How Senior Care Benefits The Elderly And Close Family Members

kid pushing grandma

According to research carried out by the Families and Work Institute, about two in every five Americans care for aging family members. This means they either live with their elderly loved ones or act as primary caregivers for their aging family members. Below is a look at how senior care can benefit the life of the senior and the lives of the family members that are left to help take care of them.

 Professional Senior Care

In most cases, children who take care of their aging parents or grandparents do not undergo training in senior care provision. As a result, they tend to have limited knowledge of certain elderly care procedures such as management of bedridden individuals to prevent the development of bedsores. This is where finding a local Pheonix senior care assistant can come in handy. These professionals undergo extensive training, which means they can provide quality care to seniors.

 Minimal Family-Work Life Disruption

Employers in the US worry about the productivity of employees who have to juggle work and taking care of elderly loved ones according to a Forbes magazine article. To avoid work-family life conflicts, the 2014 National Study of Employers found that 43% of employers offer employees help in finding resources and information about elder care. You can use such help and resources to hire a care provider to take care of your parents/grandparents. This will allow you to focus on work without distractions.

 Save Money

Contrary to popular belief, hiring senior care helpers can help you can save money in several ways. Firstly, you could save money by taking advantage of employer-sponsored Dependent Care Assistance Plans. The 2014 National Study of Employers found that 53% of large American employers offer their employees such plans. On the other hand, 38% of SMBs offer similar plans to employees.

Secondly, you could save money by hiring a home care service provider. A study carried out by John Hancock Financial found that the average annual cost of home care services is $37,440. In comparison, the average cost of nursing home care ranges from $75,555 to $85,775 per year. These figures show that you can save about $40,000 annually by hiring a qualified individual to provide home-based elderly care services.

 Quality Lifestyle during Sunset Years

Senior care at home allows the elderly to enjoy and lead quality lifestyles during their sunset years. There are three main reasons why this is so. To start with, they can spend their sunset years surrounded by loved ones instead of strangers and fellow seniors at nursing facilities. Secondly, they can age in familiar surroundings. Thirdly, they do not have to worry about suffering physical, emotional, or even sexual abuse from caregivers. Family members can intervene if concerns arise about home care.

Save Time

By hiring a home care professional, you will enjoy great time-saving benefits. Remember, taking care of an elderly loved one can be taxing time-wise. This is especially true if a senior has a medical condition that requires round-the-clock management. Good examples of such conditions include neurodegenerative diseases such as dementia and Alzheimer’s disease. In this case, a caregiver can shoulder the responsibility of watching over a loved one while you attend to household chores, run errands, or go to work.


The elderly have unique needs that in many instances require specialized care. Only a trained and experienced elder care professional can provide quality care. This approach has benefits such as better healthcare, saving time, saving money, and allowing an elderly loved one to lead quality lifestyle during sunset years.

Car Insurance Tips for Seniors

Selecting top car insurance companies in Central Virginia can be tough given the myriad vehicle-coverage ads that a potential customer is likely to come across. Nevertheless, this exercise is necessary because all states require vehicle owners to have at least the minimum acceptable level of coverage. Below are tips on how to choose the right car insurance company and the different levels of coverage available on the Richmond, Henrico, and Short Pump market today.


cool car


Although most people avoid auto insurance with high deductibles, such coverage is not necessarily bad. This is because higher deductibles could help lower your monthly premiums. In fact, states that choosing a car cover with high deductibles could translate to savings of up to 40%. For this reason, look for a company that offers a wide range of deductible options, like those of Insurance Doctor of Richmond.


Types of Coverage

Look for an insurer that offers different products and more importantly, the products should comply with your state’s vehicle insurance requirements as well as regulations. For instance, most states require minimum car coverage of about $40,000 though a few states require as much as $100,000. With this in mind, common types of car coverage include:


  • Liability Coverage – This coverage will pay for liability costs in the event it is determined you are the at-fault-party. However, it will not cover people in your car who may have sustained injuries.


  • Property Damage Liability (PDL) – Another coverage that would come in handy in the event you are the at-fault party in an accident is property damage liability. Some insurers offer this coverage together with bodily injury liability (BIL) while others offer it as a standalone policy.


  • Bodily Injury Liability (BIL) – BIL covers the medical expenses of people injured in an accident where you are the at-fault party. According to the Wall Street Journal (WSJ), insurers tend to categorize BIL policies as “20/50″ or “100/300″. These figures show the maximum amount of money an insurer would pay to cover the medical expenses of an individual and multiple people injured in an accident.


  • Collision Coverage – This policy covers the cost of repairing a car damaged in a traffic accident.


  • Comprehensive Coverage – Comprehensive coverage covers the cost of damages to your car sustained in an event other than a road accident. This means damage attributable to vandalism, theft, fire, natural disasters, or falling objects.


  • Personal Injury Protection (PIP) – PIP will cover the medical expenses of a driver and passengers who sustain injuries in an accident. It can also cover lost wages.


  • Uninsured/Underinsured Coverage – This coverage takes care of expenses arising from an accident caused by an uninsured/underinsured at-fault-party.


Financial Standing


Choose an insurer with a sound financial base. Visit sites run by rating companies like J.D. Power, A.M. Best, and Standard & Poor’s to check the financial stability of car insurance companies. A higher rating (A or AAA+) typically denotes a good company and vice versa. You could also visit the Better Business Bureau (BBB) website to check the reputation of an insurer.



On the premium front, the rule of thumb is to shop around and compare quotes from different insurers. This will help you choose a suitable car or motorcycle insurance firm. However, do not go for an insurance company that quotes the lowest monthly premiums.



When looking for cheap care insurance, consider factors such as product offerings, monthly premiums, deductibles, and financial standing. Common types of auto insurance policies include comprehensive, collision, bodily injury liability, personal injury protection, uninsured/underinsured, liability, and property damage liability.

Seniors Infertility Solutions

SHS picturIf you’re ready to start the next step in your senior life’s journey, you’ll want to start on the right foot. Pregnancy can be both an amazing and stressful time for new parents, that’s why choosing the right caregiver for your pregnancy is so crucial to your success. For those seeking the senior care services of a fertility clinic in Phoenix AZ, the options and services available to them might seem lackluster and at the same time overwhelming. It’s important to remember that there is no one best fertility treatment center– rather just a clinic that’s right for you.

Many senior couples seek the services of a Fertility clinic, for a wide variety of reasons. One couple many need advice for preserving embryos for a future child, another may be seeking help conceiving. No matter your reason, choosing a well-qualified, state-of-the-art facility is key to your success. However, before you drive to just any clinic or fertility doctor, you’ll need to do some research first. Letting your fingers do the walking with online research will save you time and energy. Don’t know where to start? Here’s an updated list of services to help you narrow your choices in clinics.

The Center for Disease Control

Located on their website the CDC maintains a list of all fertility clinics that are licensed within your area. They also release the success rate, credentials, and other important information for you to consider. While the numbers don’t give you a perfect view of your options they do provide hard data for you to base your search on.   However, success is only one aspect of a very complex situation, while it’s helpful to know that your center meets or exceeds the national average you’ll also need to understand their practices.

Your Health Insurance Company

baby boy big eyesBefore you go any future, you’re going to want to find out which centers are covered under your insurance. Fertility treatments can be an expensive and long process, however, they’re usually covered in some form on most insurance plans. Compare the list of treatment facilities to your list of high performing centers in your area and focus on those that match up!

Start Calling Infertility Treatment Centers

Once you’re armed with information about the infertility clinics in the Phoenix AZ area, it’s time to start talking to them personally. Call each fertility clinic and schedule a time to meet with a representative — let them know you’re just looking and would like to ask a few questions. How they react and treat you now will be an excellent determination of how they’ll treat you once you’re a patient.

Here are some great questions to get you started:

  1.  What tests do you recommend?
  2. Do your treatments carry the possibility of a multiple-birth?
  3. If your treatment doesn’t work, what will happen then?
  4. How long have the doctors and staff been at this clinic? (A high turnover or a recent change may mean the CDC’s information is inaccurate.)

Making a choice

Once you have all the information the ball rests firmly in your hands. Each family is different and there’s no one right clinic for every patient. You should choose a doctor that understands your concerns, listens and answers your questions, and takes the time to explain in detail your options, rights, and treatments. The right fit for you will be the one you feel most comfortable with, and the infertility specialist who is willing to work with you to help persevere.

Planning an Awesome Retirement Party

So after years and years of hard work, you’re finally retiring — congratulations! Now begins a time in your life purely devoted to much earned relaxation, reflection, and reuniting with family and friends. There is no better reason or occasion to celebrate than the close of a fulfilling career, and the start of uninterrupted vacation. So where do you start with planning the part to end (or begin) all parties? Here are a few ideas to get your festivities underway:Retirement

  1. Set up a budget. How much you’re willing to spend might be dependent on the size of your retirement savings — create a budget, and stick to it.
  2. Make a list of people you’d like to invite. Think of friends, family members, coworkers, bosses — these are all people who would love to celebrate your accomplishments with you.
  3. Consider having a theme. Are you planning on spending your retirement sprawled out on exotic beaches? Have an island theme! Party activities, food, and decorations can coordinate with the theme.
  4. Catering or BYO? Determine if it’s in your budget to hire a caterer. Suburban Eats, for example, offers catering in Plainview NY for large parties. Or for a tight budget, have guests bring a tray of their favorite dish to share.
  5. Share photos with guests. Create a slideshow of photos from your career that can be played continuously in the background at the party.
  6. Provide a guestbook that guests can sign with memories and best wishes.
  7. Design “business cards” with updated contact information to include in goodie bags.
  8. Enlist a friend, family member, or coworker to help you plan. They can help take some of the load off, and plan various surprises and toasts for you.

No matter what your budget is, or what you have in mind for your retirement party, the important thing is to have fun and reflect on all the positive memories of your career. A party will provide a great feeling of closure, and kick off the beginning of the rest of your life.

Senior Care Built With Companionship

When my father had a stroke last year, he was in the hospital for almost 6 weeks. Although I was worried about him, and wondered what the future held, I knew that while he was in the hospital he was getting 24-hour care. Then his doctor said that he was going to be released and wanted to know what the family’s plans were. His doctor explained that he was going to need help if he wanted to stay at home and live independently. Since my father is pretty stubborn, this took some explanation, and finally an ultimatum was given to him – either he hired help or he moved into aSenior Care for the Elderly retirement home. He reluctantly agreed to the help.

My dad’s doctor gave us the names and number of several different agencies. He explained that some were medical, while others were for non-medical senior care. My dad needed both, and at first I didn’t understand why. After a short time, however, the reason became quite apparent. While the nurses come and make sure that my dad has his medication, get him bathed and dressed and look after his general health, the non-medical senior care workers provided companionship. They ensure that his ‘mental’ health is looked after – playing cards with him, talking to him, and sometimes just sitting with him. Through extensively researching the agencies provided from my dad’s doctor we found that Seniors Helping Seniors of Jefferson County Colorado topped the list. They seemed to have wonderful reviews from their customers and had many locations around the states providing superior home care.

My dad was not very independent when he first arrived home, so these visits really helped him get through the day. The care workers would help prepare his dinner, play checkers with him, leaf through magazines, and just talk to him about his ‘younger’ days as a police office. They seemed genuinely interested in what he had to say and really listened to his concerns and questions as though they were one of his close friends.

He came to look forward to their visits and even has me go out and buy some chocolates or little gifts for them every once in a while, to show his appreciation. Seniors Helping Seniors of Jefferson Colorado has been the best thing that has happened to our family and I would definitely suggest anyone in need of home care to check these guys out. They are dedicated to their work and bring happiness into everyone’s life that they help.