Saturday, September 14, 2013

Coping With Housebound Elderly Family Members


My grandma turned 85 on Monday. She's lived alone in a bungalow since my grandfather pass away twenty years ago. Around the same time she was diagnosed with Osteoporosis (a disease of bones that leads to an increased risk of fracture). Unfortunately, this has led to her having steadily decreasing mobility from walking stick, zimmer frame, to wheelchair.

She has no official carer, my aunties and mother take this in turns and as such we have all see firsthand the considerations that need to be made in order to improve her quality of life. These small changes are to be the basis of this article - a top 10 of tips for caring for your family as they become older and become house bound:

1. Remember that they are always in the house. When you aren't there sitting round the kitchen table with them as they can't get to the lounge easily, they will be. When you're out for a walk, they're sitting there at the table. When you're at work, there still there. When you're out having fun... you get the picture. As such make sure that the surroundings where they spend most of their time are as comfortable as possible (including the chair they sit on the most), the decor etc.

It's also worth considering whether they can reach everything they need to easily or whether that biscuit tin needs a new home.

2. Get outside. No matter whether you or they want to or not, take them outside. Even if it's just to the garden for fifteen minutes (weather dependent obviously). Remember that they probably won't have been outside of their home for days. I know how stir crazy I can get if I do that so it's important that they get some fresh air!

3. Entertainment. Ensure that they have enough entertainment to get them through the times when they are alone. If they are anything like my grandma, a trip to the shops isn't possible or if it is, it becomes a day trip full of drama.

In short, improve their life by making sure that they get a paper delivered daily, have adequate magazine subscriptions and an appropriate TV.

4. Technology. As people become older, they become more technologically inept so make sure that the electronics they have in their home are as simple to use as possible. They do not need the latest in home cinema if they can't work out how to turn it on. The remote controller is the most important part. It needs a simple layout and large buttons to make them easy to press!

5. Prepare for an emergency. As you won't be there all of the time there is a possibility of a fall or another type of accident. Make sure that they have a charged mobile telephone in their pocket at all times (it doesn't have to be on all of the time). This way, if they have a fall and can't move, they can still contact the outside world if necessary. Note - make sure the mobile is as simple as possible to use with the biggest buttons and make sure they understand how to use it!

6. Home improvements. As my grandma has got older and her mobility has decreased, her bungalow has had to be adapted. For instance, when she started to use a zimmer frame and couldn't bend down anymore we bought her a grabber or handy reacher so that she didn't need to move as much. When she got a wheelchair, a ramp was required to get the wheelchair over the door frame to the front and back door. This didn't cost much but meant she could get out the house again which was massive for her!

7. Be prepared to listen. To you, visiting them may not be the most exciting thing in the world but to them it is the event of the day, if not the week! As such listen to everything they have to say intently even if it is around what they had for breakfast and then what their dinner plans are. Remember that it's all they may have to talk about matter how trivial it may seem - you're there to give them some much needed social interaction amongst other things.

8. Share the visits equally if possible. It can be tiring if you are the only family member making the visits so discuss it between you, draw up a rota and stick to it!

Clearing Snow Outside Your Home Could Result in Compensation Claims For Liability Against You


In prolonged spells of snow and ice, you may be tempted to try and clear your garden paths, as well as the pavement outside your house. By doing so you think you would at least be doing your bit to help people struggling to walk through thick snow, by giving them a patch where they are less likely to encounter difficulties.

However, by performing this act of kindness you would actually be putting yourself at risk of liability compensation claims being made against you if somebody were to slip and injure themselves outside your premises.

In many parts of the world it is your responsibility and legal obligation to clear the section of pathway outside your home. In some parts of the US snowfall must be cleared from the pavement outside your home within 24 hours of the precipitation finishing, whilst in Canada this is as short as 12 hours later. If this has not been completed adequately the council can come round to your property, clear the area and then charge and fine you for their inconvenience.

Parts of Europe have similar and often even stricter rules in place. Countries that experience regular snow including Germany, Austria and Switzerland have specific policies in place that set out the exact perimeters of what need to be cleared.

In the UK this is not the case. Here your council have the responsibility of keeping highways clear of snow and ice, as stated under Section 41(1A) of the Highways Act 1980. However, in extreme conditions, such as what we are facing at the moment, it is very difficult for local authorities to get round to all areas.

Although the public are not obliged to clear the pavements outside their house, some may take it upon themselves to do so. Theoretically this does put you at risk if someone were to slip and suffer an injury, as the act of moving the snow means you have taken responsibility for it, meaning your could face a public liability claim for compensation if the injured party were to prosecute. The law that enforces this, named "tort of nuisance" can come into effect just by moving snow from one part of a pavement to another.

Moving snow and ice within your own premises is a different matter however, and you do hold the responsibility for anyone who steps within the confines of your property. This is stated in the Occupiers Liability Act 1984, which puts you under a duty of care to ensure all visitors are safe from harm. Therefore, if the postman slipped on your garden path and hurt themselves as a result, they would be entitled to make a personal injury compensation claim against you. For this reason, it is recommended that you take all reasonable steps to clear pathways, driveways and any other area that poses a risk to others within your property.

Medical Malpractice - How to Deal With It


So, you think you are a victim of medical malpractice. It has been done and what you need to do is to act the right way in order to get a just compensation for the casualty or injury incurred. What you do right after a malpractice case is important so make sure that you read this entire article about what medical malpractice is all about and what you should do in order to deal with it properly.

Before we delve into what things a victim should do, let us first know what medical malpractice is all about. Medical malpractice is one of the leading causes of death in the US. This is next to cancer and heart-related disease. This is defined using the prism of law as an act of negligence on the part of medical personnel or health care provider that resulted in the injury or casualty of a patient. Medical malpractice often involves simple misdiagnosis of cancer, dental malpractice, errors in administering drugs or anesthesia and birth injury. Nursing home abuse falls under this type of malpractice.

So, what should you do if you are victim of this form of malpractice involving medical personnel? Before you take your case to the jury, make sure that you have a lot of evidence to establish negligence on the part of the defendant which is the institution where the alleged malpractice case took place. Evidences play a hard role in this type of legal case. Take note that the more you have documented evidence, the more credible and strong your claim is before the jury.

A very important thing to do is to write down all the circumstances of the event before and after the patient is receiving medical attention. Making a journal is important. If the victim knows what he is saying and not just fabricating stories to make his claim credible, the jury will be on his side.

To give you a good example of documentation, the victim or his relative should take note of specific deviations from what is accepted as medical standard. For instance, take note if the nurse or physician forgets to administer drugs to the patient. Wrong dose of medication should also be noted.

These are just few examples how to deal with medical malpractice. If you think you have a valid claim for personal injury compensation, hiring an experience personal injury lawyer is very important.

Finding the Best Senior Care for an Elderly Parent


These days, an increasing number of folks are dealing with the dilemma of how to find the best senior care for an elderly parent. With Baby Boomers retiring, the need to find a good elder care solution is more pressing than ever before. When it comes to choosing senior care, most families consider three different choices; a nursing home, a family caregiver, an in home care agency. Let's take a closer look at each option.

Nursing Homes

For the past half century or so, nursing homes have been the choice for many families that have an elderly parent requiring care. It is a well-known option, and one that most people are well aware of. However, nursing homes have several drawbacks. For one thing, they can get very expensive in a hurry. Because the patient is living there and receiving care 24/7, the bills accumulate quickly. Unless the family purchased long-term care insurance several years ahead of time, a nursing home bill can eat up all the assets of not only the elderly parent, but in some states the family as well.

The other major challenge with nursing homes is the quality of life issue. When a person is asked to leave all their familiar surroundings and move into a strange place where they don't know anybody, there is bound to be problems right off the bat. Add to that the impersonal care received at many of these places, and often the lack of frequency of visits from loved ones, and you have a potential for a much lower quality of living than if the parent had just stayed at home.

Family Caregivers

Another senior care option that some families are able to avail of is having a family caregiver for their elderly parent. This option is great if you have a qualified person in the family that has the available time to provide the care needed. It is certainly the least expensive option, and it allows the parent to stay at home or in some cases it may be necessary to move in with the family caregiver. Either way, they are in a much better atmosphere than a nursing home or some other kind of medical facility. Aside from the fact that it is often difficult to find an available family member, there is another common issue with this option; stress and tension. It can be quite stressful for a family member to care for an elderly parent, and it can put a lot of undue tension on the relationship.

In Home Care

In home senior care has been an increasingly popular option in recent years. A caregiver from a licensed agency is assigned to care for the elderly parent in the comfort of their own home. This allows the client to stay where they are most comfortable and receive the same or better quality of care they would get in an institution. It also relieves a family caregiver of the burden of having to take care of the parent as they age. The one drawback to in home care is it can be considerably more costly than providing care on your own, but in general it is still far more affordable than a nursing home.

Continuing Care Retirement Communities Tips


Retirees who are seeking a living environment that is secure, comfortable, and attractive, that will continue to meet their needs as they grow older, are finding more and more options available to them. Very popular are continuing care retirement communities (CCRCs), which are becoming more common throughout the United States and in some countries overseas.

CCRCs are self-contained communities that offer a range of living options, from houses and townhouses in which seniors live completely independently, to areas providing assisted living and yet other areas providing skilled nursing care. Typically, a senior moving into a CCRC must be in reasonably good health, and is expected, at first, to live independently. As the resident's needs change over the years, he or she would then move to other areas of the CCRC that offer more care as necessary. Because these services are all typically included in the original contract, the senior or family members are not faced with sudden decisions during a health emergency; the CCRC will make adjustments to the resident's living situation and automatically provide the needed care. And because the costs are all agreed to beforehand, there are no sudden financial crises either.

CCRCs are generally designed as campus-like environments, with a community center and various other amenities on-site, such as exercise equipment, hair salons, cafeterias, and hobby shops. Most routinely arrange programs and group activities, encouraging a sense of community. And most offer transportation to events and facilities in the surrounding community: concerts, sporting events, shopping, and more. There is no obligation on the part of residents to participate in any of these activities, but the option is always there.

On moving into a CCRC, there is always a contract that outlines payment terms and services offered. Usually, a new resident must pay an entrance fee in a lump sum, which guarantees lifetime housing and specified services, plus ongoing monthly payments. In some CCRCs, the resident may actually purchase a condominium or cooperative unit via an equity agreement; there are still monthly fees involved, and the fee structure may change should the resident need to move from the condo into an assisted living facility. And some contracts are fee-for-service only.

These fees can vary considerably. Entrance fees can start as low as $20,000 for rental units, while buy-in fees can cost $500,000 or more. Monthly fees can range from $500 to $3,000, depending on the contract. Medicare and Medicaid will cover some nursing and medical care at certified facilities, as will any private insurance or long-term care insurance that you already have. Be sure to discuss all of these options when you are considering a CCRC; the sales staff can help you sort through your payment options, and may require that you enroll in Medicare, or apply for Medicaid in the event that you run through your own resources.

Many CCRCs seek accreditation through the Continuing Care Accreditation Commission (CARF), an independent organization that is internationally recognized. CARF encourages health and human services facilities to improve their standards; CARF accreditation is not a one-time "seal of approval," but an ongoing process. CARF establishes long-term relations with the facilities that it approves, and CCRCs that have been thus accredited are generally more reliable, and maintain higher standards, than those that have not.

Assisted Living Helps Establish Healthy Sleep Patterns


Everyone knows that sleeping is important for feeling healthy and boosting your immune system. The old adage says that you should try and get eight hours of sleep per night, but this isn't necessarily the case for everyone. Eight hours is just an average time, you might require more or less, depending on how your brain is hardwired. Some people can even get by on as few as five hours per night. For senior citizens, getting enough sleep is especially important because of the effects that it can have upon their health. Seniors will naturally see the strength of their immune system decline as they get older-sleep can help to recharge this part of your health. If you are already struggling to stay health, consistent and beneficial sleep is going to be very important towards maintaining a good level of health.

In an assisted living facility, sleep can become a bit easier to get. There are fewer stressors when you live in a facility and this can make falling asleep a whole lot simpler. In addition to this, there are other things you can do to maximize your sleep time. Creating healthy habits is going to be extremely important here. For example, even if you are prone to waking up early or tossing and turning, keeping yourself on the same bedtime schedule each night will be helpful. For example, if you are trying to compensate for a bad night's sleep by going to be earlier than normal, you might be putting undue stress on yourself. Going to bed to early might actually lead to more tossing in bed and you face the possibility of staying awake even longer than you would if you went to bed at your normal time.

Another habit to get into is to not exercise too late in the afternoon or evening. Working out might exhaust you muscularly, but exercise revitalizes the brain. If you exercise later in the day, your brain might be wired when it comes time for bed-thus making you stay up later than what is healthy. Experts recommend that you do not exercise within the four hours prior to bedtime. Exercise is important, but you want to get it in a healthy fashion, not one that will be detrimental to other aspects of your health.

Finally, you want to limit your alcohol intake. A glass of wine might make you feel sleepy, but you do not want to overdo it. If you want to drink (as long as it's in moderation), have a glass of wine with your dinner, rather than right before bed. Alcohol can interrupt our healthy sleep cycles, so you want to make sure that you are indulging yourself in a positive fashion.

Assisted living can play a big role in your sleep patterns. The structure that this service provides to senior citizens can improve your sleep patterns and this has the potential to improve your health. If you are looking for extra help, this is definitely something that you should take into account.

Friday, September 13, 2013

How Long For A Medical Negligence Claim To Settle?


Clinical negligence, also known as medical negligence compensation is when a patient has suffered pain, injury or discomfort as a direct result of a medical professional's mistake. They can take a long time to complete, often up to a few years. This is largely down to a number of medical and legal protocols.

Your claim could be against an NHS organisation, a private clinic, a GP or surgeon. Examples include incorrect treatment, an error during surgery or a failure to diagnose a condition.

Cases vary in complexity and therefore length of time; the more involved a case is then the more time-consuming it will be. The dependency on third parties, like medical experts, also plays a large part in adding extra time to a case.

First things first

To ensure your claim is as swift as possible, it may be an idea to make a complaint, your lawyer may be able to help you with it.

The below timeline outlines the necessary stages that personal injury lawyers have to take you through to ensure your claim is dealt with properly. Its purpose is to demonstrate the reasons for the length of time of a medical negligence claim. Use it as a rule of thumb as cases can vary significantly.

Background

First and foremost it must be established that the medical practitioner or medical body is to blame for your pain/injury or suffering. You will need to have an in-depth discussion with your personal injury lawyer where you will discuss the validity of the claim. Details of the injury/pain sustained and how it was the fault of a third party will be fully examined and considered by your specialist medical negligence lawyer.

Funding

There are several ways in which your claim can be funded. Your lawyer can discuss these options with you. One option may be working on a no-win, no-fee basis with your solicitors.

Evidence

Once your case has been taken on by a personal injury lawyer the following must be carried out:

Medical records - these sometimes hefty documents, will need to obtained from your GP or hospital. Due to the Data Protection Act, these can be sent up to 40 days following a request.

Medical expert - your solicitor will get in touch with a medical expert and supply him with your statement and the medical records. Using this evidence, the expert will then write a report which will decide whether or not and to what extent medical negligence has occurred. It is important that medical experts have up to date clinical knowledge and will often be working within the NHS. They may be heavily sought after for their opinion by others and therefore their reports may take some time to complete.

Further examination

On completion of the report by the medical expert, his/her findings will be discussed with you.

Once a report on whether there has been a breach of duty has been carried out it is normally necessary to get a second report from an expert to show the breach of duty has caused you some injury, only after reports are obtained both in relation to breach and what is called causation - a report linking the breach to the cause of the injury, will a report on quantum or ('how much') be obtained. Details of your income will have to be provided and further exploration into your injuries will need to be done.

Your solicitor will send a formal letter to the defendant explaining the claim made against them. Their reply will state whether or not they accept blame and the defendant has 4 months within which to return a response to the claim. Often cases are vehemently fought by defendants.

If your claim is defended by the medical body or professional then your solicitor may be able to take your claim of negligence to court, depending on the evidence. This in itself can be time consuming (it's possible it may take years) as several expert witnesses with demanding schedules will need to be brought together.

Your medical condition

The medical condition of the claimant is often instrumental in the time it takes for a claim to progress. For example, some complex conditions are reliant on the availabilty of specialist surgeons to carry out important operations which will then allow patients to recover and their condition stabilise.

Stable medical conditions are required to assess a case fairly. A medical report confirming the exact condition of the patient is usually not given until a condition is 'stable' or has reached a point whereby there is likely to be no improvement. You have up to 3 years to make your medical negligence claim starting from the time you received the poor quality treatment. It is possible to legally protect the claim if your situation has still not stabilised after 3 years. Your solicitor will advise you on this process.

Settlement

A final compensation amount can be awarded following either negotiations between your solicitor and the defendant or when a Court rules in your favour and awards you compensation after a hearing.

Your medical negligence claim

Do not be put off by the length of time your claim may take, many people succeed in medical negligence claims. If you do think that you have a claim then you should contact a personal injury lawyer or medical negligence claims solicitors.

Information Technology Career Preparation Training Options


When looking to obtain a higher education in information technology there are many options available. You can pursue a career that meets you individual goals by choosing from a variety of specialized areas of study. Training can be completed at different levels to allow you to receive the educational career preparation that is right for you. Enrollment in an accredited school or college will help you to obtain the higher education that is necessary for you to pursue a career in information technology. With numerous opportunities available, you can start by learning more information technology career preparation training options.

Professionals in this field are trained to carry out a number of tasks based on the career that they have chosen. You can learn to work with various computer systems for a number of reasons. Training will allow you to pursue the degree and career that meets your individual needs and goals. You can look into:


  • Associate

  • Bachelor

  • Master

  • Doctoral

...degree training programs in information technology. Studies can last anywhere from two to eight years depending on the level of education needed to enter into the career you desire. Accredited career preparation can give you the skills and knowledge to enter into a variety of careers.

There are numerous professions available in information technology. You can select the level of education that allows you to enter the career of your dreams. You can specialize in areas such as:


  • Computer Information Science

  • Information Security

  • Computer Information Systems

  • Information Systems

...and more. Accredited higher education training in these areas will cover a variety of topics to help you gain the skills you need to enter into a successful career. The area of specialty will decide the courses that must be studied.

Coursework will be different for each level of degree and the area of study that is selected. You can obtain the accredited education that will help you succeed by completing training in web development, databases, systems analysis, hardware components, and computer software. You can also complete computer security training, as well as telecommunications, user interface design, application testing, and many other subjects related to the career and specialized area you wish to enter. There are a variety of professions that can be pursued once an accredited higher education is obtained in information technology. Possible career opportunities can include working as a:


  • Software Developer

  • Support Specialist

  • Systems Analyst

  • LAN Administrator

  • Computer Programmer

  • Certified Information Systems Security Professional (CISSP)

...and other related professions. Obtain the accredited educational training you need to pursue the career of your dreams by enrolling in an information technology school or college today.

Full accredited programs offer you the best quality education available. You can ensure this by making sure the program you choose carries full accreditation from an agency like the Accrediting Commission of Career Schools and Colleges of Technology ( http://www.accsc.org/ ). Start by researching information technology schools and colleges to find the one that's right for you and enrolling in the degree program that meets your individual needs and goals.

DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.

Copyright 2010 - All rights reserved by PETAP.org.

Effects of Sexual Abuse


Over the past years, sexual crime against children has become a subject of great community concern. Although it can be extremely difficult to talk about, and even harder to admit, the exploitation of children of all ages including infants happens every day. This is a fact evidenced by public declarations from adult survivors, increased media coverage, and the expanding body of literature on sexual abuse. In 2005 according to the National Child Abuse and Neglect Data System, it is estimated that 9.3 percent of confirmed child abuse and neglect cases involved sexual abuse. This figure translates into 83,800 sexually abused victims in 2005.

Sex crimes against children can be divided up into three categories:

Sexual exploitation

Non-touching sexual offenses

Touching sexual offenses

Sexual exploitation of children can include engaging a child in prostitution, or soliciting a child for the purposes of prostitution. Other methods of sexual exploitation include using a child to model pornography, whether it is live, or to be filmed, or photographed. Non-touching sexual offenses are actions of sexual abuse that do not involve contact with the victim. Examples of these offenses are engaging in indecent exposure, exposing a child to any pornographic material, visual or audible, deliberately exposing a child to the acts of sexual intercourse and/or exposing a child to the act of masturbation. Touching sexual offenses are, for the most part, self-explanatory. These kinds of offenses include any form of physical sexual contact between an adult and a child.

While the obvious physical effects of sexual abuse are horrific and in some cases deadly, the psychological and mental effects are detrimental and can be very long lasting, even crippling. Because of the trauma induced by this kind of abuse, there are several ways that a person can be psychologically harmed. These effects include anxiety, depression, post-traumatic stress disorder, and can range to substance abuse, animal cruelty, and even suicide. These are just a few examples, and the severity of any psychological harm, statistically, is increased if the sexual abuser is a relative.

Psychological disorders grow and change as the victim becomes older, the effects of abuse extend far beyond childhood. Abusing a child sexually robs them of their childhood, therefore creating a lack of trust, some feelings of guilt, and even self-abusive behavior. One of the most common effects of child abuse is promiscuity in later years, and sexualized behavior. These are not inherent attributes in a child and can be used as clues to indicate the sexual abuse of the child.

A child's innocence is a precious thing, and must be protected. Unfortunately this is not always a task that can be accomplished, according to statistics, child abuse does happen very frequently. Anyone who violates a child sexually must be punished for their crimes. While there is no amount of money that can buy back a child's innocence or trust, there is still the monetary compensation that can, and should be obtained for damages incurred.

Nursing Home Abuse - What You Must Know


The elderly are in a vulnerable position, especially if they are living in a nursing home. They rely upon others to help them with daily activities and many require medical care that is vital to their survival. Care workers are screened before they work in a home, but even the most precise screening cannot always detect someone who may be abusive towards residents. That is why keeping an eye out is the best way to stop abuse.

Types of Abuse

Nursing home abuse can take many forms. It can be abuse that is easily detected in the physical, it may be emotional or it can be financial. Some types of abuse may not be completely noticeable, but when you are properly informed about abuse you should be able to notice the signs of any type of abuse.

Physical abuse is the easiest type of abuse to recognize. It is apparent in physical signs like bruises or other injuries that are unexplained or abnormal for the resident. Physical abuse may also include the inappropriate use of drugs, which could present itself as odd behavior or more frequent and unusual complaints about pain.

Emotional abuse may be more difficult to recognize immediately. However, it is easily caught when workers are carefully monitored. Emotional abuse can include yelling at residents or talking to them in a disrespectful nature. It can also include ignoring the resident or keeping them from interacting with others.

Sexual abuse of elderly persons may also occur. It is any sexual contact with a person without their consent. It can also include showing pornographic materials to elders without their consent or making them watch sexual acts.

Neglectful behavior also constitutes abuse. Neglect involves not caring for the resident in the proper way. It can include things like not bathing the resident properly or not feeding them properly. In general, neglect is when the resident is not receiving the proper level of care and their needs are not being met.

A common form of abuse is financial exploitation. In some homes residents' personal property is stolen or their finances mishandled. Stealing anything from a resident is considered a form of abuse.

Reporting Nursing Home Abuse

Any suspicion of abuse should be reported right away. If you are the relative of a resident and suspect abuse you should immediately contact the home management and demand to speak to someone about your suspicions. If the nursing home management does not seem to want to handle the situation then you should get your relative out of the nursing home and report the home to the proper authorities.

Never let nursing home abuse go unhandled. At the first signs of any type of abuse steps must be taken. The elderly cannot always care for themselves or keep themselves safe. They may have physical or mental problems that prevent them from defending themselves. It is up to those of us in a care giving position to ensure that they are properly cared for and not subjected to abuse.

Considering Senior Care Options? The Need for Companionship Is an Important Factor


Cost and convenience are at the top of the list for the majority families, but another important consideration in our senior care decisions is the quality of life our loved ones will enjoy.

Studies indicate that elderly people whose families place them in nursing homes or hospitals during their twilight years will see their health deteriorate far more quickly than those who choose in home care or some other kind of assisted living option. The primary reason for this is lower quality of life. More specifically, many aging people feel lonely and sometimes totally abandoned when placed in nursing homes or large hospitals. This lack of companionship and feeling of being left unaccompanied places undue stress on our seniors and increases their health problems.

When choosing the best elder care option for our aging loved ones - the same people who raised us, sacrificed for us, and gave us their best - we need to think about their need for companionship and do the best we possibly can to make sure they are comfortable and well cared for in their sunset years. The issue is we all have busy schedules and we're not always available to be with them every day. This is where an in home care assisted living option can be most beneficial.

The choice of in home senior care has several benefits over the other conventional senior care options. The cost savings can be substantial, especially when you consider that nursing home fees can cause your family's assets to quickly evaporate and cause the state to end up owning your loved ones' house and other property. You also can't beat the convenience of in home care for seniors-allowing them to stay in the house they are comfortable with. But perhaps the top benefit is the personalized senior care provided by the in home elder care organization.

When you choose a reputable in home care assisted living agency, you will normally have a registered nurse assigned to the treatment of your aging loved ones. This nurse will visit them as often as necessary (they can usually customize the home visitation plans based on your specific needs) and provide companionship to your valued aging family members.

The quality of the in home elder care is at least as good as what you will find in any nursing home or hospital, because it is administered by licensed registered nurses. But along with the quality is the personal touch of having a caring health professional visiting with your loved ones on a daily basis. Providing your aging family members with much needed companionship lift their spirits and greatly increase their quality of life. It will also provide relief to busy family members who have a hard time visiting with their aging loved ones on a daily basis.

So when considering the all important senior care options for our elderly family members, we must remember that they need companionship on a daily basis, otherwise they may start to feel abandoned. Having a personal RN assigned to your loved one to provide quality assisted living care and be their companion is an affordable and convenient elder care option everyone can live with.

Assisted Living Versus Nursing Home Care


How do you know if you or your loved-one need assisted living?

Assisted living facilities are meant for those people that need some assistance with everyday needs like dressing, eating, bathing, laundry, house cleaning and medication management. These facilities can range from:


  • Private homes with 6 to 8 residents

  • Medium size facilities of around 55 residents

  • Large facilities with as many as 400 residents

Your choice has to do with personal preference for atmosphere and level of activities wanted.

A small assisted living home offers certain advantages like more familiarity. With only a few residents in the home, only a minimal staff is required, so it is easier to develop a more intimate relationship with the care providers. Also the atmosphere is more like home where residents will eat together in the family kitchen or dining room just like they would at home; or they sit and watch televisions together in the living room. This tends to create more of a family-type impression. After all, it is a house so it feels more like being in your own home.

On the other hand, there are many advantages to a larger facility because you can have your own private apartment plus they tend to have a lot of activities and special amenities. You can find assisted living facilities with swimming pools, workout rooms, class rooms, movie theaters, spas, arranged outings and individual dining rooms where you can order off a menu. Depending upon your budget and the area where you want to live, you can have almost any lifestyle you want.

Assisted living facilities can be for those that need just a little care or someone that needs a lot. You or your loved-one will be assessed at the time of admission and once living in a facility, will then be closely monitored for any health issues. Care is then adjusted based on needs.

How do you know if you need a nursing home?

Consider a nursing home if you or your-loved one needs constant, round-the-clock medical care from skilled medical staff. This can include being bedridden for such things as infections, IV therapy and more. For end of life and Hospice care, you do not necessarily need to be in a nursing home; some assisted living facilities also offer these services.

With any assisted living or nursing home, there can be an array of things to consider. Do not be afraid to get help sorting through all your options. You will have peace of mind knowing you made a well informed decisions.

San Jose Assisted Living


Who doesn't want to enjoy life, enjoy the weather, and experience great things? Nobody. Senior citizens have discovered the joys of living in San Jose, CA because of everything that it offers to people and what it brings to the retirement community specifically. The city has an enormous range of cultural and social activities to keep everybody interested and entertained. It also has beautiful neighborhoods that are stunning and breathtaking. Daily, senior citizens enjoy strolling or touring these majestic neighborhoods. It is not uncommon for people to develop some health concerns as they age either, and San Jose has really made sure that it has a medical community that excels at senior citizens' needs. In addition to great medical care, the city offers some of the most beautiful, accommodating, and desirable senior living facilities available in the United States. If you are in your golden years and looking for something exciting, make sure you check out San Jose.

Cultural And Social Scene

The City of San Jose brings a lot of flair and culture to it. The theatres and museums there are absolutely amazing to view and most people find they never get sick of them. The exhibits, plays, and variety are ever changing. When people think of the Cultural aspect of the city, they often have fond reflections of quality museums like the Rosicrucian Egyptian Museum, Children's Discovery Museum, and the Museum of Quilts and Textiles. The San Jose California Theatre and Repertoire Theatre are beautiful, attractive theatres in the city that have amazing performances for people to enjoy. If sports are something you enjoy take time to experience an amazing college basketball game at SJ State University. Their men's and women's teams are both excellent. People of all ages enjoy having season tickets to that venue. There is also a large soccer following and specialty sporting events. Sporting venues love San Jose due to the climate and enthusiastic sports community.

Whether your cultural and social preferences are music, plays, sports, or museums you will find something you love in San Jose. It is a community that embraces all of those things. In return, people embrace San Jose for providing them at such a high level.

Beautiful Neighborhoods

San Jose has a wonderful, unique blend of homes in its neighborhoods. Many of the best are located along the shoreline. The views of these beautiful, exotic homes are second to none. Just imagine the most brilliant sunset or discovering so many shades of green. It is spectacular and the city lets everyone experience that through tours and strolling friendly neighborhoods.
The most fun ways that have been discovered to tour neighborhoods are:
• Prestige Limousine Tours
• Tour San Francisco Bay
• Just strolling yourself and discovering
• Bicycling
• Viewing neighborhoods from the ocean side

The neighborhoods that are around Fifth and Jackson have long been claimed to show the best that the city has to offer. Make sure you check those out. With all the housing around there they are a popular strolling spot for senior citizens year round.

Medical Facilities

Some of the most elite, prestigious medical facilities in the United States can be found in the city. The area really attracts high quality health care and has long been a leader in proactive, professional medical needs. A few of the most highly recommended facilities by consumers are:
• Regional Medical Center of San Jose
• Good Samaritan Hospital
• Santa Clara Valley Medical Center
• Santa Clara County Medical Center for low income

These are the major facilities that are renowned for taking exceptional care of their clients. There are also countless hundreds of professionals in various fields that are available to help people with all medical concerns they may have. The local community embraces people of all ages and strives to have the best in health care options for them.

Assisted Living Facilities

The assisted living facility concept has been around for some time. In the most recent decade it has really gone to a new level. Businesses and organizations that work with assisted living for senior citizens know that the people they serve are vibrant and lovely. People in assisted living still have a lot of life to live even though they need a little help on a daily basis. The region has some remarkable assisted living communities. A few of the most highly acclaimed are Ponte Palmero, Vintage Silver Creek, and Belmont Village. Each one is devoted to the purpose of serving senior citizens and helping their lives be better.

San Jose, CA is a wonderful place to experience life in your senior years. Whether you are interested in fresh air, arts and culture, sporting events or everything you will find it there. Medical concerns and consideration are always important factors when choosing a place to live as well. There is nothing but praise for the local medical community and the assisted living facilities that it provides. If you are considering doing something different or finding a new place to enjoy your senior years, make sure you check out San Jose, CA. The wide variety of everything that the city offers is absolutely spectacular and there truly is something for everybody. San Jose is a sensational city for senior citizens.

Thursday, September 12, 2013

Things to Check When Looking for Senior Home Care or In Home Care Providers


The coming of age of baby boomers has drawn more attention to home-based senior care services. For many it is the difference between remaining in the comfort of their homes and having to relocate to a senior care facility. These days, senior home care services bring health care and assisted living services to millions of individuals suffering from mobility issues, chronic medical conditions, physical disabilities, terminal illnesses, and dementia in a variety of forms.

Inviting an elder care or senior care worker into a loved one's home is a major step and should be considered in depth. Ensuring that your loved one is treated with kindness and respect is only the beginning; however, finding just the right care provider requires patience and an idea of what you are looking for in a provider. Here are some guidelines that should be considered when selecting a senior and elder care services.

Proper Licensing

It is important to be sure that and senior care service is licensed properly. Each state has particular regulations in place to monitor home health care agencies; current licensing of a senior care service means that the agency has passed all associated inspections, is adhering to necessary regulations, and is meeting with all state and federal guidelines required. A list of senior and elder care services can be obtained through your state's Department of Health.

Accurate Servicing

It is important to ensure that the senior care service you select can meet all of your needs so that you do not have to rely on multiple services or become frustrated about a lack of service. Although most home healthcare providers give potential clients a list of available services, not all senior and elder care providers are the same. It is important to be detailed in the type of service you require when interviewing prospective service providers; if they do not outright state a service that you need, s simple question or request for accommodation may be all that is needed.

Hours

Be sure to clarify the service hours that are available. Some individuals may need overnight care which requires a senior or elder care service that operates on a 24/7 basis. Also, check to see if your necessary schedule would be performed by a single person or several people over the course of shifts.

Emergency Policy

Emergencies and accident happen; when they do you want to be sure to immediate care given. People need to feel comfortable that their senior care service along with the individuals involved act quickly, responsibly, and calmly. A competent elder and senior care provider will have policies and procedures in place in the event of an emergency. You can request a copy of these procedures at any time from service providers.

Care Plan

When searching for a senior care provider, look for one that has an active interest in what their patient and families are saying. A senior care service that interacts with their clients and values their input can help craft a care plan that will best suit all involved. The plan should detail the client's treatment, the administration of the treatment, what service will be provides, how those services will be delivered, and how often the care plan should be re-evaluated.

Method of Payment

The method of payment for senior and elder care services is an important consideration when selecting your provider. Most home health care providers accept Medicaid, Medicare, private insurance, group insurance, military benefits, and workers compensation; however, should a loved one not be covered by any of these, arrangements for private payment will need to be made.

Do Your Research

By all means, do your research. Once you have gathered a list of potential providers pull as much information about them as you can. Local agencies, word-of-mouth, and state agencies will all have information regarding regulation violations, complaints, and other favorable and unfavorable intel. Background checks can also be performed on agencies through a variety of services, usually for a nominal fee.

What Should You Expect With Resident Home Care?


What do you think of when you hear the words "Resident Home Care?" Do you get the picture of a sterile, hospital like environment where elderly people are cared for on the way to their final destination in life? Or, do you take the more modern vision of assisted living to be a friendly home-like environment? When folks can no longer safely care for themselves at their own homes and choose to live among new companions their own age in order to experience a new phase of life they turn to a residential care home.

Resident home care is becoming more of a positive choice because of the smaller, independent facilities that have arisen. This is a direct result of an aging population that is still somewhat active, yet just needs a little extra care as they navigate their way into their 60's, 70's, 80's and beyond.

We are living longer, thanks to many medical advances. However, the quality of our physical health varies as we age. The primary responsibility of a resident home care system is to provide a safe place for elderly residents. Trained staff is readily available 24 hours a day to assist with daily tasks that may have become difficult such as bathing, cooking, cleaning, personal care, and proper dispensing of medications.

The best residential homes see it as their privilege and duty to monitor their resident's health stages, taking note of any changes that need to be addressed with the family and the resident's medical team. While direct medical care is not a factor of resident home care there is assistance provided to get residents to their medical appointments as well as work with medical staff should extra care and end of life hospice services be required.

While meeting the quality life needs of their residents, resident home care systems encourage activities that promote independence and support involvement in the larger community. This can be through field trips to local community centers, shopping, or in house activities. By providing access to such activities the residential care facility becomes more than a waiting room. The home truly becomes a new type of home for the residents.

Making the decision to find the best resident home care for you or somebody you love can be a difficult one. However, many people get the opportunity to see the transition as something very positive once they start interviewing and touring the options for residential home care that exist. Gone are the days when your choices are limited. Gone are the days when you have to feel as if you are dumping off your loved one in a foreign environment. Many homes are very welcoming and take great pride in providing a new home for the people you love.

Some Advantages of an Adult Day Care Facility


Adult Day cares are on the rise and they are a very good thing to have in our Community, most Communities favor these facilities because not only it provides needed service to the Elderly but they also provide employment for the Community.

It has been documented that there are more Elderly People in our Society today than ever before, a lot of them live alone and is not in the best of health. Adult Day Care can be ideal for those who live alone but are not ready for Nursing Home placement. They could attend one and receive at least two full nutritious meals and a snack. They could interact with other People of their age, this stimulates the mind, and help to keep it focus. Daily activities are provided to keep their limbs loose and their mind alert. Nursing service is provided to assist with their medication ensuring it is taken properly. Social service is also provided; they will keep up with their needs such as Doctor Visits. Inspirational time is also available if the desire to attend.

In order for a Facility to be paid by Medicaid, their Client would have to be there for at least four hours but normal working hours are eight hours.

Most Adult Day Care Facilities provides transportation for their Clients to and from the Facility. If someone would need to go the Doctor, the Facility will provide the transportation for him or contact another service that specializes in transportation.

These Facilities offers employment to others such as a Director, License Nurse, Nurse Assistants, Cook, Housekeeper, Office Manager, Activity Director, and a Driver. These employees should be on hand at all times. A Social Worker is not needed everyday so that Person can work by contract.

This type of service can provide release for a Caregiver, they would have down time when the Client is at the Center but will need to be home when the Client returns.

Doctors favor these Centers and will recommend their Patients to receive care from it.

These Centers are really an asset; they help our Elders to live a more productive life. Most of them enjoy being at these Center because it gives them a chance to do things other than just sitting around the house.

Student Loan Forgiveness for Nurses


Every list that rates the fastest growing job opportunity industries rate the healthcare field as number one. Nursing jobs rank high on the healthcare jobs that will experience growth in the next few years. Nursing is a rewarding field of work, and the shortage of qualified nurses almost guarantees job security.

Education for Nurses

Most nurses must have a bachelor's degree in nursing to qualify for the top nursing jobs. In tough economic times, many potential nursing students may hesitate to incur the debt of a four year degree. But, there are opportunities to obtain the nursing degree, work in an industry with high job satisfaction, and have portions of the loan forgiven. Even nurses already working might qualify for a student loan forgiveness program.

Student Loan Forgiveness for Nurses Programs

The College Cost Reduction and Access Act of 2007 makes it possible for nurses working full-time in public service jobs to qualify for forgiveness of their eligible student loans. The nurse must have already made 120 monthly payments on their loan while they are employed. After those 120 payments have been made, the nurses working in public service jobs will have the remaining amount of the loan forgiven and will not be responsible for repayment.

Types of Loans Eligible for Forgiveness Programs

Any loan that has not entered into default would be considered eligible for loan forgiveness. These types of loans include:

  • Federal Direct Stafford/Ford Loans

  • Federal Direct Unsubsidized Stafford/Ford Loans

  • Federal Direct PLUS Loans - for parents and graduate students

Other types of loans may also qualify under the student loan forgiveness program if they are consolidated into a Direct Consolidation Loan. One caveat is that any payments that were made before the consolidation will not count towards the 120 month payments that must be made before the loan is forgiven.

Nurse Eligibility

A registered nurse will be considered eligible if they have completed their training and received a nursing diploma, associate's degree, bachelor's degree or graduate degree and is licensed in their state of employment. The degree must be conferred from an accredited school in the United States.

Eligible nurses must be employed full-time, working at least 32 hours per week at either a non-profit facility or as a faculty member of a school of nursing. The nurse has to be a United States citizen or a National and Lawful Permanent Resident.

Non-profit facilities that are considered include:

  • Hospitals

  • Federally Qualified Health Centers, Indian Health Centers, Rural Health Clinics, Native Hawaiian Health Centers

  • Nursing Homes

  • Hospice Programs

  • Home Health Agencies

  • Skilled Nursing Facilities

  • Ambulatory Surgical Centers

  • State or Local Public Health or Human Services Departments

Potential Nursing Students

If you want to embark on a career of helping people but are uncertain about the high cost of education, entering a nursing school and giving back two years to work in a qualified medical facility might be right for you. Through the Student Loan Forgiveness for Nurses Program a substantial portion of your loan would not have to be repaid. Plus, you would be helping vulnerable populations in need of care.

Mattress Pads and Incontinence Sheet Sets - Caring For Aged Parents


Incontinence mattress pads and sheet sets are indispensable to most elderly people. As people age, it is inevitable that their bodies will bit by bit subvert and degenerate in many ways, making them more and more susceptible to physical maladies that can affect every organ in their body. There is no escape with the distressful pragmatism of aging. An elderly must try to come to terms with this reality.

While it is true that children owe not any legal obligation to care for old and disabled parents, as Asians it has long been the norm for us to adapt and nurse the aged parents in our homes as far as possible. Filial piety is an important factor in caring for the aged in our traditional Asian Society.

Welfare homes and their environment are not places conducive to the accommodation of aged parents. Placing a parent in an Old Folks Home is a sensitive issue. It can provoke guilt of ingratitude and could mean abandonment. Sometimes children seldom or rarely visit their parents after they have been placed in welfare homes. There have been numerous cases in which old people have been neglected by their children or relatives.

Although somewhat expensive, a nursing home offers the most satisfactory alternative. Long term institutionalization is essential for appropriate care of a debilitated elderly. It may be a painful issue but everyone must understand that there is no better choice.

Can nursing homes help the elderly? Some doctors prefer to call it "God's Waiting Room." People say that on the whole most qualified nursing homes are pleasant. The problem is the limited number of nurses. After the elderly are cleaned, fed and given medication, there is very little exercise. It is the visit of the family that can make the elderly the happiest.

It is not an easy job to care for aged persons particularly if they are incontinent. Statistics show that twenty percent of Americans over 65 years of age are incontinent. Urinary incontinence is unintentional loss of urine that is sufficient enough in frequency and amount to cause physical and/or emotional distress in the person experiencing it.

Hospitals and nursing homes are the major consumers of mattress pads and bed sheets designed for incontinence. The mattress pads used have plastic backing that protects the mattress from fluid. Large rubber bedsheets are often used as mattress toppers. The disadvantage of this type is the moisture simply transfers back to the other bed sheets causing in all blankets and bedclothes being saturated causing nighttime waking. A bedfast elderly cannot just come up with this mess alone at the middle of the night.

The aspect of caring for the aged parents requires collective responsibility. It will instill respect for the elderly as there is no better institution to care for the aged parents other than the family itself.

Wednesday, September 11, 2013

Watch For The Signs Of Nursing Home Abuse


If your loved one is confined to a nursing home facility, take time out to be concerned about possible nursing home abuse. Many families don't think about things like this--they just assume that their relative is being given the proper treatment and are being closely monitored by staff. Nursing homes, in fact, are usually understaffed and the employees are overworked and stressed out--a breeding ground for abuse toward the helpless patient. The first type of abuse I will mention is physical abuse--this includes assault and battery (sexually also) conducted by a staff member who may have a mental problem or emotional problem. The problem is being taken out on the patient. Physical abuse can also include unreasonable or unauthorized restraining or a patient being made to stay in a certain confined area. Also it could include not feeding the patient or medicating the patient properly. Look also for the surfacing of injuries that cannot adequately be explained by anyone and also investigate any reports of nursing home abuse directly from the patient.

Now, physical abuse is not the only way your loved ones can be abused in a nursing home. Verbal abuse can also be devastating and harmful to a nursing home patient's condition. Notice the actions of your relative when you visit him or her in the nursing home. If an outgoing person becomes suddenly and noticeably withdrawn and quiet--something may be wrong on the part of the staff conduct. The patient may appear to be unusually upset and seem frightened of people. You may also notice that a patient has recently started to behave nervously---such as rocking back and forth, biting the nails, wrenching the hands and shaking. Or the patient may suddenly and curiously ask to be away from the crowd and left alone in their room. Sometimes a once loving and caring relative will suddenly turn mean and vicious toward their family--this may also be a sign of verbal nursing home abuse.

Neglect is also a form of abusive behavior by the staff of a nursing home. A nursing home patient needs particular items for everyday living--food, cleansing and grooming products, clean clothes, and help with personal hygiene. If the nursing home fails to supply these for the patient's use--this is considered neglect. Also if the resident's room or any facility inside the nursing home where the patient will be exposed to is unsafe or nasty, the resident is being neglected. Last, but certainly not least, if the patient requires special medical attention the situation needs to be addressed by the nursing staff. The patient may be under nourished or have bed sores that could have been prevented if not for neglect.

Be very aware that there are much more serious results that can occur from nursing home abuse. It all depends upon the extent of the abuse. One frightening and devastating incident is the death of a resident under unexpected or neglectful circumstances. There have been incidents where a patient wandering around outside was hit by a vehicle or took a fall resulting in death or a serious injury. Watch your relative who is a nursing home resident for rapid, unusual weight loss which is not consistent with any known ailment that the patient has. Sometimes a resident's illness is ignored when they need emergency treatment or need to be taken to the hospital.

In short, if you have a close relative or friend in a nursing home, you cannot avoid watching for signs and symptoms of nursing home abuse. If you see the abuse or suspect it, contact your lawyer.

Self-Funded GL Policies Viable Despite Soft Market


In a soft market, one might think that alternative risk solutions such as captives and rent-a-captives completely lose their value in light of the attractive pricing of traditional insurance products, but this would be an incorrect assumption. History has shown that alternative risk transfer (ART) products have proven their worth in all market cycles, and yes, that includes the current soft market. While Alternative Market insurance products may not be as sought after in a soft market, their fundamental core benefits continue to reward insureds with consistent profits by offering them greater control over their exposure to risk.

The same applies to situations where an insured desires to self-fund certain exposures, especially general, products and/or professional liability. While attractive pricing may be available in the competitively-priced traditional insurance marketplace, many insureds continue to seek out and/or stay committed to their self-funded general liability program. And in many situations a quality fronting carrier plays a critical role in order to achieve the optimal program structure and desired result.

Background

The cyclical nature of the property-casualty insurance marketplace is well documented, with varying reasons behind the coverage restrictions and high premiums associated with hard markets, and intense carrier competition and declining premiums during soft markets. The hard market of the 1980s was perhaps when ART products came of age, with both captives, rent-a-captives and self-insurance gaining a strong foothold in the property-casualty marketplace. However, insureds still required partners to implement their alternative risk solutions, be it reinsurers, claims administrators and most importantly, fronting carriers to issue the policy.

One popular approach for insureds over this time has been the desire to self-insure and self-fund their general liability exposures. To do so, many established a wholly-owned captive insurance company, and selected their own service providers rather than purchase an "all-services-included" bundled traditional policy. Others chose self-insurance, with both approaches giving them the ability to craft a tailored general liability policy form that truly met their individual needs. Either way, third-party service providers were needed to make it work.

Troubled Times

Captives and self-insurance continued to be popular and effective risk financing approaches during the extended soft market in the 1990s, the relatively brief hard market in the 2000s, and the ensuing and current soft one. Although some insureds opted for low-priced traditional insurance products during soft cycles, many stayed committed to their existing alternative risk structure. Interestingly, others went against the grain and abandoned their traditional approaches and established self-funded general liability programs that gave them more control over their risk exposures.

This ebb and flow continued during market cycles until a perhaps unforeseen event occurred that upset the normal order of things: the worldwide financial crisis that first struck in 2008. Without chronicling all of the reasons behind this crisis, the result was and continues to be more difficulty in obtaining financing from banks and more scrutiny of existing ART structures.

Many insureds with captives and those which pursued self-insurance soon found out that third parties felt more secure receiving general liability certificates of insurance from an "A" rated carrier. In fact, financial institutions often demanded that an "A" rated carrier serve as a front for a general liability captive. Despite their strong balance sheets and years of operational success, a "flee-to-safety" mentality prevailed and surplus lines fronting carriers began to play an even more important role.

Nursing homes with captives are a prime example of this; to obtain HUD financing they needed to provide evidence that a top-rated carrier was providing general and professional liability coverage for them. Home builders and contractors may also require a fronting carrier for their general liability and products/completed operations exposures to satisfy loan covenants or lease agreements

Many types of fronted general liability programs are now available to captives and self-insureds that enable them to maintain their existing program structure on the back-end while alleviating any front-end issues through a partnership with an "A" rated surplus lines carrier.

Potential Fronting Options

Flexibility in program structure is a key advantage of alternative risk transfer vehicles. Under one type of fronted self-funded approach for general liability, an insured may obtain a claims-made and paid policy from an "A" rated surplus lines carrier which reimburses them for losses that arise and are paid within the policy period. The insured typically collateralizes the policy's aggregate limit by providing the carrier with cash and/or a letter of credit, with collateral either being rolled into the next policy term if renewed or returned at expiration. Occurrence policies are also available but often require the insured to post collateral until the statute of limitations or statute of repose expires.

Some of these general liability programs are "working" ones, where the insured intends to seek reimbursement for paid losses from the collateral that the carrier is holding. Others are "non-working" and the carrier serves only as a surplus lines fronting solution, with no paid loss reimbursements being sought. Both approaches offer one important benefit: the insured maintains significant control over its program structure, which is the whole idea behind alternative risk solutions in the first place. It can select the policy limits and sub-limits it desires, coverages can be added, deleted or modified as necessary, and service providers such as a claims administrator and preferred legal counsel are chosen by the insured.

Ideal Candidates

Obviously, insureds that have their own general liability captive or are self-insured are prospects for this type of fronted approach. Ideally, the insured wants to have greater control over their general liability program and is willing to actively participate in establishing loss control procedures, selecting a claims administrator and providing active oversight. The insured should be financially sound and be able to fund not only the aggregate limit of its policy, but also to absorb any losses that may occur along the way. Coverage considerations can range from the typical (general liability, professional liability, products/completed operations) to the unique (products recall, errors & omissions, environmental impairment).

Summary

Self-funded general and professional liability policies continue to provide significant benefits to insureds through their flexibility: customized policies, claims made or occurrence form, choice of service providers, ability to issue "A" rated certificates when and where required and flexible collateral options to name just a few. Despite the current soft market, self-funding of general liability exposures remains a viable option for many insureds. And when signs appear that a hardening of the market is on the horizon, interest is sure to increase.

Practical Nursing Salary - Assess the Worth of the Career


A licensed practical nurse works in various health care settings to assist the physicians and take care of sick, injured and disabled patients. The jobs for licensed nurses can be found at hospitals, nursing homes, private homes, public health departments, community health care facility and clinics. A number of colleges in the country offer accredited practical nursing programs, varying from 9 months to 3 years in duration. One of the important concerns while choosing the career as licensed nurse is to know about the salary standards followed in the industry. Keep on reading to obtain information in this direction.

Starting Hourly Rate

A he has the average starting hourly rate of up to $18. It should be noted that the licensed nurses are different from the registered nurses and thus, have different earning standards. On the basis of years of experience, the average hourly earning rate for a licensed practical nurse keeps on increasing. For example, a licensed practical nurse with one year of experience can earn up to $16 per hour. The nurses with work experience between 1-4 years can earn from $17 to $18 per hour. For those having higher work experience can expect the hourly earning arte of more than $19.

Salary Range

Talking about the salary range for a licenses practical nurse, it lies between $32,000 and $40,000. The state of working plays a significant role in deciding the average annual salary for a licensed practical nurse. The states like California, Massachusetts, Nevada, Washington and Connecticut have higher cost of living and thus, offer higher average salary for licensed practical nurses. In some of these states, the average salary can cross the figure of $40,000.

The type of medical facility can also affect the practical nursing salary. Learn about the job descriptions and the duties and responsibilities for the licensed practical nursing profile at various medical facilities to choose the best one.

Chlorine - The Great, the Good, the Bad and the Ugly!


Chlorine History: Leviticus 2:13 1446 BC, Matthew 5:13, Mark 9:50

Possibly the earliest recorded use and form of chlorine is found is the scriptures cited above. Since the beginning when humans first walked the earth, chlorine has been an essential element for survival. Without sodium chloride (salt), there would be no life. Chlorine and chlorine-related compounds, used as disinfectants and pharmaceuticals have saved more lives than any other chemical in the history of the human race. The largest source of sodium chloride is obviously the ocean. There is a limitless supply.

Every generation seems to multiply the uses of chlorine. There could not be life as we know it without chlorine. Chlorine has become so essential to modern life that it is "the single material on which production of other chemicals most depend". One might well say the chlorine is universal in its uses.

The earths crust is composed of 0.045% chlorine compounds and the earths seas are 2.9%. Chlorine always has been one of the most common elements in nature, more plentiful than carbon. In our blood, skin and teeth, chlorine compounds occur naturally.

In a small experimental laboratory in 1774, the Swedish pharmacist Karl Wilhem Scheele place a few drops of hydrochloric acid onto a piece of manganese dioxide. Immediately, a green yellowish gas arose. He did not realize that he had just discovered chlorine. The word chlorine was first classified as an element by Humphrey Davy in 1810. He named it after the Greek word chloros, which means pale green.

Chlorine was first used in 1846 as a germicide to prevent the spread of "child bed fever" in maternity wards of Vienna General Hospital in Austria. It has become the world's most potent weapon against infectious diseases.

In 1850, John Snow used chlorine for water disinfection at the Broad Street Pump water supply in London after an outbreak of cholera. In 1897, Sims Woodhead used a bleach solution to sterilize potable water distribution mains in England following a typhoid outbreak.

Maurice Duyk the Belgian chemist developed chlorine gas in 1893 and this made possible disinfection of drinking water. That same year chlorine was first applied as a disinfectant of a plant scale basis in Hamburg, Germany. The first full scale chlorine installation disinfection plant was in 1908 in Chicago at the Bubbly Creek Filter Plant. In 1914 the Department of the Treasury enacted for drinking water.

Since 1908, America has used chlorination as its principle disinfectant for waterborne infectious diseases. Chlorine and filtration of drinking water are credited as being responsible for the 50% increase in life expectancy over the last 97 years. Filtration and chlorine has also been credited as being the most significant public health developments by many magazines and periodicals since their inception.

After successes in England, the use of chlorine began to spread rapidly and in 1908 was used in Jersey City, New Jersey. Water born diseases like cholera, typhoid, dysentery and hepatitis were literally eliminated as the use of chlorine spread rapidly. Today, 98% of community water treatment systems use chlorine and are benefiting over 220,000,000 people in North America.

Chlorine was the first deadly gas used in warfare. It was used in World War I as a weapon on April 22, 1915 at Ypres by the Germans. When the wind was blowing in just the right direction toward the American front lines, they released the chlorine gas which rapidly killed about five thousand Americans. It was more effective than the German forces estimated it would be but they were not strong enough to defend the area gained by the chlorine gas. Some compounds of chlorine like phosgene, chloropicrin and mustard gas are even more deadly.

Very few innovations or discoveries have been made in the use of chlorine after the first 70 years. Chlorine is still the most widely used method of disinfection used in the United States, but other areas of the world are beginning to use other methods of disinfection with increased frequency.

Many Valuable Uses: Since 1846 when chlorine was first used as a germicide, it has become much more than most people realize. Due to its ability to combine and react with other elements and compounds, chlorine is now a key building block of modern life. Almost every product made today benefits from chlorine chemistry. Chlorine makes water safe to drink, produces life-saving drugs and medical equipment, shields police and fire fighters, protects crops, comes to the rescue in disasters, and cleans and disinfects everything in or around the home. Hotels, nursing homes, hospitals, restaurants, schools, businesses and manufacturers all depend on chlorine.

The miracles of modern medicine are made possible by chlorine. About 85% of all medicines contain or are manufactured using chlorine. These medicines are then place in vinyl bags or bottles made with chlorine based products.

Chlorine saves lives! Aside from disinfectants and medicines, chlorine is a principle component of protective equipment such as bullet resistant vest, bullet resistant glass (actually special plastic made using chlorine chemistry), helmets, flame-resistant clothing, seat belts and air bags. Many thousands of lives have been saved using these products.

Every year, approximately 12 million tons of chlorine is produced in North America alone. The chlorine industry employs nearly 2 million Americans with an annual payroll of about $52 billion. Over 200 industries are direct users of chlorine and they represent about 40% of all employment that produce 36% of the U. S. national income. More than 3,500 naturally occurring chlorinated organic compounds have been identified. Need I say more?

What about chlorine and poultry? Imagine your poultry farm without chlorine. There would be no PVC plumbing, the medications, much of the housing, the clothes you wear, the water that both your family and the birds drink, the equipment, the vehicles, and just about everything else would be different. You would have more cost, less profit and more work. Consider the hatchery, the company's office, your home, etc. It is mind boggling to imagine how different life would be without chlorine. This article in 5000 pages could not render even a partial understanding of all the great, the good, the bad and the ugly of chlorine.

In recent years, there have been numerous concerns about chlorine. Although chlorine disinfects drinking water, it also reacts with traces of other material of particles, such as dissolved solids, in the water and forms trace amounts of substances known as disinfection byproducts (DBPs). The most common of these are known as trihalomethanes (THMs). The U. S. Environmental Protection Agency (EPA) has classified THMs as a probable carcinogen.

Alternatives to the use of chlorine such as chloramines, chlorine dioxide, ozone and ultraviolet (UV) irradiation have received attention since concerns over DBPs have emerged. Even though these other processes provide efficient disinfection capabilities, each has its own disadvantages. Ozone and UV light do not provide residual disinfection or lasting protection. Most disinfection alternatives produce some type of byproducts.

Chlorine is said by some to be the original persistent organic pollutant (POP). POPs persist in the environment for decades and research by Columbia University suggests they may remain for centuries.

Realizing the importance to begin the chlorine sunset, the Clinton Administration announced a Water Plan that could eventually eliminate the chemical's use in thousands of products and applications. The announcement was made February 1, 1994, by Carol Browner, administrator of the U.S. Environmental Protection Agency and was immediately embraced by environmental groups favoring a broad ban on chlorine. The representatives of the chemical manufacturing industry attacked the Water Plan with great vigor.

The banned substances (e.g., Agent Orange, DDT, PCBs) and many others like them all have one legal cousin, chlorine. Dr. Joe Thornton a biologist at Oregon University states in his book "Pandora's Poison" that all of the organochlorines contaminate the environment, wildlife, our food and our bodies. They have just one antidote: "ban them all". An organochlorine is a class of chemicals formed when chlorine gas produced by the chemical industry comes into contact with organic matter in industrial processes and in agricultural uses.

There are 11,000 organochlorines that are known to exist. They are both persistent and stable in the environment, and they accumulate in the fatty tissues of animals and humans. They have been in existent since 1940 and now blanket the entire planet. Everyone on Earth now eats, drinks, and breathes a constantly changing and poorly characterized soup of organochlorines, said Dr. Joe Thornton.

Organochlorines have been linked to immune system suppression, falling sperm counts and infertility, as well as learning disability in children.

Notable Quotes and Facts


  • A study by the U.S. Council of Environmental Quality showed that the cancer risk among people drinking chlorinated water is 93% higher than among those whose water does not contain chlorine.

  • Dr. Lance Wallace of the Environmental Protection Agency states "Taking long hot showers is a health risk exposing us to a greater extent to the toxic chemicals contained in water."

  • Dr. Niels Skakkebaek of the University of Copenhagen made a study that demonstrated the average human sperm counts have dropped in Denmark by almost 50% due to the presence of man-made chlorine found in human tissues and breast milk.

  • Dalhousie University in Nova Scotia, found that high levels of trihalomethanes, a by-product of chlorine in drinking water, significantly increased the risk of stillbirth.

  • Dr. Roy E. Albert, chairman of the EPS Carcinogen Assessment Group stated the record of EPA regulation is abysmal. Research is expensive and the funding we are now getting is inadequate. The sobering truth is "We are guinea pigs."

  • Dr. Patrick Flanagan, named at age 17 as one of the Top 10 Scientists in America by Life Magazine, recently advised in the book ELIXIR OF THE AGELESS: that Drinking tap water is a slow form of suicide, today's tap water is yesterday's toilet water, too thin to plow and too thick to drink.

  • McDonalds, the hamburger giant, is phasing out their chlorine-bleached French-fry bags because dioxin is leaking into the fries. Dioxin is a highly toxic, chlorine based carcinogen, Proctor and Gamble, manufacturers of Tide and other products, now have laundry detergents on store shelves with a "bleach alternative" in it. Bleach is the same as liquid chlorine - only half as strong.

  • Dr. J. M. Price states that the cause of arteriosclerosis and resulting heart attacks and strokes is none other than ubiquitous chlorine in our drinking water.

  • A Professor of Water Chemistry at the University of Pittsburgh claims that exposure to vaporized chemicals in the water supplies through showering, bathing, and inhalation is 100 times greater than through drinking water.

  • The National Academy of Sciences estimate that over 1000 people die in the United States each year from cancer caused by ingesting the contaminates in water. Tens of thousands are made acutely ill.

  • Dr. Thornton warns, that the levels of dioxin in the environment can only increase, as long as organochlorines are produced. "Once we've got them, we've got them, and there's no safe way of disposing of them." "Once they're in you, there's no way to get them out."


Dr. Riddle suggests that since chlorine is required by health regulations to be present in all public drinking water supplies, it is up to the individual to remove the chlorine by "point of entry systems" at the home and "point of use systems" elsewhere when possible. Many farms are using chlorine to disinfect or oxidize their private wells. It is advisable that they must filter out the residual of this chlorine. It is not expensive to filter and with understanding of the many cautions mention in this article, all research states that all chlorine must be removed prior to consumption.

Our firm has just finished preparation for a grant to the United States Department of Agriculture to develop alternatives to chlorine and also methods of disinfection that will rotate best with chlorine or other disinfectants. There are living micro organisms that will develop immunity to chlorine (as with most disinfectants), rendering it less or completely ineffective as a disinfectant.

Chlorine the Great and the Good article that preceded this one should make us all very thankful for the advent of chlorine in 1904 in public water treatment. Surely many of us would not be here if chlorine had not been used to eradicate the plagues and diseases that were prevalent prior to 1904. Your parents or grandparents might have been among those who fell victim to those water borne diseases. It was chlorine that increased life expectancy from 45 years to 77 years. What we know now about chlorine has improved our health, finances and all of the many conveniences that we enjoy. Chlorine has been both great and good for us all.

It is also completely true that what we don't know about chlorine may harm us in numerous ways. This article has only mentioned a fraction of one percent of those possibilities.

Advantages and Disadvantages of 401(K) Retirement Plan


The 401(k) retirement plan is a type of defined contributions plan that allows people to the contribution to be defined by the participant. It got its name from the section of the Internal Revenue Code in 1981, which is section 401, paragraph (k), which is the authorization of a tax-deferred saving plan for employees. The plan has been amended a number of times before the present day plan. Nevertheless, it has found to be both advantageous and disadvantageous to people.

There are a number of benefits of the 401(k) retirement plan. Unlike other retirement plans, you are given the opportunity to choose and inform your employer how much of your salary to be put into the retirement plan. It can be up to 15% of the salary each month, but your employer has a limit to the limit to your account. You can try to up the limit if you do not think it is high enough, although there is a limit by the IRS that your total annual contribution does not exceed $15,000. Apart from that, the money that is contributed into the account is before the tax of your salary is calculated. Therefore, there is less deductions to the salary you receive in your hands because of the lower taxable income.

Even better is that some employers are willing to match a portion of your contribution, which is pretty much like free money for your participation. Also, there is the presence of a third party administrator who invests in the mutual funds and other vehicles for you, but under the choice of investments you choose. And in the concern of your employer facing bankruptcy, your retirement money is safeguarded by the Employment Retirement Income Security Act (ERISA) 1974, which states that all deposits made under this plan will be kept in a custodial account so that your money will be safe should anything happen to the employer.

However, like any other retirement plans, there are some disadvantages to this plan as well. To start off, if you decide to withdraw your money before the age of 59翻, you will be taxed and penalized by the IRS after the taxed amount with interest. And if you fail to pay up, there will be a forfeit of your plan. Therefore, it is best if you have a stable savings elsewhere so you will not need to do anything to face this penalty.

A Simple Guide to Start Your Travel Nursing Agency


Ahead of the current mass shortage of nurses across America, travel nursing have markedly developed in an attempt to provide the necessary nursing workforce for healthcare facilities and patients in need of homecare health services. Travel nurses usually travel from one place to the other to fill temporary vacant nursing positions and fill in healthcare assignments in newly established medical facilities. A great proportion of American nurses nowadays prefer to find work through a travel nursing agency which can help them pick their own convenient working hours, travel to multiple work environments and gain tremendous experience through practicing several medical specialties.

To start a travel nursing agency, you don't have to be a nurse or a medical professional. The following outlines a simple guide to help you start a travel nursing agency.

Firstly, you will need to pay a visit to your state's secretary office to get a business license to enable you settle your nursing travel agency. It is also important to check your state health department to find out about other required licenses as the level of services provided by a certain nursing travel agency determines the types of state licenses required.

Secondly, it is crucial to affiliate with an insurance establishment that is specializing in providing insurance services to nursing personnel. This is important to ensure that all the contracts your nursing agency will take on will be properly covered. Nurses' Service Organization is a perfect example of an insurance carrier that can effectively endorse your business. Usually, high premium and insurance bonds are expected to be paid, so that your nursing travel agency is licensed to operate in a specific state.

After starting your travel nursing agency, it is important to carefully pick up nursing personnel that will represent your agency. Bear in your mind that travel nurses are independent healthcare service providers that should carry the appropriate licenses and qualifications to work in the healthcare industry. Always, double check the licenses of your candidates and ensure that all their state credentials are valid and updated.
Marketing your travel nursing agency is an important factor in determining the success of your business.

Design and print fliers and brochures that present your agency and the services you are capable of providing. Try to contact home healthcare agencies, governmental health facilities and nursing homes explaining the role of your agency with emphasis on its operation system. Moreover, it is always wise to contact nursing schools and provide them information to pass to newly graduated nurses who might be interested in working with you. It is also beneficial to use the internet as a marketing tool that could be both powerful and of low cost. Posting jobs on online job boards and Craiglist have been proven to add to the success of many nursing agencies across America.

Caring For An Aggressive Alzheimer's Patient


As your loved ones Alzheimer's progresses, you may notice that they become more aggressive and tend to shout and become physical with you and your family members. Seen more often in men with Alzheimer's than women, this behavior often occurs suddenly, with little warning and no apparent reason. Because it is probably difficult to understand where your loved one is coming from, it's easy to become frustrated, but patience and understanding is necessary to calm him or her down and find out why they are so upset.

Aggression can be caused by several factors including physical discomfort, poor communication or an uncomfortable environment. When your loved one becomes aggressive, try to get to the source of their anger to see if you can make them more comfortable and less upset. Are they tired because they haven't been sleeping well? Are the medications they're taking causing side effects that make them angry or ill? Does it seem like they're experiencing physical discomfort and pain?

Take note of environmental factors that could be making your loved one uncomfortable. Are there a lot of loud noises or people in the room? Do they look lost or confused? These feelings are enough to make anyone annoyed, but for a person with Alzheimer's it can be particularly overwhelming and cause an angry outburst. They may also be frustrated because of their lack of ability to communicate with you. Keep your instructions simple and don't ask too many questions or state too many things at once. Are you acting negatively to towards them or are you irritable yourself? Your loved one may be picking up on your own aggression.

The best way to respond to the aggression of a person with Alzheimer's is to remain calm, patient and understanding. Try to identify the cause and focus on their feelings, not the facts. They may not be able to distinguish between wrong and right and may be confused about what really happened. Don't take their behavior personally and try to remain positive and reassuring. Suggest a different, relaxing activity and limit their distractions so they can concentrate on remaining calm.

During an aggressive outburst, it's important to assess the situation and the danger involved, both for your loved one and yourself. If he or she is acting out physically, stand back and call for assistance. If they're trying to run away, be more assertive and make sure they remain in the house. Unless absolutely necessary, avoid using force or restraint because your loved one may become more upset and physical. The anger does not normally last very long and will only be escalated by equally aggressive behavior.

Tuesday, September 10, 2013

Alzheimer's and Music


A few years ago, I read an article that said people with Alzheimer's disease don't lose their memories- they just lose access to them. And that got me to wondering if there was any way to help them access their memories. In my work with Alzheimer's, I quickly noticed that those who rarely talked at all, would sing along with a song. Interestingly enough, they couldn't recall my name, but they could sing every single word of, "You Are My Sunshine." Aha! Music seemed to be an access to the memory.Familiar music also seemed to cause an array of emotions. Some music was stimulating, some calming, some causing happiness, and some even melancholy. So if some music was stimulating, I decided to use it at times when stimulation was needed. Take eating for example.

I noticed that lighthearted, upbeat music seemed to stimulate their appetites. Also, the same kind of music, kept them from napping, whereas quiet, soothing music appeared to be a sedative.It didn't take long for me to figure out that there should be music playing all the time. Yes, medication is necessary. But it's not the only means available to the caregiver. Find out what kind of music your loved one grew up listening to. Childhood songs are great, and believe it or not, sometimes even nursery rhymes brighten up their faces.....because they can remember them! Some of my residents enjoyed country music, while others like the Beatles. Remember: music can bridge the gap to their memory. Is there a particular song you hear that can take you right back in time, and you can remember exactly what you were doing when you heard it? If not for hearing that song, you probably would not have accessed that memory!Music is a tool in the management of Alzheimer's disease. Try it!

Medication Errors in Nursing Homes - Part 1


Background

- 800,000 preventable adverse drug reactions (ADEs) each year*

- most are serious, life threatening or fatal

- half are preventable

*Gurwitz et al. Incidence and preventability of adverse drug events in nursing homes. Am J Med 2000; 109(2):87-94

Why so many? America is living longer and medications are the mainstay of treatment for chronically ill residents. Most medication orders are made by phone and often among multiple providers with limited knowledge of the resident (cross-cover physicians, Extenders, etc). Adjustments are often made without the current medication list and based on incomplete or inaccurate information. Miscommunication results in unnecessary medications, duplicative treatment and inappropriate dosing.

ADE Prevention Safe medication oversight is coordinated between the physicians (prescribing), pharmacies (dispensing), consultant pharmacists and nursing facilities (administration and monitoring). Most ADEs occur at the monitoring stage. Revised guidelines for F-Tag 329 (Unnecessary Medications) and F-Tag 428 (Medication Regimen Review) emphasize multidisciplinary accountability. While they make a positive impact on dispensing and administration, the physician role in monitoring is still underutilized and facilities may not have the systems to readily change this. EMR (electronic medical record) software has the potential to play a pivotal role in reducing medication errors.

In spite of the guidelines and the best intentions of all, the following scenario is all too familiar:

- Day 1 Physician (PCP) visit diagnosis depression and prescribes antidepressant A.

- Day 2 Facility weekend staff notes depression, calls on-call physician. Medication list is unavailable and antidepressant B is added.

- Day 30 Consulting pharmacist reviews duplicate medication. Recommendation left for staff to follow up with PCP.

- Day 37 Recommendation given to PCP staff. PCP is aware but will not change the medications without reviewing the patient.

- Day 50 PCP visit discontinues antidepressant B.

The scenario above was preventable if the medication list had been available to the on-call physician.

New Opportunities Greater physician use of CPOE (e-prescribing) and electronic medical record technology in nursing homes promises new opportunities for medication error reduction.

Reasons To Get Elderly Home Care


Home, no matter how humble or grand, is an oasis of comfort and privacy. It wraps its loving arms around its occupants and soothes with the familiar rooms, belongings and routines. Seniors live longer and happier aging in place. Elderly Home Care allows these senior citizens to stay safely in their homes and enjoy their freedom and flexibility. Specialized programs can be adapted to the needs of each individual. The three times to call these professionals are when someone needs help with general household chores, personal grooming or the day-to-day functions of living.

Concern about the well-being of an elderly loved one is a great reason to arrange for help. Hiring an aid to work a few hours a week assisting with harder household chores, shopping or accompanying the senior citizen on social outings are beneficial to both parties. The concerned person will get weekly updates on current conditions and senior citizens have someone to visit with and help with hard-to-do chores.

Extra hands for personal grooming offer security. Having someone help a person into a shower, wash their hair, do the laundry or prepare meals keeps people at home longer. They can continue to enjoy the neighborhood and the normal activities. This is an inexpensive alternative to retirement centers and assisted living.

Elderly Home Care allows frail or disabled people the luxury of staying in a place they love. This level of care may require full-time assistance. These professionals are trained in moving people from a bed to wheelchair, assisting with eating and bathing, following doctor's orders and dispensing medication.

Allowing senior citizens to remain in the comfort of their home longer is easy to do with Elderly Home Care. These programs can be customized to meet the requirements of each person and improve their quality of life while assuring concerned family members and relatives the loved one is safe.