of the issues, the novelty of the cause of action, nor the potential for the defendant to present a strong defence should prevent the plaintiff from proceeding with the case. Only if the action is certain to fail because it contains a radical defect, should the relevant portions of a claim be struck. Even then, the plaintiff should be granted time to amend the Statement of Claim. Of special note: Striking out cannot be justified because a pleading reveals a difficult or important point of law. On the contrary, it may well be critical that such an action be allowed to proceed.

Guide to Elder Care Options


Care management services that help older adults and their families to manage age-related situations are called Elder Care, Aging Care, or Geriatric Care options. Some of the elder care options available in the US include nursing home, assisted living, adult day care, senior communities, and elderly home care. 

Part of determining what elder care solution best fits your needs involves understanding what type of services and support each offers. 

Nursing Home

Nursing homes provide skilled nursing facilities for seniors requiring constant medical care. They have a licensed nurse on duty 24 hours a day. A nursing home is usually a standalone facility. Sometimes it may operate from within a hospital or an assisted living facility.

Assisted Living Facilities

Assisted living facilities are a type of senior housing. They provide housing, health care and personal care services to seniors who need assistance. The environment is more independent than a traditional nursing home. They provide many, but not all, of the skilled nursing services provided by a nursing home.

There may be wide variation in the level of care provided by different assisted living facilities. Choose one where your loved one will be most comfortable.

Adult Day Care Center

This is a nonresidential facility. It provides care and companionship to seniors who need care during the day. Staffed with senior caregivers, it helps to delay or prevent institutionalization and encourages socialization among seniors.

Adult day care centers may be standalone. You may also find one in a senior center, nursing facility, church, hospital or school. Costs vary according to the services offered.

Senior Communities

Senior communities, also called retirement communities, are communities with a variety of apartment sizes from studios to large two bedrooms designed to accommodate seniors with few medical problems.

There may be different activities and amenities available, such as a swimming pool, golf course, fitness club, etc.

Home Health Care

This is medical support care delivered right at the home of the senior. The services may include skilled nursing care, physical therapy, occupational therapy, speech pathology, medical social services and home health aides. You can hire home health care services from an independent care provider or you can hire them through a home health agency.

Choose the option that suits your requirements best.

Special Care For Special People


When nursing homes or assisted living facilities are not an option for care, many families will choose to hire a private caregiver to either live in the patient's home or come on a daily basis to give care. Care for the elderly in home has become a popular alternative to the traditional forms of elder care. Home health care can ease the burden of care without causing the remorse associated with leaving a loved one in a strange facility. There are numerous agencies available that will send certified employees into private homes to assist the elderly, thereby eliminating the need for institutional care.

Home health care is a great way to ensure quality of life for people with health issues. Most elder care agencies will include, with a contract, personal care, financial assistance, help with shopping, doctor visits, meals, light housekeeping, making sure the client follows a proper medication schedule, etc. Most clients can expect to be introduced to a prospective caregiver. Once a suitable caregiver has been approved by both the company and the client, that caregiver will remain with the client for the entire length of the contract.

Anyone is eligible for at home care. Advances in medical technology allow even the seriously ill patient to convalesce at home. Many patients become well acquainted with their caregiver's and start to consider them a part of the family. Those that are able, will buy their caregivers gifts or help them pay their bills. Patients can become very attached to their caregivers. Sometimes, if a client chooses, they can buy their contract out and hire the caregiver, to which they are attached, privately.

As with any health related issues elder care is not cheap. Long term care can be expensive and taxing on a patient's finances. Most agencies that offer care for elderly in home accept long term care insurance. What is long term care insurance? Long term care insurance is not medical insurance. Long term care insurance enables people, who feel they cannot afford home health care, to live their life with peace of mind. Knowing that you or your loved one will be able to afford the cost of home health care is invaluable. It is, however, better to get long term care insurance before a medical incident happens as precondition standards apply to long term care insurance.

For at home care that offers a wide variety of services, care for the elderly in home is an acceptable way to keep an aging family member happy and safe while ensuring their safety and regularity of care. Home health care can be affordable with the right type of insurance. Making the choice to use a home health care agency instead of an elder care facility is not an easy one. The most important issue at hand is maintaining a good quality of life for family members in need of assistance.

Getting a Job As a Teacher: Work Experience Is a Must


As a former administrator, I learned that one thing all prospective employers look for on a teacher resume is former work experience, particularly work experience involving working with children. When looking over a resume, principals look for the following:

The quality that employers seek above all else is a strong worth ethic. They want teachers who are energetic, dependable, team-oriented, and hard-working and set a good example to the community. Job experience with a positive recommendation is the best way to demonstrate you meet these qualifications.

Prior to my first job as a Special Education teacher, I had work experiences as I worked my way through college. I was a nurse's aide in a nursing home, did respite care for a foster child with autism, and worked in a group home for teenagers and adults with disabilities. In addition, I had numerous jobs from McDonald's to a work study job as a typist in my college department. In addition to being valuate to my obtaining a teaching job, these largely minimum wage jobs taught me a lot about the world and made me better able to related to people who work these jobs every day to support their families. As an administrator and teacher, this work experience made me more approachable to classified staff and families who live in poverty because I could appreciate the work they were doing.

All of these experiences played a part in me easily landing my first job as a teacher. Despite having graduated in November, I started a full-time job on January 3rd.

Admittedly, it is difficult to work and go to school at the same time, but it's not impossible. I worked up to 40 or more hours per week and went to school at the same time because I had to. If you can't do both at the same time, at least work during school breaks.

Job experiences involving children are particularly valuable. Such jobs can be babysitting, summer camps, tutoring, daycare, music lessons and more. Volunteer experience is also helpful, particularly volunteer experience with children who have special needs, who are English Language Learners, are socio-economically disadvantaged or from an urban area. Here are some suggestions of places to volunteer to gain these experiences: a children's hospital, Special Olympics, an urban league, a church or synagogue, a food pantry, or a family homeless shelter or soup kitchen.

Of particular importance to principals is your ability to manage groups of children so such jobs as summer camp counselor, daycare center worker, vacation bible school or Sunday school teacher look good on resumes.

Again, work experience, particularly work experience in working with children, is valuable to obtaining a teaching job. Make certain you are an exceptional employee with good recommendations. It will pay dividends.

Thursday, April 11, 2013

Guidelines For Detecting Emotional Nursing Home Abuse


Emotional nursing home abuse, also known as mental or psychological abuse, is a major cause for concern because it is difficult to detect and can leave residents mentally disturbed. Victims of emotional abuse in nursing homes may be reluctant to report the abuse they are experiencing out of fear that it will worsen.

Senior citizens have a right to be treated with respect, dignity, and compassion while they are living in nursing homes. Unfortunately, these rights are violated when elder care facility employees emotionally abuse residents. Emotional nursing home abuse can take the form of any act that results in suffering, anguish, emotional distress, or psychological disturbances in residents. When staff members engage in verbally and emotionally abusive behavior, such as humiliation, harassment, threats, deprivation, intimidation, manipulation, and degradation, nursing home residents suffer greatly. Involuntary isolation and unwarranted restriction of activities also can also qualify as emotional abuse.

Although the signs of emotional abuse in nursing homes may be less obvious then those of physical abuse, there are still some symptoms that family members and friends of elderly victims should be aware of. Victims of emotional elder abuse may show signs of depression, anxiety, disorientation, constant agitation, sudden dementia, and confusion. Bouts of insomnia, mood swings, and low self-esteem may also serve as indicators of emotional abuse. Unusual behaviors (such as rocking, sucking, or biting) or a sudden shift to a non-communicative, withdrawn demeanor are additional signs of emotional abuse in nursing homes.

Emotional nursing home abuse may occur as a result of a number of factors. A nursing home's failure to conduct thorough background investigations on staff members may allow an individual with a history of mental abuse to become an employee of the facility and victimize the residents. When staff members are improperly supervised or insufficiently trained, there is a higher potential for abuse of residents to occur. If an elder care facility is understaffed, the existing employees will be put under an increased amount of pressure and may take out their frustration and stress on the residents by emotionally abusing them.

If you suspect that your loved one is being mistreated while in the care of a nursing home or elder care facility, you should immediately report the problem to the facility's administrator. In addition, file a complaint with the department in your state that regulates nursing homes and seek the help of a qualified nursing home abuse attorney.

Finding Affordable Veterans Assisted Living


There are way too many people who don't know about veterans assisted living benefits that can make the difference in the quality of care and the homes they can choose.

If you are a war-time veteran (no you do not have to have seen combat or serve overseas) you probably have not been told about a VA benefit that could give you up to $23,388 a year to help pay for assisted living.

There are literally thousands of veterans and their widowed surviving spouses who are struggling everyday with finding funds to pay for their care and living space at assisted livings across the United States of America. Why is this happening is the biggest question.

The reason, it is a government run program from a government agency, the VA. Is there really anything more to say?

Here are the 5 things you need to know to see if you too are one of the eligible veterans missing out on this financial assistance benefit.



  1. You need to have served 90 days of active duty with just one of those days during an official stated time of war. (WWII, Korea, Vietnam, Gulf War I and Gulf War 2)


  2. You can no longer be driving. This is a biggie, but you have to be housebound by VA standards and that means not being able to safely drive a vehicle.

  3. You need to have your physician state on a form that you need assistance of another individual with activities of daily living. These are things like assistance bathing, grooming, hygiene, attending to the needs of nature, etc. (There are many more but too many to list in this article. See VeteransCareAdvisors dot com for a complete and comprehensive list)

  4. The benefit is also dependent on your financial need. The first in based on your total liquid assets. This amount needs to be less than around $80,000 and does not include your primary home, car and personal property. It does include stocks, bonds, mutual funds, IRA's, 401K, bank accounts, cash and collectibles. But here is the best part! There currently is no look back period. That means if you are over today you can use common estate planning techniques and be eligible tomorrow!

  5. The last financial criteria is based on your income. You countable income needs to be below a certain level established each year. But, again here is the best part! The VA uses what they call COUNTABLE income. That means you can subtract certain medical and care expenses from your income to bring your countable income down to the qualifying amount.

The income criteria are the ones that trip most people up. Not because they can't qualify but because they are not told what they can do to meet these 2 criteria.

There is a veteran in California that has a monthly income of $5,000 per month from Social Security and Retirement Pension and he gets $1,644 each month in financial assistance from the VA!

How?

He lives in an Assisted Living Facility and that expense coupled with his other qualified medical expenses his "countable income" now meets the financial eligibility criteria.

Another widowed surviving spouse in North Carolina had $150,000 in savings after selling her house and was spending this down paying for her veterans assisted living cost. Simply by learning the true information (which was different from what the county VA officer told her) about this VA aid and attendance benefit she too is getting financial assistance from the VA equal to $1,057 each month.

What About You?

Isn't it time that you found out if you too can get this VA financial assistance. Veterans assisted living options have never been better. Don't let your $23,388 not get paid to you.

Assisted Living Executive Director Helps Families Talk About Costs of Assisted Living Facilities


KH: I'm here with Margie Veis, the Executive Director of Summerhill Villa, an assisted living facility in Santa Clarita, California.

KH: How long have you been doing this work?

MV: I have been an executive director for ten years, all of them at Summerhill Villa.

KH: How do you help families talk about the costs involved with assisted living?

MV: I think a big mistake is families look just at numbers. They'll say: "I'm going to look at place A and place B. They're both assisted livings. They're both going to give care. One's a thousand dollars less." They go with the one that's a thousand dollars less and they base it purely on money.

You get what you pay for. There might be a reason why it's more expensive. You want to look at the care staff. What's the training? Some of our competitors have what's called a universal care giver. One person is doing care giving and food service and activities, whereas in our building I have an activities staff, a care giving staff, and a laundry staff. I have to pay that staff. I have to keep that staff trained. That's going to cost more. It costs me more to run my building but you're getting better care.

Price is a factor - yes. Amenities are a factor - yes. But what does it feel like? You have to trust that.

KH: What you said is interesting because the numbers weren't really that out of whack for mom here based on home care, insurance, food and everything.

MV: You take that into consideration. We talk about that with families. Is there a house payment? Are you paying for a house keeper, a gardener, a pool man? You have to buy groceries. You're paying for insurance and utilities. And, what's your time worth? Are you going over there everyday to make sure mom's eating? Are you getting called can you pick me up this? Can you pick me up that? So you have to punch that all in and it isn't always more expensive.

But, to the elderly that's a lot of money because they're thinking depression years.

Also, I hear from many of our residents they don't want to spend the money because it's the childrens' inheritance. I also hear the children saying that's too much money because that's my inheritance. I have children saying: "That's a lot of money. I can do it for less and then I'll have more when I inherit." They say it. I think that's a big mistake too.

What Is a TAC Claim and How Can a Lawyer Help?


In Australia, the term "transport accident" applies to an accident involving a motor vehicle or motor car, railway train or tram. Transport accidents can also include pedal cyclists that collide with an open or opening car door, a motor vehicle, railway train or a tram that is out of control. When individuals are injured in a transport accident, they can lodge a claim with the TAC for medical benefits.

The TAC was established by the Victorian Government in 1986. The organization was designed to ensure that people who were injured in transport accidents received appropriate medical treatment and necessary benefits. The TAC also plays a pivotal role in promoting road safety and improving Victoria's trauma system.

The TAC is a personal injury insurance company that is funded by Victorian citizens when they pay their annual registration at VicRoads. The funds collected are used to ensure that every Victorian resident is treated in a fair and equal manner. The "no fault" system is designed to provide medical attention for all citizens, regardless of their ability to pay or fault.

The TAC covers several different types of accidents caused by motor vehicles, motorcycles, buses, trains or trams. TAC benefits cover the driver, passengers, pedestrians, motorcyclists or cyclists. Any reasonable injuries that one might sustain in a transport accident will be covered by the TAC. The TAC covers costs involving the ambulance, hospital, medical, chemist, and therapy, dental and nursing services. In addition to the above covered services, the TCA will also cover some other non-medical services and costs. For example, special equipment needed for recovery or travel reimbursements to medical facilities.

What types of benefits the TAC can pay are covered under legislation called the Transport Accident Act 1986. The benefits and treatment which are covered under the TAC depend on what is covered under the legislation, the injured person's circumstances and what treatment is reasonable considering the need and the cost of treatment. In additional to treatment costs, the TAC has benefits that cover family counseling, child care and vehicle modification.

Although the TAC is a government organization that aims to meet the needs of Victorian residents - it's still extremely important to hire a personal injury lawyer to assist you in the claims process. It can be extremely confusing and daunting to struggle with your claim while you are trying to nurse your injuries and adjust your life after an accident. Having an experienced lawyer by your side, will expedite matters and work towards finding additional liability where applicable. As a matter of fact, if your accident was caused by the negligence of another, your attorney may be able to pursue Common Law damages (pain, suffering and economic loss) on top of your TAC benefits.

GPS Tracking Technology for Alzheimer's Patients


Anyone who has a loved one afflicted with Alzheimer's disease understands the worry of a wandering incident.

Alzheimer's disease is a form of dementia that causes its sufferer to become paranoid, confused, and have memory problems. Being confused about their surroundings, many patients wander around aimlessly, which can lead to life-threatening situations, such as walking into lanes of traffic. The Alzheimer's patient may now know where they've wandered too, where they live, or even their name.

Approximately 60 percent of people inflicted with Alzheimer's disease are prone to wander. This is a concerning statistic for family members and caretakers of Alzheimer's and dementia patients, particularly if it's impossible to keep a close eye on them every second of every day.

As the number of baby boomers approaching the age of 65 reaches the millions, the rate of Alzheimer's sufferers is predicted to affect up to 16 million by 2050, according to the 2011 Alzheimer's Disease Facts and Figures report published by the Alzheimer's Association.

Whether a family member or health care facility professional, caregivers of Alzheimer's patients may soon breathe a sigh of relief however, thanks to GPS technology.

With the expected rise in the number of Alzheimer's patients, real-time GPS tracking devices have become an essential tool for both family in-home caregivers and assisted living homes alike. Without a GPS tracking device, the task of finding a wandering Alzheimer's patient is quite challenging.

Real-time GPS tracking devices for Alzheimer's patients are available in a number of different forms today. For instance, they can be attached to a person's clothing or worn as a piece of jewelry, like a watch or bracelet. GPS tracking devices for memory-challenged individuals can even be implemented in shoes. In this case, the GPS tracker is implanted directly into the heel of the shoe, giving the shoe a natural look and appearance.

These on-person GPS tracking devices can be used to track a patient for several miles, providing accurate, real-time patient location. Some devices offer the ability to alert the caregiver when a patient wanders out of range, while others can provide an alert if the Alzheimer's patient falls.

In 2011, approximately 5.4 million Americans have Alzheimer's and an estimated one in eight people over the age of 65 have Alzheimer's.

Cost effective GPS tracking solutions can locate in real-time and on demand vehicles, people and property from any web based computer or mobile device.

Sexual Abuse And Police Brutality - Two Difficult Personal Injury Case Types


Personal injury attorneys sometimes find that it is easier to take on cases that involve product liability, such as malfunctioning equipment, or even automotive accidents. Expert witnesses in these cases can provide information about how the interactions between roads, traffic control signals and other elements function. On the other hand, personal injury cases can be difficult when allegations of police brutality or sexual abuse arise.

In the case of some ten women who Los Angeles County law enforcement agencies say were assaulted at residential care centers in the California area, they may not even be able to speak for themselves. After all, they are severely disabled, and the sole current record of the attacks are grainy surveillance videos recovered by an anonymous computer technician. So if you are involved in such a personal injury case, how can you be sure that you have the best chance of it reaching a satisfactory conclusion?

Sexual Abuse Personal Injury Cases

Many plaintiffs in personal injury cases revolving around sexual assault or sexual abuse are those who have been attacked by a person in a position of authority, whether a superior or an aide in a healthcare situation. So the danger in these cases is first, to provide an atmosphere where the victim feels comfortable admitting that an attack has taken place. Qualified personal injury attorneys who take on these cases understand the difficulty in offering solace while allowing victims to speak about these tragic events.

They also understand that it's not just the assailant that may be at fault. A California sexual assault case that returned a judgment of more than $2 million on behalf of two sexually assaulted students found that the school district could have been at fault, were it not for the statute of limitations running out. It means that based on case-by-case evaluations, employers of assaulters or those who did not create a safe environment may also potentially be at fault. It's important for assault victims and their guardians or families to understand this fact.

Police Brutality Personal Injury Cases

Police officers have guidelines for the amount of force that they can use in a given situation, it's commonly called a matrix, and is set by their department's policies. In many cases, the force is only that needed to either minimize a violent situation, or restrain a suspect long enough to apprehend him or her. But police officers make mistakes and use excessive force, and personal injury attorneys recognize how difficult it can be to establish claims and reach a jury award or satisfactory financial settlement.

The closed society behind police departments may means that it takes substantial effort to get departmental records or video of alleged events. Potential personal injury lawsuit plaintiffs need to understand that those with experience know how to press for information, how to best use prior medical records to establish the amount of damage that a police brutality case caused for a victim, and more. The right attorney can help find the evidence, find witnesses, and ensure the best possible result. It can result in millions of dollars in settlements, as a California personal injury case concerning police brutality found.

Wednesday, April 10, 2013

Nursing Homes - Putting the 'Home' Back in Elder Care


Many nursing homes around the country have gotten a face lift and not just a physical kind. For several elder care facilities they are ditching the regimented care in which people are housed like a hospital and required to take medication at a certain time in addition to having to wear 'lift belts' or use walkers 'just in case.' There is a movement that has these nursing homes listening to their charges and their nursing staff. The companies that own these facilities, and there are several around the country, are putting the 'home' back in nursing home.

The old nursing homes were modeled after hospitals and institutions with an emphasis' on efficiency instead of making a persons stay pleasant and calm. Most of these new elder care facilities seem more like large dorms or apartments for the elderly. There are typically 10 to 30 people to a section with a communal kitchen, dinning and living room areas. And no one is roused at 7 am for breakfast so they could be shuttled back to their room for an 8 am shower. People wake up on their own time and the nurses or a cook will make them something to eat. People are treated like individuals and with respect. Additionally, medications are given when they are suppose to be taken, but delivered to the patients room, no one has to line up to receive medications with everyone else.

Homey touches are all around in these progressive nursing homes such as visits from pets. Many people who enter nursing homes must give up their pets which can contribute to their overall depression about their new situation, but if they know their beloved companion could come and visit with them, this could help their mood immensely.

Having residents become active participants in their care helps give them a sense of purpose. Many residents will willingly help with preparing meals, washing dishes, sweeping or other communal room chores. Other residents may organize a 'help' campaign such as sewing cloth bags and filling them with pencils and notebooks for those children who don't have school supplies in an underdeveloped country.

And many of these 'new model' nursing homes have seen a decrease in the number of employee turnovers in the past several years, something that has always plagued traditional nursing care facilities. By having no more 'floater' employees - nurses who rotate throughout the facility - and instead have a 'consistent assignment' - caring for the same one or few patients everyday they are working - has also seen a decrease in the three major problems facing patients that could be related to the constant changes in caregivers - weight-loss, ulcers and falls. If a nurse sees a patient every three or four days, they may not notice a subtle change in their skin color which could be an early sign of a pressure ulcer from inactivity. Many elderly do not handle change well and having to deal with a different caregiver each day could have a negative affect on their system and psyche.

What Should You Do If You Suspect Elder Abuse?


Elder abuse isn't a new phenomenon but it's certainly a growing one. As the population in the United States ages there is a greater need for assisted living apartment communities and full-care facilities for seniors. These facilities are staffed by professional caregivers who do an excellent job. Unfortunately there are exceptions to the rule.

Elder abuse takes many forms. Nursing home or other care facility residents are victimized by theft, physical assault and emotional abuse. What all elder abuse has in common is that the victims are helpless to defend themselves. Negligence is another form of abuse and consists of inadequate care such as failing to feed or provide medicine at the prescribed times.

Emotional abuse occurs as staff verbally berate or insult an elderly person. This type of abuse may go on for years without it being detected. If your elderly mother is in a nursing home and you suspect that she's being abused, what should you do? Well, first of all, take the possibility seriously.

Talk to your mother. Ask her questions about the care she's receiving. Check her for bruising and other indications of physical abuse. Get a feel for how she regards her caregivers and whether there is seemingly unwarranted fear of a particular nurse, aid or other resident.

You should speak to your mother's physician about your suspicions. The doctor will discreetly examine her with your suspicions in mind. If there is any evidence whatsoever of elder abuse you should contact your local law enforcement agency and the state or local social services agency charged with protecting the elderly. Elder abuse violates both criminal and civil laws.

The evidence you have should be presented to law enforcement authorities for further investigation. Relevant evidence includes what you've been told by your mother, other facility residents and the physician as well as the physician's documentation of signs of abuse. Any neglect you've observed such as dirty and unchanged sheets, unnecessary restraints or improper staff attitudes and behavior should be reported. All these things will be combined to help make a case of elder abuse.

Obtaining the services of an attorney for potential civil litigation is an appropriate response if you suspect abuse or neglect. Civil allegations may successfully be established by the preponderance of evidence in civil litigation even if the required proof beyond a reasonable doubt to prove a crime isn't met. A lawsuit will force the care facility to correct the situation and be a strong deterrent to allowing abuse to occur in the future. Just the threat of legal action can launch an internal investigation by facility administrators and correct questionable practices or result in outright firings and criminal prosecutions.

Prevention is the best cure for elder abuse, so be aware and involved in the care of your mother. Listen to her complaints and bring them up to the staff and facility administrators. Make sure you mention to staff that your mother is represented by an attorney in the matter of her care. If you're proactive you won't have anything to worry about.

Making the Most of Corner Shower Enclosures With Limited Space


Corner shower enclosures are perfect for bathrooms that are limited in space. When some people decide to renovate their bathrooms they look at several important factors and one of them is space. Unless a bathroom is going to be expanded, it is best to work with the amount of space that is already given. It does not mean being uncomfortable or cramped; it simply means to be sensible and creative.

Full size bath tubs and humongous showers are not necessary nor do they make the bathroom look elegant. In fact, what it does is take up space and leave little room for the imagination. The corner designs can be customized to fit any dimension. They can be built from a railing around the wall or straight to the ceiling.

The doors can betake on any design; tri-fold, bi-fold, or swing door. Frameless corner showers are also popular among health care facilities especially hospitals and assisted living homes. The reason why corner showers are in demand is because of the ease and simplicity of putting them together or installing them.

Some units come complete with only 3 pieces and are constructed from the best material around. They are crack resistant, peel resistant, and practically indestructible. They have a high glossy shine that is smooth and interlocking joints without any seams. The modular designs are easier to care for, inexpensive and the most preferred.

The fact that they are used for both private and personal use makes them the most sought after bathroom fixtures on the open market. New homeowners look at corner enclosures as a real art of beauty. They do not see half a bathroom; they see a luxurious and uniquely designed room that is comfortable, affordable and adorable. These features are important to homeowners who are looking for an expensive look at a very inexpensive price.

For instance, take the MAAX Rain Forest Acrylic Corner Shower this enclosed shower is absolutely gorgeous. It come with chrome and brass fixtures, halogen lights, pulse action shower massager with 12 jets, a sliding glass door, see through tempered glass panes, on the sides draining system, deep seat with a shelf, and six multi jet body sprays. This particular model comes with a lifetime warranty and is 44 翹 inches x 44 翹 inches x 93 inches plus it comes with a 4 function diverter and a volume control valve and 95 gravity flow outlets and an adjustable hand held shower.

The style of corner unit a person chooses will determine how much they pay. These enclosed shower units can range from a few hundred dollars to thousands of dollars. Anyone who is set on buying a corner shower unit should compare prices at various online shops or at brick and mortar stores.

It is more than possible to get an expensive, classy, and updated shower installed at an economical price. Bathrooms can be designed and constructed so many different ways. Installing a radio or music system inside the bathroom makes taking a shower just simply divine.

Understanding Class Action Lawsuits


Class actions are also familiarly referred to as representative actions due to the very nature of these types of cases. In general, when an accident, defective product, or anything else has wide ranging consequences that affect a number of different people, the general consensus is to file a class action lawsuit. These are legal issues that involve multiple people, and it often takes form in a group that is bringing suit against an offending company, person, etc. However, the reverse can also be true, in which case an entire class of defendants is being sued. In general, the main determining factor in cases of this nature is the number of individuals involved. Because multiple persons are included in cases of this sort, the actions have been fittingly titled as "class actions."

The Federal Rules of Civil Procedure (specifically, Rule 23 and 28 U.S.C.A. 禮 1332 (d)) is what is used to govern class action lawsuits. Under the conditions stipulated in these laws, entire groups of people can determine whether or not theirs is a case that could be eligible for class action. In general, the federal courts will become involved in matters that involve civil actions in which the amount in controversy is in excess of $5,000,000. The federal courts will also be utilized in any matter in which even one of an entire class of plaintiffs is a citizen of a state other than that of the defendant; any member of an entire class of plaintiffs is a citizen of a state and any defendant is the citizen of a foreign state; and any member of a class of plaintiffs is a foreign state or citizen or the subject of a foreign state when the defendant is a citizen of the state. Assuming that any of these conditions are at play when a class action suit is filed, the federal court system will undoubtedly be called upon to take action in the matter.

The nature of class action lawsuits sets up the potential for a number of plaintiffs or defendants, sometimes ranging in the hundreds. Therefore, it is not uncommon for cases such as this to span across state borders and affect residents of the country nationwide. These suits must show a commonality of issues in order to be considered in the process of a class action suit, a feat that can prove to be difficult considering the fact that many states have their own set of laws and governing expectations. However, the possibility for nationwide action lawsuits does exist, and when they are brought before the federal courts they are generally re-distributed to pre-trial multidistrict litigation cases. In this way, it is possible for the courts to look more closely at individual cases prior to attempting to handle the whole suit at once.

Depending on the circumstances of your case, you may or may not be better served in the federal court system vs. the state court system. In general, it has been determined that federal courts tend to produce more favorable results for defendants, while state courts are more apt to act in the favor of a group of plaintiffs. In many instances, the initial filing of a class action suit will be done in the state courts and then moved up to the federal level if circumstances call for it. Also considered to be general practice of cases of this nature is the fact that these suits are filed naming at least one, but often several, plaintiffs on a proposed class of affected individuals. There must be a common injury suffered among the group under legal speculation in order for the claim to be valid. Furthermore, due process often comes into play with these matters. This means that public notice must be made in which the class action is made viewable to all members potentially involved. This can be accomplished through public broadcast, written statements, and the like. Failure to meet any one of the aforementioned standards could effectively negate the need for a class action suit altogether.

Church in a Nursing Home


I remember being bummed out on September afternoons after church in Minnesota. September was our church's month at the nursing home. I would think of a thousand excuses why somebody else should go. I'm sure my presence must have been something less than inspiring.

Nine years later, I understand something I did not realize back then: that many nursing home patients are mentally sharp, spiritually devout men and women, who are only a few years removed from full, active lives. And if they could, they would still be in church every Sunday morning. Our little half hour Sunday afternoon service was, for them, a way to connect with something deeply meaningful in their heart.

It is common for nursing homes to invite churches to put on mini services for their patients. It is not common, however, for churches to actually put their heart into that privilege. Indeed, for many it is a burden. Just like it was for me all those years ago. Why is that? Why do so many adults miss the fact that society's most vulnerable citizens desperately need what they have?

If we adults miss it, the good news is that our children don't have to. Last month, my daughters went to back to back services in our local town here in Oregon. They sang as our worship leader (our "go to guy," no less) led them in a few songs. Then they listened intently as someone gave a short message. After that, they did something else: They talked with the patients. They got to know their names, their stories. They prayed together. And now they look forward to seeing them again.

Religious services in nursing homes are optional, of course, for patients. But these services deserve to be treated with forethought, love and respect. If we value the patients, the least we can do is show them that they are worth our time.

Tuesday, April 9, 2013

Have You Prepared to Face Nursing Home Costs Yet?


You might think there is still a lot of time to start thinking seriously about your nursing home costs, but certain figures that are going around lately are enough to make any person stop in their tracks and sit down and think. Costs of nursing are simply going up and up. They are already too high currently and they are about to rise steadily over the coming years. Even if you are far from your old age right now, you will most likely have to bear these costs at one time or the other, and then the costs are going to be inflated out of all reasonable proportion.

Consider this-more than half of all Americans will need nursing care for at least a year. Almost a quarter of all Americans will require long term nursing care when they are old. 'Long term' here refers to any period that is more than a year. On an average, the American Association of Retired Persons states that, Americans who stay in nursing care homes spend about two and a half years.

These numbers may not seem so scary to you right now. Maybe you are still thinking about the long time that has to pass before you need any kind of nursing home care. Or, as most people think, you may also be thinking about the uncertainty of life and must be wondering whether you really need to invest in that long a future or not. But how long is that future?

Most Americans start needing nursing home care once they have crossed the age of 65 years. You may be far from this age right now, but consider this-the most ideal time to start planning about life after 65 is as soon as you have crossed 40 years. Now, why is that? It is because when you are 40 and if you seek any long term care insurance, you get to pay very low premiums. The premiums go on becoming higher as your age progresses and, God forbid, if you get any ailment on the way, the premiums are going to go drastically higher. In fact, the American healthcare experts say that the best time to make your old age care financially sound is as soon as you step into your forties.

So, what are the nursing home costs actually? Here are the figures that will intimidate you. The average costs of Americans needing nursing home care fall anywhere between $25,000 and $50,000 a year. That's an amazing amount... it comes to $70 to $140 a day, which is enormous. And if you haven't taken any insurance protection when you are younger, you will need to spend all this amount from whatever savings you have after you are retired.

The figures start becoming scarier now. Imagine that you have to stay in your nursing home for three years. You might be spending like $75,000 to $150,000. To most people that's a life worth of savings. Are you saving money today only so that you can spend it all on your nursing home care after you are older? Certainly not!

There are services like Medicare and Medicaid (which is especially for the financially weak people) that can provide you insurance for any nursing home costs that you might incur when you are older. Don't ignore this essential need. Secure your future and you will be happier.

How To Choose A Good Nursing Home


With nursing homes costing anywhere from $3,500 to $10,000 per month (depending on your state), and with the average stay about 2 1/2 years, the total cost of a typical stay in a nursing home can be between $100,000 and $300,000. However, family members should not focus only on the cost but also on the care of their parent or spouse. How do you go about finding a good nursing home, one which will properly care for the emotional as well as physical and medical needs of your family member?

A good place to start would be the Consumer Reports Nursing Home Guide (you can find this online). This in-depth site is completely independent of the nursing home industry and can be relied on for giving you objective information. Here you can learn not only what to look for in evaluating nursing homes, but also review a state-by-state "Quality Monitor" that lists recommended homes and those to avoid. These lists are far from complete, but the general information on the site is very helpful.

Medicare itself has published a four-page checklist on its excellent website http://www.Medicare.gov that you would take with you when visiting a nursing home. One of the most important items on the list is whether or not the facility is "Medicaid-certified." Most people don't realize that many nursing homes do not accept Medicaid; if you think you may be applying for Medicaid at some point, then you probably should start out placing your family member in a Medicaid-certified facility, so that once your private pay money stops you won't have to move your family member, which can be very traumatic.

Another great resource is the Nursing Home Inspector at CarePathways.com, where for a small fee you can search their database of over 44,000 nursing homes and obtain detailed information about the performance and characteristics of every Medicare/Medicaid certified nursing home in the US.

Finally, you should check out the free reports available at MyZiva.net. MyZiva.Net claims to be a free, objective and easy-to-use nursing home resource for prospective residents, caregivers and healthcare professionals that can help you find and compare nursing homes. You simply enter the zip code of the area you are considering, and a comprehensive chart pops up from which you can link to reports on the facility's main focus, survey results, quality measures, and staffing. You can also check several facilities you are interested in and obtain a side-by-side comparison.

In all cases, you will have to follow-up any online research with phone calls to the facility and finally an in-person visit. Try to get a tour that takes you "behind the scenes." Does the staff look harried? Are the hallways cluttered? What about the food? You might consider having a meal there, yourself, with the residents. Bring your checklist and don't be shy about asking tough questions.

Moving a loved one to a nursing home can be an emotionally draining experience not just for the one having to move there, but for the entire family. A spouse of 65 years, separated for the first time; a parent who's always been there for you, that you now must take care of; the solid father and grandfather who now looks shriveled and worn--all these can exact an emotional toll on the family. Accordingly, you want to do your best job in locating a facility that you can feel confident about, and that will be a comfort and aid to your spouse or parent during the remaining years of their life. Hopefully the resources discussed above will assist you with that task.

A recent additional resource, The Baby Boomer's Guide to Nursing Homes, explains the many laws protecting nursing home residents and provides advice on obtaining the best nursing home care possible. It is intended for use by residents and their family members and friends, but also is a worthwhile reference for nursing home operators, attorneys, social workers, and others with a personal or professional interest in nursing home care.

For a different point of view on nursing home placement, see There's No Place Like A Nursing Home.

Selecting a nursing home for a loved family member can be a very difficult decision. However, once you are armed with the information from the above resources you should find this burden to be much less onerous. In any event, good luck!

Car Accident Lawsuits in Texas


Dealing with a car accident in which you were not at fault can be a traumatizing and costly experience that has the potential to have debilitating effects on your physical, mental and financial well-being. Considering the fact that Texas personal injury cases have a two-year statute of limitations, taking care of your situation in a timely and efficient manner is vital.

Knowing your rights and discussing your situation with a qualified attorney, will make this process much more straightforward and less stressful, allowing you to focus on getting your life back together.

Types of Car Accidents

There are many different types of accidents that are eligible for personal injury claims due to the negligence or carelessness of another. Some of the most common accidents in Texas include:

- Low Speed Impact Crashes
- Rear End Impact Accident
- Head On Impact
- Side / T-bone Collisions
- Uninsured Motorist Accidents
- Whiplash Car Accident Injuries
- Defective Roads
- DUI / Drunk Driver Accidents
- 18 Wheeler / Semi-Truck Accidents
- Accidents where passengers are injured

The transgressor in these situations is considered to be acting negligently if they are engaging in excessive speeding, driving under the influence, using a cell phone, failing to pay attention or avoid hazards on the road, or if they are unable to adjust to the road's condition.

Car Accident Lawsuit Process

After consulting with a personal injury lawyer, he or she will file a petition in Texas Civil Court claiming that the other driver was at fault and is liable for your damages. The only way to have a chance at receiving the damages is to prove that the other driver or party was acting negligently. A negligence claim in Texas involves the following elements:

- Duty - The victim must be able to prove the defendant owed them a duty to act in a reasonable manner when operating their motor vehicle. This is a general duty and is required for every driver who drives in Texas.

- Breach - The victim must also prove the defendant breached their duty by failing to act with reasonable care when operating their vehicle.

- Causation - The victim is required to prove the defendant's conduct was the actual and proximate cause of the resulting injuries.

- Damages - The victim must have suffered some type of injury resulting from the defendant's careless or reckless actions (or inaction).

Texas law requires that the plaintiff must be able to prove all of these elements by a preponderance of evidence. The burden of proof for the plaintiff is quite low, with only 51% of the evidence needing to be in the plaintiffs favor in order to win. This is considered comparative negligence, and is the civil procedure that Texas and the majority of other states follow.

As for the specific damages, Chapter 41 of the Texas Civil Practice and Remedies Code defines the types that are permitted in the state for a car accident lawsuit. Included are economic damages (compensation for any actual financial loss), non-economic damages (compensation for physical pain and suffering), exemplary damages (punitive damages for the defendant if they acted with gross negligence) and compensatory damages (additional economic and non-economic damages that may be rewarded).

According to 禮16.003(a) of the Texas Civil Practice and Remedies Code, the Statute of Limitations allows you to pursue legal action for a car accident or property damage up to two years following the occurrence. The same amount of time (2 years) also applies to those who suffered a bodily injury in the car accident.

Smart 2-Year Associate Degrees That'll Get You Hired - ASAP!


From the high school classroom to the workforce, many have taken that route, and it took awhile before they were hired. But if you have one of those hot Associate Degree (AD) programs, you will be hired fast and earn more. Read on to learn about the courses that can improve your future prospects considerably.

When You Cannot Afford a College Degree

If you count the hours you've spent earning that high school diploma, be ready to be floored. Imagine something around 17,000 hours to include some extras. And if you think that's enough to send you to the workforce, you are right, but you'll be losing out to those who beat the path to community colleges to take AD programs.

Community colleges offer young adults the opportunity to earn courses that will get them hired faster than high school graduates, and they'll be earning $7,000 more annually. Where does that leave you then? If a four-year college degree is not economically feasible, train your sights on the community colleges.

These colleges, vocational schools, and private institutions offer two-year courses to become registered nurse, dental hygienists, massage therapists, computer support specialists, pre-school teacher, paralegal, radiology technologist, automotive technician, and communications and business administrator.

Value Added Options

If you're thinking of getting a formal college degree in the future, the AD will be credited. With this advantage, you have your future figured out. These colleges are ready to provide all the relevant practical training to make the transition from the classroom to the workplace smooth.

If you are a high school graduate and working in one of those sweatshops, you can get take an AD program online to advance your career further. This option provides the convenience as well as the opportunity for young people who are willing to take on the challenge.

Think about your options now when you can as these two-year Associate Degrees will benefit millions of graduates in 2010.

Salary Range

The attractive salary offered range from a low of $35,000 to a high of $60,000 annually. Automotive technicians can earn as much as $16 an hour, while a dental hygienist, $30.

Annually, an RN can earn $60,000; massage therapists - $35,000 to $50,000; radiologist technician, $45,000; paralegals, $43,000; and computer support technician, $35,000.

By 2010, thousands of these workers will be in demand across the country, so better position yourself before you plan for marriage and all the trimmings for a great wedding. A career should not be kept waiting, and your future personal plans will fall into place nicely.

Young people like you are aware that to get by in life with a roof over their heads and food on the table, one must have a good paying job; hence, the competitive edge is necessary when job hunting. But whether you are in your late teens or in your early thirties or in-between, take the chance offered by AD programs.

If you are already working, check out the possibilities with the nearest community college offering these courses. Once you have found something relevant and something you know you'll enjoy doing, start saving up for the school fees. It is best to have the money ready anytime and at all times so there will be no delays in your plans. The year 2010 is not far off.

The Growing Elder Abuse Epidemic And What You Can Do About It


Maybe you've seen the statistics: a baby boomer reaches retirement age every 10 seconds. Soon seniors over 65 will outnumber younger (under 65) citizens. What exactly does it mean to you? Well if you understand the way Social Security works, the people who pay into the account (working folks under 65) support the people who are drawing money from the account-namely seniors.

It doesn't take a genius to figure out that sooner or later the stress on Social Security will put it under. Medicare, the mandatory insurance program for seniors is rapidly bankrupting the country. So something's got to give there too.

On another level seniors are living longer thanks to advances in medicine. That places even more stress on Social Security and Medicare.

When seniors can no longer live by themselves they need to look to nursing homes and long-term care facilities-the most commonly used places for seniors to spend their final days. These facilities are augmented by a new phenomenon called adult homes and other names.

They are basically private homes that rent out rooms to seniors. These facilities are nothing more than a moneymaking opportunity for the homeowners. They often fall short on the care part.

There is another alternative for seniors and that is home healthcare. This gives seniors the opportunity to stay in their own home and have either a full or part-time caregiver come into the home. Some even have live-in caregivers. This is a popular alternative.

The most commonly used alternative is a nursing home or long-term care facility. These facilities are plagued by several problems. First, there is a shortage of beds. That is why these alternative options have become so popular. Long-term care facilities and nursing homes are extremely expensive and with a shortage of beds, all that does is drive the cost up.

Second, there is a shortage of qualified staff. With all the publicity about high unemployment the healthcare field can't find enough qualified staff. Nursing schools are booming. Schools that train healthcare workers are booming. There is still a shortage of qualified employees.

There is stress on these facilities and pressure to hire someone, anyone, even if they're not necessarily qualified. They take shortcuts in the hiring process that can lead to hiring employees of questionable character.

A recent study showed that 9 out of 10 healthcare facilities have one or more convicted felons. 60 percent of those places had two or more employees with a criminal record. Is that scary enough for you?

Not long ago studies were done that showed that elder abuse occurred and as many as 60 percent of all nursing homes. That kind of abuse can be anything from physical, verbal, psychological abuse, withholding of medications, credit card fraud, mistreatment and any kind of abuse you can imagine.

Texas is first state that has authorized the use of surveillance cameras in the rooms of our elders to prevent the growing problem of elder abuse.

The best two ways to prevent abuse of your parents in a nursing home is to arrange for frequent visits by friends, family, church members, neighbors or anybody go check up on the patient. The second way and maybe the most foolproof way is to install a hidden camera in the room of your parents. This way if anything unusual is happening it will be caught on a video image.

Frequently if there is anything going on it can result in a "he said, she said" situation, but if he have visual proof of what is happening it is easy to prosecute and more importantly protect your parents.

A hidden spy camera with a built-in DVR is the easiest way to get that image.

Preparing for Summer: How To Avoid Swimming Pool Accidents


According to the U.S. Centers for Disease Control and Prevention, drownings are the number one cause of injury and death for children between the ages of one and four. It is estimated that 390 children under the age of 14 are killed every year due to drowning. The number of people who have to visit the emergency room because of drowning-related injuries is over 5,000 every year. It stands to reason that the highest number of deaths and injury are during the summer months and so it is recommended that extra caution is used during May to August. Where are these injuries the most common? Up to 44% of injuries occur at the victim's home, followed by 23% of injuries occurring at a family member or friend's home.

Even though drowning can happen in lakes, rivers, and the ocean, the majority of fatalities occur at pools. If you have a small child or own a pool, or even if you will be at a pool this summer, there are some safety tips to be aware of which may help prevent an injury or even save a life. First, stay in close vicinity to the pool. It is recommended that you stay within an arm's reach of the pool so that you are able to quickly come to the aid of someone who finds themselves in difficulty. If there is a young child in the pool, watch them at all times. Even looking away for a second is enough to cause a drowning. If you own a pool, install a fence at least four feet around the pool. Also, swimming lessons and CPR lessons could be extremely beneficial.

One hazard to take into consideration regarding swimming pools is faulty drains. Although it may not seem like a serious danger, it could lead to serious injury and even death. The suction of the drain can keep an individual at the bottom of the pool. If hair, clothing, or jewelry is caught in the drain, the victim could also be trapped under the water. There have even been cases of disembowelment where the suction of the drain actually pulls out the intestines or internal organs of the victim. In order to prevent drownings or horrific injuries, you should ensure that your drain is inspected and up to safety standards.

If you were injured or lost a loved one in a swimming pool accident, no amount of compensation could make up for what you went through. However, it the accident was caused by the negligence of another individual, they should be held accountable for what they have done. If the swimming pool fell below safety standards or was not adequately fenced off, you could have a personal injury case.

Monday, April 8, 2013

ADA and Senior Living - Legislative Updates For the Workplace


The Americans with Disabilities Act (ADA) underwent substantial revisions when the ADA Amendments Act of 2008 (ADAAA) took effect on January 1, 2009. The stated purpose of the ADAAA was to redress court decisions that "created an inappropriately high level of limitation necessary to obtain coverage under the ADA." The clear upshot of the ADAAA was to substantially broaden the scope of disabilities covered under the ADA, making more individuals eligible for the provision of employer-provided reasonable accommodations.

On September 23, 2009, the Equal Employment Opportunity Commission (EEOC) issued a Notice of Proposed Rule Making (NPRM), which issued proposed revisions to the ADA regulations and accompanying interpretive guidance to bring them into compliance with the ADAAA. These regulations and guidelines will be finalized shortly. Senior living communities, which rely heavily on able staff to care for residents, should be aware of the ADAAA and NPRM developments.

Defining Disability

The revised legislation provides that, in general, the definition of "disability" should be broadened to the maximum extent permitted by the terms of the ADA. The ADA defines disability as: (1) a physical or mental impairment that substantially limits one or more major life activities; (2) a record of such an impairment; or (3) being regarded as having such an impairment. The Act maintains this definition of disability, but clarifies each prong of the definition and regards each as more expansive.

The definition of "major life activity" is expanded under the Act and NPRM. The Act rejects Supreme Court precedent holding that major life activities are limited to those of "central importance to a person's life." As explained in the NPRM, major life activities are to be construed as basic activities, including major bodily functions, that most people in the general population can perform with little or no difficulty. The Act sets forth a specific non-exhaustive list of major life activities, including caring for oneself, performing manual tasks, seeing, hearing, eating, sleeping, walking, standing, lifting, bending, speaking, breathing, learning, reading, concentrating, thinking, communicating, and working. The NPRM adds three additional major life activities not included in the text of the Act: reaching, interacting with others, and sitting.

The ADAAA also includes a non-exhaustive list of major bodily functions, including normal cell growth and regular functions of the immune, endocrine, digestive, neurological, circulatory, respiratory, and reproductive systems. The NPRM also adds special sense organs and skin, genitourinary, cardiovascular, hemic, lymphatic, and musculoskeletal functions to the list. The ADAAA makes clear that an impairment need only substantially limit one major life activity to be considered a disability.

Interpreting Key Phrases

The Act rejects the Supreme Court's holding in Toyota Motor Mfg., Kentucky Inc. v. Williams, which held that the phrase "substantially limits" should be strictly construed, and that a disability must severely restrict or prevent the individual from doing activities that are of central importance to most people's lives. The Act also rejects the regulations promulgated by the EEOC that define "substantially limits" as "significantly restricted." Specifically, the ADAAA says the EEOC's definition of "substantially limits" is "inconsistent with congressional intent, by expressing too high a standard."

In response to this, the NPRM removes the factors that are currently considered in determining whether an impairment is "substantially limiting"- specifically, the nature, severity, and duration of the impairment and the permanent or long-term impact of the condition. Instead, the NPRM proposes several rules of construction, including: The focus should be on whether discrimination occurred rather than whether the individual meets the definition of disability; the individual does not have to demonstrate the limitation is in an activity of "central importance to daily life"; and the term "substantially limits" should not require extensive analysis.

The NPRM provides that an impairment is a disability if it substantially limits an individual's ability to perform a major life activity as compared to "most people in the general population," as opposed to the prior standard, which focused on "an average person in the general population."

And finally, under the ADAAA and echoed by the NPRM, a determination of whether an individual is substantially limited in a major life activity shall be made without regard to mitigating measures. With the exception of common eyeglasses and contact lenses, the ADAAA prohibits the consideration of measures such as medication, medical supplies, equipment, prosthetic devices, hearing aids, mobility devices, and others when determining whether an employee is substantially limited in a major life activity.

Adapting New Standards

The NPRM proposes that to be substantially limited in the major life activity of working, an individual must be unable to perform a type of work, taking into account the nature of the individual's work and job-related requirements. This new standard replaces the prior standard of needing to determine whether an individual is substantially limited from working a "class" or "broad range" of jobs.

The NPRM reiterates the text of the ADAAA by providing that impairments that are episodic (e.g., epilepsy) or in remission (e.g., cancer) would constitute disabilities if they would be substantially limiting "when active."

The ADAAA says that the expansive definition of disability will be categorical for certain types of conditions-in contrast with the prior view that all impairments were subject to individualized assessments as to whether they were disabling. The ADAAA provides that certain impairments (e.g., autism, cancer, cerebral palsy, diabetes) would consistently meet the definition of disability. For specified conditions, the individualized assessment should be conducted "quickly and easily." The NPRM adds a list of impairments that may be disabling for some individuals (e.g., asthma, high blood pressure, learning disabilities). With respect to these types of conditions, the NPRM proposes that the individualized analysis should be slightly more comprehensive.

Interpreting Repercussions

The number of individuals covered under the ADA will increase as a result of the ADAAA and NPRM. Employers should expect to receive a greater number of requests for accommodations and be mindful of the new and broadened scope of the ADA's coverage. Employers should also review their guidelines for determining disability and, in a close case, contact counsel to review how the Act's expansion may impact the determination of a disability that will require reasonable accommodation.

While many state/local laws, such as in New York, New Jersey, and California, have long defined disability more broadly-thereby including many individuals who did not qualify for protection under the ADA-in certain respects, the Act's expanded "regarded as" standard may be broader than even the most employee-friendly state or local law.

Key Points for Employers

The ADA Amendments Act of 2008 (ADAAA) and accompanying Notice of Proposed Rule Making (NPRM) include exhaustive details about how disabilities are defined, and senior living providers should become familiar with all the changes affecting their business. However, here are some quick points to keep in mind. Under the ADAAA and NPRM:

o An individual satisfies the definition of disability if he establishes that he has been subjected to prohibited action based on an actual or perceived physical or mental impairment.

o An individual no longer needs to establish that the impairment substantially limits a major life activity. However, employers are not required to make reasonable accommodations in all cases.

o A "transitory and minor impairment" (i.e., an impairment with an actual or expected duration of six months or less) does not satisfy the "regarded as" prong of the definition of disability.