Emotional Problems in Later Life: Common issues in late life are retirement, divorce, widowhood, misuse of prescription drugs, suicide, and neglect

Getting old is no fun, the 83 year old told her daughter. Having lost her husband suddenly, the result of an aneurysm nine years earlier and currently recovering from a complicated spinal surgery, she expressed the sentiment of many elderly adults. We have all watched as our parents, grandparents, neighbors, or friends navigate their way through the minefields of aging, hoping to avoid the disruptive effects of physical, mental, and social deterioration. Aging has emerged as an area of concern worldwide. Life expectancy has increased, largely due to advances in medical science, improved health care, and improved nutrition. As a result, the elderly population has rapidly increased, bringing a growing consciousness of this distinct group to society.

The 60+ population increased 50.4% from 1960 to 1980 with projections of 57% from 1980 to 2000, and about 65% from 2000 to 2020.

 

This 60-year span from 1960 to 2020 has a projected increase of 410% while there will be only a 157% increase for the total population.1 The elderly are traditionally characterized in either a positive or a negative light. Some view the elderly as a source of wisdom, and they are respected, exerting influence in their families and in community life. Others see the elderly as dominated by major and irreversible losses, both physical and mental. Each view has demonstrable legitimacy. How individuals perceive old age is greatly influenced by how society as a whole views old age. The contrasting view of Asian cultures as opposed to our societies is evidence of these two views.

The idea that aging can be stressful is a prevalent notion. The aging process can be fraught with an endless list of physical problems that result from both normal and abnormal physiological changes. Physical deterioration is inevitable. Mental deterioration and memory impairment, while frequent in later life, may not be inevitable. Physical and mental problems can be devastating for aging adults and their families. In addition, older adults are faced with changes that constitute significant losses. Numerous adjustments are required of aging adults as they encounter: retirement with its altered daily schedule and economic decline; marital disruptions related to divorce and widowhood; changes in living arrangements; experiences of trauma related to abuse and neglect; confrontations about the misuse of alcohol and prescription drugs; and an inability to deal with the inner turmoil that can lead to suicide. This is not a complete list of problems faced by elders, but it is an indication that there are obstacles in the path of aging adults that impact their remaining years. Christian mental health professionals have the opportunity and obligation to minister to this segment of society and bring a measure of comfort, healing, and blessing.

Retirement

Retirement, in most cases is a onetime event. Retirees reactions to retirement may vary from delight to dread but typically involve moving through stages, according to Atchey.2 These stages are not fixed and are not necessarily experienced in sequence or in total.

1. Pre-retirement stageanticipation of impending separation from

employment.

2. Honeymoon stagea joyful phase of fulfilling old wishes and exploring

new things.

3. Immediate retirement routine stagea phase for those who made advance plans and now can organize their lives into activity patterns.

4. Rest and relaxation stagea time of respite often followed by boredom

and, for some, an attempt to reinstate some of the previous

lifestyle.

5. Disenchantment stagein some cases, this stage can deteriorate into depression.

6. Reorientation stagea search for more realistic and appropriate life

choices.

7. Routine stageselecting and committing to a new set of more satisfying patterns of activities.

8. Termination stageretiree either reenters the work force, becomes involved in new interests, or experiences poor health and chronic impairments that preclude other choices. Retirement can be viewed as an achievement, an accomplishment. The retiree has completed a major phase of life and now can enjoy the fruits of the labor. For those who have developed interests and hobbies, this is a welcomed time of life. But for others, who have lived to work, this may be a time of difficult adjustment. For some, retirement represents more than just a cessation of work. It may represent relinquishing of power, control, and/or authority. The sense of accomplishment is lost as is the security of a daily routine.<!–[if gte mso 9]><xml> Normal 0 false false false EN-US X-NONE X-NONE </xml><![endif]–><!–[if gte mso 9]><xml> </xml><![endif]–> <!– /* Font Definitions */ @font-face {font-family:”Cambria Math”; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:1; mso-generic-font-family:roman; mso-font-format:other; mso-font-pitch:variable; mso-font-signature:0 0 0 0 0 0;} @font-face {font-family:Calibri; panose-1:2 15 5 2 2 2 4 3 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-1610611985 1073750139 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:”"; margin-top:0in; margin-right:0in; margin-bottom:10.0pt; margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:”Calibri”,”sans-serif”; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:”Times New Roman”; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:”Times New Roman”; mso-bidi-theme-font:minor-bidi;} a:link, span.MsoHyperlink {mso-style-priority:99; color:blue; mso-themecolor:hyperlink; text-decoration:underline; text-underline:single;} a:visited, span.MsoHyperlinkFollowed {mso-style-noshow:yes; mso-style-priority:99; color:purple; mso-themecolor:followedhyperlink; text-decoration:underline; text-underline:single;} span.apple-style-span {mso-style-name:apple-style-span; mso-style-unhide:no;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:”Times New Roman”; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:”Times New Roman”; mso-bidi-theme-font:minor-bidi;} .MsoPapDefault {mso-style-type:export-only; margin-bottom:10.0pt; line-height:115%;} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} –> <!–[if gte mso 10]> <! /* Style Definitions */ table.MsoNormalTable {mso-style-name:”Table Normal”; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:”"; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:”Calibri”,”sans-serif”; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} –> <!–[endif]–> Take help from internet counseing.

For those whose life was their work, there can be a loss of identity. Even in the best of circumstances, retirement requires some adjustment and problems may emerge. Marital problems develop when couples have difficulty adjusting to changes in their roles or to different lifestyles. Most couples have evolved into specific roles and division of labor. Retirement may disrupt this structure. Isolation can result for those whose social life revolved around time spent with co-workers and who never developed a circle of friends outside the workplace. If retirement is accompanied by the decision to sell the marital home and relocate, the adjustment can be more difficult. Moving to another state, away from support systems in the neighborhood, the church, and the community, can result in times of loneliness and isolation. Older adults tend to find comfort and security in familiar surroundings.

Financial concerns are a major issue when facing retirement. Most people have not been able to arrange their retirement income to maintain the same standard of living experienced during the employed years. Incomes are usually fixed and are only a portion of the previous income. Social Security alone is well below poverty level. Adjusting to a reduced income can result in stress and worry about the financial stability of the future. Plans for a wonderful retirement may not be realized. Adjustment to retirement is not automatic. Retirement means change, whether welcomed or dreaded. Counselors can help the process along by being aware of the impact of this major life transition and can facilitate the adjustment by offering realistic suggestions for problem solving. For example, retirees have much to offer, and serving as a volunteer can enhance ones self-image and fulfill the need to be needed.

Late Life Divorce and Widowhood

Marriages are dissolved in two ways: by death or divorce. Either way, the loss is painful. Divorce is a time of crisis and one of lifes most stressful events. It is often compared to the death of ones spouse, especially with regard to the emotional impact and the need to reorganize ones life. Divorce in late life is especially difficult and profoundly affects the quality of life for the elderly. It tears apart a relationship that has existed for many years and forces both parties into new lifestyles that bring changes in every facet of everyday life.

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Emotional Problems in Later Life: Common issues in late life are retirement, divorce, widowhood, misues of prescription drugs, suicide, and neglect

Getting old is no fun, the 83 year old told her daughter. Having lost her husband suddenly, the result of an aneurysm nine years earlier and currently recovering from a complicated spinal surgery, she expressed the sentiment of many elderly adults. We have all watched as our parents, grandparents, neighbors, or friends navigate their way through the minefields of aging, hoping to avoid the disruptive effects of physical, mental, and social deterioration. Aging has emerged as an area of concern worldwide. Life expectancy has increased, largely due to advances in medical science, improved health care, and improved nutrition. As a result, the elderly population has rapidly increased, bringing a growing consciousness of this distinct group to society. The 60+ population increased 50.4% from 1960 to 1980 with projections of 57% from 1980 to 2000, and about 65% from 2000 to 2020. This 60-year span from 1960 to 2020 has a projected increase of 410% while there will be only a 157% increase for the total population.

1 The elderly are traditionally characterized in either a positive or a negative light. Some view the elderly as a source of wisdom, and they are respected, exerting influence in their families and in community life. Others see the elderly as dominated by major and irreversible losses, both physical and mental. Each view has demonstrable legitimacy. How individuals perceive old age is greatly influenced by how society as a whole views old age. The contrasting view of Asian cultures as opposed to our society is evidence of these two views.

 

The idea that aging can be stressful is a prevalent notion. The aging process can be fraught with an endless list of physical problems that result from both normal and abnormal physiological changes. Physical deterioration is inevitable. Mental deterioration and memory impairment, while frequent in later life, may not be inevitable. Physical and mental problems can be devastating for aging adults and their families. In addition, older adults are faced with changes that constitute significant losses. Numerous adjustments are required of aging adults as they encounter: retirement with its altered daily schedule and economic decline; marital disruptions related to divorce and widowhood; changes in living arrangements; experiences of trauma related to abuse and neglect; confrontations about the misuse of alcohol and prescription drugs; and an inability to deal with the inner turmoil that can lead to suicide. This is not a complete list of problems faced by elders, but it is an indication that there are obstacles in the path of aging adults that impact their remaining years. Christian mental health professionals have the opportunity and obligation to minister to this segment of society and bring a measure of comfort, healing, and blessing.

 

*Retirement*

Retirement, in most cases is a onetime event. Retirees reactions to retirement may vary from delight to dread but typically involve moving through stages, according to Atchey.2 These stages are not fixed and are not necessarily experienced in sequence or in total.

 

1. Pre-retirement stage anticipation of impending separation from employment.

2. Honeymoon stage a joyful phase of fulfilling old wishes and exploring new things.

3. Immediate retirement routine stage a phase for those who made advance plans and now can organize their lives into activity patterns.

4. Rest and relaxation stage a time of respite often followed by boredom and, for some, an attempt to reinstate some of the previous lifestyle.

5. Disenchantment stage in some cases, this stage can deteriorate into depression.

6. Reorientation stage a search for more realistic and appropriate life choices.

7. Routine stage selecting and committing to a new set of more satisfying patterns of activities.

 

8. Termination stage retiree either reenters the work force, becomes involved in new interests, or experience poor health and chronic impairments that preclude other choices. Retirement can be viewed as an achievement, an accomplishment. The retiree has completed a major phase of life and now can enjoy the fruits of the labor. For those who have developed interests and hobbies, this is a welcomed time of life. But for others, who have lived to work, this may be a time of difficult adjustment. For some, retirement represents more than just a cessation of work. It may represent relinquishing of power, control, and/or authority. The sense of accomplishment is lost as is the security of a daily routine. For those whose life was their work, there can be a loss of identity. Even in the best of circumstances, retirement requires some adjustment and problems may emerge. Marital problems develop when couples have difficulty adjusting to changes in their roles or to different lifestyles. Most couples have evolved into specific roles and division of labor.

Retirement may disrupt this structure. Isolation can result for those whose social life revolved around time spent with co-workers and who never developed a circle of friends outside the workplace. If retirement is accompanied by the decision to sell the marital home and relocate, the adjustment can be more difficult. Moving to another state, away from support systems in the neighborhood, the church, and the community, can result in times of loneliness and isolation. Older adults tend to find comfort and security in familiar surroundings. Financial concerns are a major issue when facing retirement. Most people have not been able to arrange their retirement income to maintain the same standard of living experienced

during the employed years. Incomes are usually fixed and are only a portion of the previous income. Social Security alone is well below poverty level. Adjusting to a reduced income can result in stress and worry about the financial stability of the future. Plans for a wonderful retirement may not be realized. Adjustment to retirement is not automatic. Retirement means change, whether welcomed or dreaded. Counselors can help the process along by being aware of the impact of this major life transition and can facilitate the adjustment by offering realistic suggestions for problem solving. For example, retirees have much to offer, and serving as a volunteer can enhance ones self-image and fulfill the need to be needed.

 

 

 

*Late Life Divorce and Widowhood*

Marriages are dissolved in two ways: by death or divorce. Either way, the loss is painful. Divorce is a time of crisis and one of life’s most stressful events. It is often compared to the death of ones spouse, especially with regard to the emotional impact and the need to reorganize ones life. Divorce in late life is especially difficult and profoundly affects the quality of life for the elderly. It tears apart a relationship that has existed for many years and forces both parties into new lifestyles that bring changes in every facet of everyday life. Although both men and women experience difficulties as a result of divorce, women are especially impacted. In her 10-year longitudinal study on divorce adjustment, Judith Wallerste in found that the economic, social, and emotional status of older women was distinctly different from that of the other subjects.3 Older women faced worse economic troubles as their incomes declined significantly. They experienced more widespread anxiety and loneliness, decreased involvement in interpersonal relationships, and none of the older women remarried.

The differences between older women and all other subjects was striking and sobering. This does not suggest that older men do not suffer economic, social, and emotional consequences. They experience the same difficulties that older women do; however, they tend to remarry at a much higher rate than older women do. As age increases, the opportunity for women Give away your life; you’ll find life given back, but not  merely given back given back with bonus and blessing. Luke 6:38

 

(The Message, E.H. Peterson translation)to remarry decreases greatly because they outnumber men. Currently, older women outnumber older men in every state in the United States except Alaska where the ratio is equal. Loss of a marriage impacts the quality of life and requires changes in ones lifestyle, but there are significant differences between divorce and widowhood. Those who have lost a spouse through death are afforded a parting ritual (funeral) and an extended period of time to grieve. The divorced are expected to get on with life. Sympathy and compassion are not equally distributed between the two situations. Death generously allows the widow the comfort of remembering the good times, while divorce tends to flood the memory with the bad times. The widowed have pictures to remind them of past joys with their spouses; the divorced often must still encounter the ex-spouse and re-experience the anger and pain. Economically, widowed and divorced older adults have a lower standard of living. And the older woman may be plunged to poverty level.

For the widow, there is often a downward adjustment on the pension and social security that results in income somewhat less than when the husband was alive. For the divorcee, access to the former husbands pension is usually denied, and the ex-wife has only her Social Security and any settlement awarded by the court. For women who have not participated in the workforce, Social Security is meager. Most older divorced women and many widows experience a severe decline in economic status. Socially and emotionally, divorced and widowed older adults must reorganize their support networks. The divorced may lose support from the ex-spouses family and from friends shared during the marriage. Widows are more likely to maintain some support from extended family and shared friends. The support that follows a divorce or the death of a spouse tends to diminish over time, leaving the older adult vulnerable to loneliness, isolation, anxiety, and depression. Connecting with others and developing new support networks facilitates the adjustment to the single lifestyle. At a time in their lives when they anticipated that life’s demands would

decrease, the widowed and divorced are faced with life’s most demanding transition.

 

 

*Suicide and the Elderly*

The suicide rate in most countries is higher for older adults than for any other age group. In the United States, suicide in the 65+ group is twice the rate of the rest of the population, with older males at highest risk. Although women attempt suicide three times more often than men, they are less successful than men, who typically choose more lethal means like firearms. Older adults commit approximately 20- 25% of all suicides.4 The risk factors for suicide among older adults are numerous. Depression is, of course, a major predictor for suicide and is generally correlated with significant changes in the aging adults life. The deterioration of physical health, cognitive dysfunction, stressful life events, substance abuse, relationship problems, bereavement, and genetic predisposition are contributors to later life depression. Suicide is most likely a response to the panorama of life’s circumstances rather than to a single factor or incident. Older adults commit suicide with

 

less warning than younger adults and are less likely to express suicidal intent. Previous attempts are significant predictors, but for men who tend to be very successful, this predictor may rarely appear. Treatment for the suicidal older adult may be difficult because the elderly (especially men) generally do not seek mental health services. Identification of suicidal older adults by others who have contact with the potential victims is essential. Because most elderly suicide victims have visited their primary care physician in the month prior to their suicide, recognition and treatment of depression in the medical setting is a promising way to prevent elderly suicide.5 Psychiatric hospitalization can provide an opportunity to involve suicidal older adults in therapy. A hospitalized patient who fit the high-risk profile was referred to me for therapy. He was an over-65 male who had lost his farm and his wife, had stopped going to church, had become a heavy drinker, and exhibited warning signs for potential suicide. Helping him reconnect with his previous spiritual foundation brought a fresh awareness of Gods love and opened the door for developing a treatment plan.

 

*Misuse of Alcohol and Prescription Drugs*

Alcohol and prescription drug misuse affect over 17% of the 60+ population. Substance abuse lowers the quality of life at any age, and it can have a devastating impact on the lives of older adults. Older adults consume alcohol for some of the same reasons younger adults use alcohol to numb psychological or physical pain. Several studies have indicated that about one third of alcoholism among the elderly began after entering later life. This suggests that a significant group  of older adults had alcohol problems prior to entering the last third of their lives. Late onset occurs more frequently with women; men more

commonly were drinking at an earlier age. Alcohol consumption tends to decrease over the life span; older adults drink less than their younger counterparts, but the drinking patterns are similar for all age groups.

 

The effects of alcohol on older adults differ from younger adults. Due to the aging process, tolerance for alcohol decreases with age. Health problems, social problems with family and friends, grief and loss, and mental problems exacerbate drinking patterns or are factors in late onset alcohol abuse. A significant danger exists when alcohol and prescription drugs are mixed. The ability of the aging liver to metabolize alcohol and medications is a concern. Accidental overdose can occur. Whereas older men are at greater risk for alcohol abuse, older women are at greater risk for the misuse of prescription drugs.

The National Center on Addiction and Substance Abuse reports that 2.8 million women over age 60 are addicted to psychoactive prescription drugs. Older women are more likely to visit family physicians and receive prescriptions, especially for psychoactive drugs. Although older adults make up about 15% of the general population, they consume 2535% of prescription drugs and a disproportionate amount of over-the-counter drugs.6 Misuse of prescription drugs can occur when the elderly patient does not understand the directions for the medication, forgets to take the medication, or accidentally or deliberately takes extra doses. The elderly experience numerous physical and emotional problems that require medications, such as chronic pain, insomnia, anxiety, depression, cardiovascular problems, and respiratory problems. Drug dependence and drug interactions are a major concern for the elderly.

The aging body typically has a decreased ability to clear the system of drugs, leaving the older adult at risk for overdose or serious side effects. The same medication that is a blessing can also be a curse. Treatment for alcohol problems and the misuse of medications varies according to theoretical orientation. The counselor s belief regarding the etiology of alcohol dependence (disease or dysfunction) will inform the choice of treatment. Engaging the older adult in treatment may be difficult and may require the assistance of family and friends. Unfortunately, most alcohol treatment programs are designed for younger populations and seldom address the unique problems of the elderly.

Treatment for the misuse of prescription drugs commonly begins with an intervention.7 Interested persons express their concern for the one who is abusing drugs, explain

how the problem has affected their relationships, and encourage the person to seek professional help. This method (also used with alcohol related problems) addresses the denial that is typically present. The prescribing physician is often unfairly blamed for the problem (Well, he’s the one who got this started by giving the prescription). In some cases, physicians do contribute to the problem and need to be included in the solution. Having a significant person go to the doctor with the older patient can be helpful for understanding directions for medications. Also keeping a list of all medications for the physician to review can aid in correlating the drugs. There are containers specifically designed for organizing medications by the week and indicating the day and time to take the medication. As is the case with alcohol abuse, there are few drug treatment facilities that accommodate the elderly. Hospitalization is an alternative; however, managed care generally does not pay for the treatment.

 

 

 

*Abuse and Neglect of the Elderly*

Elder abuse is generally divided into four broad categories (physical, psychological, financial, and neglect), and the definition of abuse usually depends on intent, severity, intensity, and frequency. Currently, only four prevalence studies have been cited in the literature and the results are considered an underestimate of the worldwide occurrence of abuse.8 One of these studies9 surveyed over 2000 non-institutionalized elders in the United States and found that: The prevalence of elder abuse ranged from 4% to 10% of those 65 years and older; abuse was perpetrated more often by spouses (58%) than adult children (24%); victims were equally divided between men and women; and neither economic status nor age were related to risk factors.

 

According to Wolf, the risk factors include: the abusers dependence on the victim (i.e., financial support); the psychological state of the abuser (i.e., mental health, substance abuse); the physical and cognitive state of the victim (i.e., frailty, memory deficiency); and family social isolation (i.e., housebound).10 Although empirical studies are lacking with regards to the consequences of abuse and neglect, Wolf reports that depression, learned helplessness, alienation, guilt, distrust, withdrawal, fear, shame, and post-traumatic stress disorder appear to be responses to abuse. Similar to the victims of domestic violence and child abuse, the elderly tend to hide or minimize the abuse, fearing abandonment and rejection. Interventions for elder victims of maltreatment vary according to the individual case, from crisis intervention strategies to treatment of longer duration. Of course, the primary goal is to end the abuse. Counselors need to explore the elders view of the abusive situation, keeping in mind the fear of abandonment and rejection experienced by most victims.

 

*Conclusion*

As Christians, we are instructed to minister to the hurting and wounded that we encounter in our society. As Christian counselors, we have no less of an obligation. The elderly are a segment of society that is often neglected and ignored by the professional world. As we become aware of the numerous problems the elderly face, we have the opportunity to bring help and healing. Christian Counselor is always available to help you out.

One of my students recently told me that I need to help her overcome her resistance to working with the elderly. She is aware of her responsibility to minister to her clients but has not developed a willingness to open her heart to aging adults. As I have talked and listened to others, I realize that there are many who share her view. This may be the result of living in a society that does not value the aged, or it may be an inability to face ones impending entrance into this dimension of life. There is an open field for harvest and an opportunity to minister to those in the final phase of life. Web counselor plays a vital role for the welfare of society.

Life Insurance – Understanding the Key Facts

It might not be pleasant to think about now, but life insurance can be a smart investment that can protect your wife or husband, children, and other loved ones in the event of your death. Whether or not you need to take out a life insurance policy depends on the needs and circumstances of your family. Read on to learn about when life insurance is practical and when it may be unnecessary.

 

Life Insurance Basics

Life insurance is unique in that it does not protect the person who is insured; it is intended to protect your family and loved ones after you are gone. The coverage is designed to ensure that spouses, children, business interests, and other dependents are financially secure even if a major breadwinner or the owner of the company dies unexpectedly.

There are six main reasons you might decide to purchase life insurance:

To support family members or dependents who rely on your income
To pay for funeral expenses, burial costs, and estate taxes
To protect your business
As an inheritance to family or other heirs
To leave money to charity
As a source of investment or savings to draw on during your lifetime

If you are the major breadwinner of your family, the ideal life insurance policy should pay out enough money in the event of your death to ensure that your spouse and children will be financially supported  for as long as necessary – including mortgage payments, medical expenses, and children’s college tuition. On the other hand, if your purpose in arranging life insurance is simply to save your family the expense of your funeral and estate taxes, then your policy will be much smaller—enough to cover those expenses  at estimated future prices.

Life insurance policies vary widely depending on age, health, gender, and any existing risk factors. The cost will depend primarily on the amount of coverage and the details of the policy, although life insurance policies are generally more expensive for men than for women, in part because life expectancy is generally longer for women.  

 

Term Life Insurance vs. Whole Life Insurance

There are two basic types of life insurance: term life insurance, which pays if death occurs during the term of the policy, and whole life or permanent life insurance, which is actively invested in until death, whenever it occurs. Each choice has its benefits and disadvantages:

Term life insurance plans typically have no cash value to be drawn upon. If you outlive the term of the life insurance policy, you receive zero cash back and have no more insurance.
Whole life insurance policies typically offer a savings option, which allows money to be invested early and withdrawn later as needed.
Whole life insurance is very expensive at the start, allowing the insurance company to invest a chunk of money to cover the final payout.
Whole life insurance policies are typically more expensive than term life insurance.

A term life insurance plan might be suitable for a person in their 70s or 80s who would like to leave behind a legacy for their family or make a gift donation to a favorite charity, but who does not expect to outlive the term of the insurance plan.  However, as term life insurance rates are based on various risk factors, a person in their 70s or 80s may have to pay a premium to secure this type of life insurance policy.

Permanent or whole life insurance is usually preferable for anyone with a spouse or family who depends on their income. On the other hand, if you’re only concerned about having life insurance while your children are growing up or you have an unpaid mortgage, a term life insurance plan for 10, 15, or 20 years might be right for you. Choosing the right plan depends on many lifestyle factors, as well as your needs and wishes in terms of your financial planning.

 

Discount Life Insurance

If you’re seeking a bargain on life insurance, keep in mind that discount life insurance often turns out to be anything but cheap. Inexpensive plans may only pay out under certain circumstances, and pay nothing if death results from causes other than those stipulated in the policy.

Some life insurance companies offer bargain policies for children, which pay out in the event of a child’s death. Other children’s life insurance plans are touted as investments or as a smart way to establish a long-term plan that a child can continue to pay into as they grow into an adult. These plans are seldom worth the price, especially when the same money could be invested in a more conventional investment with a better return.

Life insurance is a worthwhile investment to protect your family in the event of your death, covering unpaid expenses and allowing them to maintain their current standard of living. It can also help to protect a business from bankruptcy. However, although life insurance advocates might claim otherwise, it is not usually the best way to invest for retirement or other financial needs during your lifetime.

Making Life Better For Seniors In Phoenix With Home Care

Phoenix is the capital of the U.S. state of Arizona and the fifth most populous city of the United States. It was founded near the Salt River in 1868. It has become a major financial, industrial, transportation and cultural center of Southwestern United States.

While Phoenix has big public library, Chase Tower, the tallest building in the state and long native American heritage, it does lack better non-medical senior care and personal care services for its large population. There are hundreds and thousands of elderly people in Phoenix who need assistance to live a better life.

As the members in family grow older their grown up children find it taxing to take care of them. It leads to friction at home at a time when aging parents need most support and understanding in this phase of their lives. A better option to help aging members in the family is to provide them with senior care. Home care Phoenixcity’s seniors need, can come from companies who provide services for senior care as well as personal care.

Ailing or physically weak elderly persons require highest level of compassionate personal care. Skilled, loving, caregiver Phoenix individuals can be of great help to make a difference in lives of these senior people. Providing personal care and living assistance to elderly people is a noble service and many companies are coming forward to render it to the masses in Phoenix.

Seniors who like to stay at home instead of spending days in retirement homes can be provided in-home personal care service. They can be renedred assistance in doing their grocery and shopping, cleaning home, cooking meals and driving them to community activities. In case of illness some caregiver Phoenixor senior care service provider can take them to doctor or hospital for treatment.

Senior people love to be at home where they have spend years and like to be near their family members and friends. At home senior people need companionship, particularly when their adult children are working, or out of city. Personal care providers take care of mechanical routine of cooking food and cleaning house. They provide companionship and keep them fit by taking them to daily walk. Senior care service providers also keep elderly people alert by reading to them about daily news and TV sitcoms.

Senior homecare Phoenix is not an easy task. It requires tons of patience, skill and physical strength which can be rightly provided by caregiver Phoenix alone. Although in-home senior care costs money, its benefits cannot be matched with cash value.

Senior care provider or personal care provider take care of following chores daily.

Preparing special meals on time, feeding them, giving bath, dressing, taking them to doctor, giving medicine, cleaning and dusting, laundry, shopping for their needs playing and reading for them and taking care of pets.

In-home care enables you to go to your work without worries while making lives of your seniors better and more comfortable.

Senior Care North Carolina – Improving the Quality of Life for Family Caregivers

When the entire baby boomer generation has reached retirement age in 2030, an astonishing number of U.S. families will have faced the challenge of providing care to an aging loved one. Today, caregivers are present in one out of every five U.S. households. With over 80% of these being family members, and with demand for caregiving only expected to increase as members of the boomer generation reaching retirement age grows steadily, there is becoming increasing need for outside help.

For millions of Americans who offer informal care to ill or disabled family members, caregiving is a Catch-22. On one hand, the commitment to provide care is a very rewarding personal experience. At the same time, numerous studies have quantified how exhaustion, worry and ongoing caregiver demands can cause chronic stress, depression, anxiety, premature aging, high blood pressure, headaches and back pain.

Given that most family members begin providing care to their loved ones without training or counseling, they often are not aware of the overwhelming stress associated with it. For many, caregiving is not the only role they are filling as adults. Most are married or living with a partner, have a full time job and children at home. Thus, friends, family, spouses and even family caregivers themselves should be aware of the stress associated with caring for a loved one.

Fortunately for family members, there are steps that can be taken to help alleviate some of the pressures associated with caring for others. Most of these steps are centered around self-care and personal well-being, as staying healthy while caring for a loved one is of supreme importance. Some things that family member caregivers can focus on include: eating nutritious meals, exercising, engaging in social activities, finding time for personal relaxation as well as joining a support group.

It is important for caregivers to take the necessary steps to ensure that they get the proper nutrition, exercise and respite they need. On top of this, in-home care can also be a viable option for many families. Professional home care agencies have well trained staff available to provide support for a wide range of situations.

Seniors And Social Life – Where To Find Friends

To determine whether a senior is socially isolated or enjoys an active social life, we must first see where the senior resides, the organizations the senior belongs to and the activities she participates in.

Retirement Communities – Seniors residing in retirement communities can participate in a wide range of community organized activities that can help minimize isolation.

Apartments with gyms – Seniors living in apartments with gyms can exercise regularly and get to know the neighbors while doing so.

Golf or Tennis Clubs – Some golf clubs and tennis clubs provide these elder people with a social network as well as the opportunity to exercise.

Groups based on common interests – Some seniors enjoy meeting with others who share common interests such as gardening, knitting, sewing, discussing foreign policy, writing etc.

Are you a socially isolated senior citizen? Want social connections but don\’t know where to start? Here are some suggestions:

·         One can visit to the local senior center, where they offer lectures, classes and meals.

·         The local library is a wonderful meeting point for the seniors. The local library can provide book discussion groups as well as lectures and concerts.

·         Some local colleges and universities have special classes, concerts or other social activities for seniors. If seniors attend such classes, their minds will be occupied and they will not feel any sort of isolation from the society.

·         The local YMCA has movement classes for seniors.

·         One of the safest places where a senior member can engage himself are the health clubs. These health clubs have exercise and yoga classes for seniors.

·         Many civic, medical, educational and arts organizations look for volunteers. Senior members can act as volunteers to these organizations where they can meet a lot of like-minded people.

·         Affinity groups such as organizations or clubs for guitar players, singers, environmentalists, theatre actors can help the senior members to increase their social interactions.

·         The senior members can act as volunteers for churches, mosques, synagogues or any other religious organizations that offer adult education.

·         Widowed or divorced seniors who want companionship could consider online dating, which has connected more than one happy older couple. But don\’t always believe what you read in a profile. And it is helpful to follow your instincts — if something about the person doesn\’t feel right, don\’t pursue it.

It\’s never too late to get socially connected. Social interactions help with physical health as well. People with social connections tend to stay healthier. In home companion care is another great option for senior care, but both the persons are confided in a home, which prevents from any social interactions.

Re-work Your Life for a More Joyful Second Half!

What contribution do you want to make?

What exactly do you want to contribute to most now? What issues concern you the most? Where do you feel your natural gifts and talents can make the most difference in the world? Do you want to help children learn, feed the elderly, or help others with their financial problems?

The choice is yours. There are countless opportunities and choices to make in how we’ll spend our time during the second half of our lives.

Each choice we make will bring change and energy into our lives, while attracting what we are seeking. Examine for a moment how easy it has been thus far, to work only at thankless and unfulfilling jobs. Each new lackluster job just leads to the next, and so on.

This is your time to shine, and share your natural gifts with the world. Contributing in the areas of your life that interest you most is the best way to live an authentic second half. Where exactly do you want to contribute now?

What is most important to you?

What does your list of “most important” look like? Family, health, developing products, painting, helping families in need, travel?

You need to make an honest reassessment of what is most important in your life now. If you are like most people, before 40 this list was driven largely by external expectations. Now this needs to be an internal list driven by what you are most passionate about. What does your list look like?

Can you think of how you might align your life’s work around what is most important to you right now?

Notice, I said your life’s work. This is the difference between JUST a job and a vocation. When your work reflects what is most important to you, you never need to re-tire (get ready to be tired) — your life’s work stays with you until you stop breathing.

What could you do in your second half of life for as long as you are breathing? Answering this question will change the way you think about your life and your work.

How do you feel about you?

Notice your feelings about you. Take a step back, and in your mind’s eye, re-examine yourself from a distance. What do you notice? What do you love most about you? What areas would you like to change, and why? If you know the why, you can always figure out the “how” part later. The way you feel about yourself will have an impact on your emotions, which will impact on your thoughts, and on your body, right down to your individual cells. Those around you will feel the impact as well. Continue to focus on the areas you are most proud of, and make a commitment to change the areas that cause you some concern.

The better you feel about yourself, the better everyone else around you will look as well. As a result, you will attract more of what you seek in your life.

Have better brain synapses

Have you noticed that when you think a thought, you immediately start to think other, similar thoughts? Most of the time, we think a negative thought and then, before we know it, we start thinking more, similar negative thoughts. This is how the brain works.

Remember: you are the person running your wonderful brain. Start now to think of new possibilities for your work and your life. Do you want now, after 40, to become a brain surgeon, build boats, open a deli, or teach 4th grade? Why not? It only takes new possibilities, and new possibilities can happen with new thinking.

What work best fits you now?

In your second half of life, this is a much better question to ask.
Those silly job descriptions you used to try to conform to don’t work after 40. Now, it is much better to ask yourself what work best fits you. What work feels just right to you? Can you think of work that will be challenging to accomplish, and for which you also have the abilities and interests?

What kind of work makes you feel alive and joyful?

Sometimes, just like trying on new clothes, you have to start to try on new kinds of work. After all, after 40, just as your body has changed, your skills and priorities are a little different than they were when you were 25!

What are you most passionate about now!!

What are you most passionate about? What things or activities give you the most energy and excitement, and leave you breathless for more?

This is a great place to start. For example, does yoga make you feel so great, you just wish it would never end? Well, write down all the ideas you can come up with, around yoga as your work.

I get this question all the time — many people seem to think this will stump me: “What if I am passionate about sex?”

Well, great. Think of all the people in the world who have similar passions and interests around sex. You could be an educator, a healer, a facilitator, and there are countless products to sell in this area.

The point is that no subject you are passionate about should be off-limits, as long as it is legal, and doesn’t harm others or the environment.

Start with a short list of your passions. Walk around all day with this list, and just reflect and look around you — you will get many ideas

What would your perfect day be like?

This is a great exercise to try. Make a list, and imagine you could create a new typical day for yourself — one that you would be excited to repeat over and over again for the rest of your life. Start with when you wake, and plan it right through to when you go to sleep. How will your day go, and what will you do? Who will you be with?

Be careful, as the mind doesn’t know the difference between what is real and imagined when you think about your future. Whatever perfect day you write down, you will start to move towards it!

What can I do today?

Take small steps. Ensure that you are emotionally strong for this journey. You will need to stop caring what others think. Make sure those people close to you are supportive. If they are not, you will have to build up a better support team around you.

Think about money. How much money do you actually need vs. how much you want? There is a difference. Do you have a big retirement fund? I have great news!!! Now that you have decided to find your life’s work, you will never need to retire. Cash in that retirement fund now and use it!!! You will disappoint your financial advisors, but you will enhance your sense of control by deciding how you will use your money now.

Give yourself permission

Sometimes this is all it takes. Have you ever made a personal decision and immediately felt better? Well, this is exactly what you can do now with your work. Give yourself permission now to not settle for anything less than a joyful, passionate, authentic second half of life.

You will never look back, as you will start to create a more joyful second half of life that is just right for you.

I’ll be cheering you on as you go!

Craig Nathanson is the author of P Is For Perfect: Your Perfect Vocational Day and a coaching expert who works with people over forty. Craig’s new E-book, Discover and live your passion 365 days a year is a workshop in a box designed to help busy adults go insane with their work. Craig’s systematic approach, the trademark “Ten P” process,’’ helps people break free and move toward the work they love. Visit Craig’s online community at http://www.thevocationalcoach.com where you can take a class, get more ideas through Craig Nathanson’s books and CD’s, get some private coaching over the phone or read other stories of mid-life change and renewal.

Craig lives in Fairfax, California. His office is located at 6 School Street, suite 220, Fairfax, Ca 94930. You can reach him at 415-457-0550 or at craig@thevocationalcoach.com.

How Do You Want The Last Third Of Your Life To Be?

Have you heard the old saying? “If you don’t do it now it will catch up with you later”. But truer words were never been spoken about our lack of proper exercise and its impact on our life. It is really a life or death situation – do it or die some might say.

It seems strange that we are all so concerned about saving enough money and investing wisely during our working years to ensure financial security when we cease our working life. But what happens if we fail to maintain our body throughout the years and just when we have the time to do all the things we have looked forward to if breaks down?

What if you cannot take that trip you have dreamed about, or what if you cannot play tennis or golf like you have always wanted? Or what about your plans to knock the garden into shape or the hobby you are keen to get started with?

You may not plan on being very active after you retire but how do you think your life would be affected if you have a chronic disease or back or hip pain, or some other nagging ailment or disability that demands much of your time and attention? How would life be if it revolved around doctor’s rooms, tests, specialists and hospitals?

You might be years or even decades away from the end of your working life and retirement but it is useful to ask the question: ” Am I doing what I need to be doing to ensure a well and functional future for myself?” Just as we should prepare for our financial future we should prepare of our muscle, joint, health and wellness future.

It is not down to ‘Lady Luck” but down to what we do and don’t do on a daily basis. Are you confident you are doing enough to ensure your health span equals your life span?

What we would all like to have as long as possible is a strong well functioning body that is disease free and doesn’t hurt. It should allow us to all of the physical activities and things we enjoy. But this is a high goal and doesn’t happen without proper exercise to keep our muscles and joints strong as well as entire body and its systems.

We are aware now that what we used to believe was a natural part of the aging process is nothing more than a lack of enough muscle building and maintaining activity throughout our adult years. Like it or not the older you are the more you need a regular proper exercise program.

If you don’t you will lose physical functioning slowly (or not so slowly) over time, become weaker, your body composition (muscle/fat ratio) will change unfavorably, your energy will decrease and you will fall headlong down the spiral of accelerated aging. Not exactly a good scenario for a healthy and ‘fun’ retirement.

Think of your exercise program that contains mostly strength training exercise as better than ‘money in the bank’ as it will reduce medical costs, minimize the need for long term care and protect family, friends and society from the burden of having to take care of you.

The vitality and vigor that your active strong life will give you represents the very best investment you can make. An extended life with higher quality active living is something no amount of money can buy you. The human body does not wear out it rusts out. You will determine if you spend the final years of your life in a nursing home, or independently, enjoying a full active life. The choice is yours and yours alone.

Fitness in Your Fifties – Loving Life

Do you realize that in 2012 years the first round of baby boomers will hit 65?!!  That used to be the age that people officially retired.  Of course the retirement age has been raised and I don’t think the baby boomers are going to be like 65 year olds of the past!  There has been a lot of research done on how the aging process has changed.  They are now calling 50 the new 30.  This means that lifestyles and activities of today’s fifty year olds are equivalent to the 30 year olds of previous generations.

 

There is a wonderful organization called the Red Hat Society that was started in 2001 by a group of women that were all over 50 and felt that life still had a lot to offer.  To quote the founder, Sue Ellen Cooper, “The Red Hat Society began as a result of a few women deciding to greet middle age with verve, humor and elan. We believe silliness is the comedy relief of life, and since we are all in it together, we might as well join red-gloved hands and go for the gusto together. Underneath the frivolity, we share a bond of affection, forged by common life experiences and a genuine enthusiasm for wherever life takes us next.”  It’s this attitude and love of life that will keep the 65+ crowd on their toes.  Even if they don’t live to be 100…the years they live beyond 65 will be active and fun…no rocking chairs for this generation!

 

Research shows that belong to an organization like this gives older adults a reason to get out of the house…get dressed up…get moving.  One of the things that prematurely can age someone is inactivity.  If all you do is sit at home and watch TV, your body and your mind will start to atrophy.  Instead all of us “older adults” need to get involved in organizations and activities that force us out of the house and give us a reason to be with other people.  One of the big things that takes place when you get groups of people together for fun…is laughter.  Laughter is amazing for our well being.  It takes much less effort to laugh than to wince or frown and it uses so many of our abdominal muscles.  Think of how much it hurts to laugh after you’ve had any surgery that affects your abdominal area.  Joining a group that has women (or men) that span several decades makes things interesting.  It teaches the younger members of the group that you don’t have to go quietly into old age.  Have you ever taken an aerobics class with 70-80 year olds?  It’s inspirational!  It’s amazing to hear someone 70 years old talk about having problems with her mother…hey that means her mother is in her 90’s!  Staying connected to others increases our life expectancy.  A network of friends is important at any age, but especially after the age of 50.  It’s someone to look in on you…someone to be accountable to…someone to share life’s trials and tribulations with.  There is a growing body of women 50+ who are single and plan to stay that way.  These are active, professional women.  They enjoy their freedom, as well as the companionship of the opposite gender.  These women will be turning the definition of aging on its ear!  Many of these women are shakers and movers in their communities.  They are often the “super volunteers”.  These women have a lot to give and they give of themselves whole-heartedly.  In turn the benefits they reap continue to help them stay young and connected to friends and family.

 

If you are over 50 and don’t belong to any organizations (this can be a class at the Y, a church group, a sports team, a bridge club, a service organization, a hiking group, etc.) you need to make the promise to yourself to find one you like and join before the summer is over.  You will make new friends, expand your horizons, challenge your mind and in general feel better about life.  If you don’t know where to begin, the internet is a great resource.  Type in some keywords of activities you are interested in and your hometown.  You’ll be amazed at what will pop up.  Being fit at this age is so much more than working out!

Retire From Work, Not From Life

One of your biggest fears of retirement may not be giving up the hustle and bustle of the working world but remaining socially connected. After all, with your coworkers, you have likely made some close personal friendships. You likely treasure them and consider them as closer (if not closer) than your family members and other friends outside the work force.

Well, we’re here to tell you that you don’t need to feel this way. You can still maintain these friendships and develop new friendships as well. You can stay socially connected during retirement and don’t have to alienate yourself. To do so, you simply have to be willing to put forth the effort. In this article, we’ll discuss 10 proven ways to stay connected during retirement.

• Stay in touch with ex-colleagues – There’s no getting around it, your coworkers are important to you and therefore you should stay connected to them. Make sure that you contact them by phone or meet your friends for lunch dates. Not only will this keep your connection strong but it will also ensure that you remain up to date on past work happenings and keep your friends from work.

• Create meaningful relationships – Besides ex colleagues, now is the time to create new meaningful relationships. To do this, you should connect with family, friends and neighbors too. Perhaps you can engage in after-retirement activities that will enable you to improve these relationships.

• Foster relationship with your spouse – Now that you’re retired, you should have more time to spend with your spouse. Take some time to get romantic with them. See if the two of you can re-spark a flame or perhaps develop mutual interests.

• Build a strong social network – This can be accomplished by volunteering at your favorite non profit organization, enrolling in a class, or joining a group.

• Join clubs – You can connect with like-minded people by joining a club or a social group. Just make sure that it is an actitivy that you would enjoy and will get excited about.

• Participate in community service – You can remain connected to people of various dimensions by assisting with some community service projects. For instance, perhaps you can arrange to clean up the parks on Earth Day or participate in the Why Me Cancer Walk.

• Participate in volunteer work – Join a worthy cause to be in touch with people. Try to help the deprived and lesser privileged. Alternatively, you can spread awareness about the burning issues that concern people around you. It will be an enriching experience for you too.

• Explore a hobby – In exploring this hobby, join a group of people who also have this interest such as a knitting club or ski club. This will increase your interaction with people with similar interests.

• Re-educate yourself – Participate in classes that you can learn something new with other people. Make sure that you keep a positive and friendly attitude and you’ll meet new people all the time.

• Connect with family- This is a wonderful way to remain connected with your children, and your grand children, with whom you may not have fostered a close relationship during your working life. You can’t start any sooner, so cease the moment right now and you’ll be happy that you took the time.

In conclusion, you can remain connected during retirement. You simply have to be willing to connect with family, re-educate yourself, join a hobby, participate in community service activities, volunteer, join clubs, build a new network, stay in touch with ex-colleagues, foster relationships with your spouse, connect with family, and create meaningful relationships.

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