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Posts Tagged ‘retirement plannning’

The Insurance You Need After Retirement

The Insurance You Need After Retirement - The Insurance You Need After Retirement

After you retire, you need to make some major changes to your life, apart from the obvious ones. After you stop working for good, you’re likely to find yourself with new pastimes, new spending habits, new routines and perhaps even a new home. As a result, you need to remember that your insurance coverage is probably becoming less and less adequate, so you may need to update or change your insurance policies in order to reflect your new retired life.

Financial planner Benjamin Sullivan recommends that seniors shouldn’t rush to cancel their insurance, but should have a serious think about their future and insurability. He explains:

“There isn’t a one-size-fits-all answer. The standard wisdom might be the exact opposite of what’s best for the specific individual.”

There are lots of ways your insurance policies could change after you retire, but here are some very important ones to think about!

Medical insurance

As retirees age, it’s obvious that they need some decent medical insurance. Older people tend to require more medical treatments and drugs, meaning that their medical bills will soon pile up if they don’t have a good health insurance plan in place. Also, according to the ACA, basically every US citizen must have health insurance or face potentially devastating fines.

Luckily, most senior citizens who are 65 or older are eligible for Medicare coverage, while those who are still employed may have similar benefits through their employer’s employee health plan. Although it’s good that Medicare exists, it can be better to stick with your private health insurance plan, so be sure to bear this in mind and draw some comparisons.

If you don’t want to apply for Medicare when you reach 65 because you have a private policy in place, be sure to inform the authorities that you will be waiving your right to Medicare. If you forget, you could face a fine for “late enrollment” despite not having plans to enroll in it at all!

Renters or homeowners insurance

Renters or homeowners insurance protects your possessions within your home and also gives you liability coverage too. If you’ve bought some new items in your retirement, such as expensive jewelry, it may be worth taking another look at your renters or homeowners insurance.

Auto insurance

As you get older, you may find that your auto insurance premiums rise due to things such as eyesight problems or hearing problems. If this is the case, it may be wise to worth with an insurance broker who can get you a competitive deal for your age.

Need help with new insurance policies after retiring? Get in touch with our team today!

Retiring Soon? How To Plan For It.

18 07 S Retiring Soon How To Plan For It. - Retiring Soon? How To Plan For It.

Although retirement advice normally centers around doing some new hobbies or going on a dream vacation, attorney Natalie Choate thinks that new retirees should slow down and get the boring stuff out of the way first. She states:

“Take a minute or a rainy weekend and do something boring. Find and organize all your retirement plan records. You can save yourself and your heirs a lot of trouble (and money) just by doing some paperwork.”

Although it’s not the romantic version of retirement, she certainly has a valid point. These days, people are more responsible for their own retirement funds, what with 401(k)s and IRAs which need to be carefully managed in order to extract their full value. This shift toward non-private pensions means that retirees need to be more financially savvy when it comes to their retirement fund.

Investments and stocks

If you’re looking for a decent retirement nest egg, it’s important to make some smart investments. A smart investment strategy, particularly one which operates via automated withdrawals to tax-deferred retirement accounts (like your 401k) can help you to easily build up funds in a low-risk and low-tax manner. Although the stock market is inherently volatile and there are fears of another 2008-esque crash, the stock market’s current state means that many stocks are “on sale” and are thus more affordable for people looking to secure their future retirement finances, regardless of their age.

Of course, you should always be wary of the stock market if you’re nearing retirement, as a steep market pullback could obliterate your savings if you are drawing down your portfolio. This risk could be mitigated by using cash, but experts recommend taking a middle-ground approach at the moment due to unimpressive cash yields. Robert Westley, VP and Wealth Advisor, explains:

“During bull markets, like the one we have been experiencing, clients often forget the importance of holding fixed income in their portfolios. Investors should utilize prudent asset location planning when determining where to hold their target equity and fixed income exposure”.

He goes on to explain that asset location planning requires considering the different tax characteristics of asset classes and their accounts/vehicles where they are held. Doing this helps you to gain an improved after-tax return rate, which is ideal when trying to save up as much as possible.


Social security

Despite changing measures and tax reform, retirees’ dependence on social security remains high. Luckily, favorable taxation policies and inflation protections are helping to keep social security a strong cash flow source for retirees, guaranteeing them payouts until the day they die.

Furthermore, regulations on mixing social security with regular retirement accounts and savings have been relaxed in recent years, allowing you to still receive social security money from the government while harnessing your own financial power and retirement savings.

Taxes

Ed Slott, a CPA from New York, states: “Taxes are the single biggest factor in how much you can spend in retirement.” As tax reforms have begun pressuring states to tax their citizens more than ever before, retirement income becomes a big issue for those who no longer have the capacity to work. State and local tax (SALT) deductions are still capped at $10,000 per year in some states, which may make them attractive states for people to retire to if they want to minimize their tax liability and financial burden in their older age. Slott explains the complications of the current tax system for retirees:

“The IRS recently explained that conversions from 2017 can be reversed, completely or partially, until this Oct. 15. From now on, this type of recharacterization won’t be allowed.”

This means that your IRA conversions should ideally be processed late in the year, as then they will be able to grab a lower tax rate. New tax laws also mean that federal estate tax exemptions have been increased to roughly $11 million, leaving many retirees with less to worry about when it comes to planning their estates for their loved ones.

Planning for your retirement is inevitably a complicated and multifaceted process, requiring financial knowledge in multiple areas. If you’re looking for help with planning your retirement effectively, contact us today for bespoke advice.

Retiring in 2018? Do This First.

Retiring in 2018 Do This First. - Retiring in 2018? Do This First.

If you’re thinking of retiring in 2018, here we suggest a few things which you should consider carefully before deciding to close the working chapter of your life for good.

Consider whether your savings are adequate

As our life expectancies continue to lengthen, it is more important than ever to do the math and make sure that you have enough money to support you for many years or even decades into the future. You could do this, for example, by getting an annuity, which acts as a sort-of post-work salary that you receive on a regular basis. You could also use the IRS Required Minimum Distribution (RMD) tables to help you, with these RMD tables specifying the amount of money you have to withdraw from tax-advantaged retirement accounts every year starting at the age of 70 ½. This method is more responsive to market fluctuations than some other methods, making it ideal.

When deciding whether your savings are adequate, be sure to take absolutely all of your expenses into consideration. As well as your bare-bones living costs and bills, be sure to consider things such as healthcare, food, vacations, gifts, and more. You may have to allocate more money for casual spending than you do right now, as many retirees suddenly find themselves spending money more easily in their free time, despite their best intentions to be thrifty. It’s easy to get bored and spend money when you’re retired, so don’t forget this!

Find out whether you are entitled to Social Security

Most US citizens rely on Social Security as a major means of retirement income, although some may use it as an additional source of post-work income. The age at which your retire affects your Social Security benefit amounts, so bear in mind that FRA (full retirement age) varies according to your birth year due to changed policies. If you were born 1943-1954 then it’s 66 and if you were born in 1960 or later then it’s 67.

Retiring before FRA is possible, but your Social Security benefits will be reduced by 5/9 of 1% per month up to 36 months early. It will also be reduced by 5/12 of 1% per month beyond 36 months early. You can claim Social Security benefits as early as 62, but you’ll receive considerably less income than if you retire at FRA or even later, with people retiring at 70 maxing out their monthly checks. The longer you wait to retire, the more you’ll receive in benefits, but this isn’t necessarily the right choice for everyone.

Think about your healthcare costs

Unless you plan on moving to Canada or Europe sometime soon, you’re going to have to think about your healthcare costs as you age. Although Medicare can help you if you’re 65 or older, there is a cornucopia of healthcare costs which Medicare doesn’t cover, such as eye/ear care and nursing home fees. Seniors also face sky-high premiums on insurance policies due to their age, so bear this in mind too. It may be worth looking into Obamacare to help with your healthcare coverage.

Assess your tax situation

You are still taxed when you take money out of your retirement accounts, so be sure to plan for this. The only exceptions are funds coming from a Roth 401(k) or Roth IRA. Recent tax reform passed in 2017 has made changes to tax rates and tax deductions, so it’s important to assess your complete tax liability following your retirement. For example, depending on your income, your Social Security checks may be taxable up to a certain degree, so be aware of what’s going on.

Have a plan

Although you probably want to rest up a bit, retirement shouldn’t be seen as an empty void of time! It’s important to think about how you’re going to keep yourself entertained and socially plugged in, with loneliness and boredom being major problems for a lot of retired people. Retirement may be a good time to join some clubs and take up some new hobbies, keeping your life engaging and interesting!

If you’re thinking about retiring but aren’t sure, speak to a member of our team who can offer you advice on taxes, insurance, income, and much more.

Retirement Planning Mistakes You Need to Avoid

Retirement Planning Mistakes You Need to Avoid - Retirement Planning Mistakes You Need to Avoid

Retirement can seem like it’s lightyears away, but the decades can creep by faster than you might suspect. As a result, it is imperative that you start planning for your retirement sooner rather than later. Here are some retirement-planning mistakes that you need to avoid at all costs!

1. Waiting

According to the American Psychological Association, finances consistently ranks as the #1 stress-inducing factor of US citizens’ lives, and this is something which is unlikely to go away with age. As a result, it is important to plan for our financial futures sooner rather than later. The key is to make decisions now that your future retired self will thank you for. Whether it’s setting up your 401k or meeting with a financial advisor to discuss savings, don’t wait to start planning for your eventual retirement safety net.

2. Being unrealistic

Making a retirement plan is difficult when you’re relatively young, as you have to make lots of assumptions about your financial future and your projected cash-flow for the next few decades. Although it’s easy to assume that you’re going to put away X amount of money every month for 30 years, there will always be unexpected expenses and costs that crop up in your life, whether it’s a new car, new house, or a yearly vacation. It’s also important to take inflation into account and consider making wise investments in order to curb this problem.

3. Forgetting about your quality of life

When talking about your future finances, it’s inevitably important to crunch the numbers and spit out some cold, hard statistics. We might want to maximize our savings over our lives and live as thriftily as possible, but is that the way you really want to live your entire life? Avoiding vacations and treats could save you a lot of money, but you could throw the best years of your life away by living like a pauper and not enjoying yourself. Be sure to allocate some money for fun and enjoyment – life is short and it should still be enjoyed to some degree!

4. Spousal disagreements

Before you start planning for retirement, be sure to talk to your spouse about your future retirement and what you envision for yourself and them too. It’s better to have these conversations early and strive toward mutual goals which you can work toward and both be happy with. If one of you wants to work until the day you die, now is the time to address this issue and ensure that you are both happy many years into the future.

5. Overlooking short-term goals

Of course, retirement is a very important aspect of your financial planning, and it is undoubtedly the one which stretches out the furthest into the future, making it seem rather daunting and omnipresent. Despite the presence of retirement looming over you when you look into your finances, it’s also important to plan for your own short-term financial and personal goals too. Short-term goals obviously depend largely on your lifestyle and future plans, but should be taken into account nonetheless.

For example, if you plan to have children in the near future, you can bet that you’re going to be making numerous shorter-term financial goals which focus on raising your children and putting money away for their college tuition in 18 years’ time. Mortgages and auto expenses are also other important short-term factors, and of course, you need to have a “rainy day fund” for things such as medical issues and crucial home improvements.

Furthermore, as mentioned previously, you need to set some money aside for enjoying yourself and having some fun in your day-to-day life! Just because you want to save up for your retirement fund doesn’t mean you can’t put some money away for that dream vacation you keep thinking about. Even if you retire wealthily, wouldn’t you prefer to look back on your life and know that you enjoyed it?

Saving up for retirement is a long-term plan which likely needs re-assessing from time to time as things change and the economy adapts. If you need help with your retirement fund and making wise decisions, why not give one of our team a call today?

Revealing the Secrets for the Best Retirement Now

18 05 S Secrets for a Better Retirement Now - Revealing the Secrets for the Best Retirement Now

Retirement is one of the biggest lifestyle changes that you’ll ever go through. Going from a committed timetable of work to having your days free, is a major adjustment.

Thankfully, there are endless ways to make full use of your time during retirement, and even change your financial situation.

Take a look at our top three ways to unleash the potential of your retirement in 2018:

 

Treat Yourself to the Trip of Your Dreams

One of the best ways to start your retirement off right is to take the trip of your dreams, the one that you may have been planning for years but have never quite found the time to go on. A big trip is the perfect time to enjoy new experiences that you’ve always wanted to explore, be it snorkeling, skiing, sky diving, or just relaxing on the beach.

Of course, big trips don’t come cheap, and if you’re concerned about finances in retirement, then it’s worth making full use of the financial planning tools available. Using a financial planner can help you to stay on top of big expenses, like trips abroad, and make sure that you’re not spending more than what your budget allows.

 

Take the Time to Make New Friends

Retirement is something that everyone goes through, which means that there is going to be a lot of people in the same situation as you close by. Making new friends can stop the feelings of loneliness that many people go through when they suddenly find themselves adjusting to the changes to their daily routine, and naturally spending less time around other people.

There are multiple groups designed to help you make friends in retirement if you’re not sure where to start. Affinity groups can make it easier to meet new people and form close bonds through your retirement that’ll make the new lifestyle much more enjoyable and sociable. Websites like Meetup.com and volunteermatch.org, are wonderful places to check out.

 

Keep a Check on How Much You’re Spending

While retirement may mean an end to the 9 to 5 routine, it doesn’t mean that financial responsibilities and planning are also at an end. It’s normal to be concerned about spending during retirement. One of the best ways to combat the problem of finances is to start living off income generated through savings, rather than reducing your main funds.

For individuals that can’t survive solely off income generated, then a 4% annual withdrawal limit is the bar set to make sure that funds don’t run out later in your retirement. This means that avoiding certain big purchases can sometimes be a must.

There are multiple tools that can help you to evaluate your spending and make sure that you aren’t spending too much, but it can also be wise to reduce spending where possible. You can implement a spending plan to help reduce expenditure on things you might be paying too much for, like insurance coverage, hobbies that you no longer enjoy, and food costs.

If you need help making sure that your insurance coverage is right for you, or you want to try and reduce the cost of your essential insurances, then please give us a call today.

Is It a Good Time to Retire? Retiring in 2018 or 2019

18 05 S Should you retire in 2018 or 2019 - Is It a Good Time to Retire? Retiring in 2018 or 2019

Retiring gives you the freedom to go out and pursue your dreams and finally have the time to really enjoy yourself. However, it’s a big decision. If you’re considering retiring in 2018 or 2019, there are some major things that you should consider first.

Are Your Savings Substantial Enough?

The first big consideration is the size of your savings, and especially, how long they will be able to last. To work out whether your savings are substantial enough for you to be able to live on the income, and still have some spare to enjoy yourself, there are a number of methods that you can use:

  • IRS Required Minimum Distribution (RMD) Tables – From 70 ½ years of age, RMD tables will be able to specify the exact amount that you have to withdraw from your tax-advantaged retirement accounts on a yearly basis.
  • Annuities Shopping – Despite potentially high fees, annuities can give you a retirement income that is guaranteed. Picking an annuity, like a deferred fixed annuity, can help you gain a reliable retirement income.
  • Percentage-Based Rule – Using the 2.5% to 3% rule means that you withdraw that amount each year and increase for inflation. If you can survive on that amount, then your savings are likely to be the right size for retirement.

It’s worth taking a look at all of the different methods for calculating whether your savings are big enough. Many people spend much more than they were expecting in the first years of retirement, so it’s important to factor that it, as well as all the new expenses that you might not be used to paying, and those that you’ll no longer have to pay.

Does Social Security Factor into Your Retirement Plan?

Some people choose to use their social security benefits at the start of retirement, whilst others choose to wait. If you know that you’re going to need your social security benefits, that it’s important to really consider your retirement age.

If you retire after you’re 66 (for those with birthdates between 1943 and 1954), or 67 (if you were born after 1960), then you’ll meet the Full Retirement Age (FRA). Not meeting the FRA means that you’ll have to sacrifice part of your social security benefits. If you wait until you’re 70 years of age, you’ll have fully maxed out your social security benefits.

Can You Cover the Extra Costs of Healthcare?

Anyone who retired after the age of 65 is entitled to Medicare, but this doesn’t cover everything. From the cost of hearing aids to nursing homes, there are a range of things that Medicare won’t cover. Coinsurance costs and expensive premiums also have to factor into your expenses and budgets in retirement.

According to the Employee Benefit Research Institute, for a 90% chance of fully accounting for your costs for healthcare after retirement, you’ll need savings of about $370,000. High premiums may also have to be paid, even if you qualify for subsidized coverage.

How Does the Tax Situation Differ?

With the exception of funds held in a Roth IRA or Roth 401(k), withdrawals will still be taxed after retirement. It’s possible that up to an 85% tax rate will apply to your benefits, and you may have to pay tax on your social security benefits. When working out if 2018 or 2019 are the right years to retire in, it’s essential to work out how tax will influence your income and savings.

Is It the Right Time for You to Retire?

If you can safely say that your finances are in order and fully prepared for retirement, then 2018 or 2019 may just be the perfect time for you to retire. Still not sure whether your finances are in a suitable condition? If you’re worried about going into retirement, then it’s never too late to get your savings back on track for a worry-free retirement.

Always searching for ways to make your retirement easier? Call us today for advice and guidance about your personal insurances and how they might be different as you start considering retirement.

Hedging 7 big retirement risks

18 04 S Hedging 7 big retirement risks - Hedging 7 big retirement risks

Do you have enough money to last you throughout your retirement? A cornucopia of circumstances could easily see your retirement plans landing in the gutter, but here we offer you a look at some ways to reduce your retirement risks and look forward to your golden years without worry!

1. Plan to live for a long time

According to Stephen Horan, head of private wealth management for the CFA Institute and co-author of “The New Wealth Management”, the average American is currently likely to live to the ripe old age of 78. This is a big improvement on the 61-year life expectancy we could expect in the 1930s, when the Social Security program was first created.

If you exercise regularly, have a healthy diet, and have a history of longevity in your family, then you may see yourself getting closer and closer to a century of life. You should plan your life accordingly, aiming to save enough money to cover yourself if you do indeed live a very long time.

As Ken Fisher, CEO of Fisher Investments says:

“Overwhelmingly, the biggest [risk] is the risk of outliving your money. Most people underestimate the amount of time they’re going to live, and they invest as if they’re going to die in 10 years.”

2. Take inflation into account

Let’s say that inflation occurs at a relatively low rate of 3% a year. Over 20 years, your money will have lost half of its total purchasing power. Cash amounts that sit in a bank account untouched simply lose their buying power as inflation inevitably marches on.

It is therefore very advisable to invest in inflation-protected securities or other investments (such as real estate) which will rise in value along with inflation. Investments such as stocks and housing allow your assets to remain valuable as prices increase, assuming that there isn’t a sudden economic crash.

3. Diversify your portfolio

Remember to diversify your portfolio, as this minimizes your potential losses if a sudden crash happens in one area, such as the housing market. Diversifying your portfolio leaves you with options in hard economic times!

4. Consider reinvestment strategies

It’s possible that your investments will mature at an inopportune moment, so remain prepared at all times. For example, a bond may be called earlier than expected, such as at a time when too-low interest rates cannot replace your investment with another similar and profitable investment.

Avoid having all your investments coming due simultaneously, and ensure that you have something coming due every year which can be repositioned into long-term interest rates.

5. Be aware of the sequence of returns

Set aside two years’ worth of living expenses, with it acting as a sort of buffer. You can draw down from this cash when the market is down, as opposed to selling parts of your portfolio. Similarly, you can sell your investment at a profit when the market is up and doing well.

If you’re looking to cover those essential living expenses, you can also purchase annuities and other investments with guaranteed returns. This allows you to only deal with the sequence of returns when it comes to your excess funds.

6. Protect yourself against fraud

Fraudsters (both online and offline) love to prey on the elderly, as they run the risk of being “behind the times” in terms of technology, and also run the risk of becoming cognitively challenged as they get older and older. Some fraudsters are also just incredibly good at tricking people, regardless of their age or health.

While you’re still fit and able, be sure to educate yourself on how the financial professionals in your life operate. How are they paid for their services? Are you paying them a fair amount? Are they incentivized to upsell you on things you don’t really need?

Ensure that you understand the processes that are going on concerning your money, and similarly ensure that you completely trust everyone who has access to (or control) of your finances in some way, shape, or form.

7. Understand tax implications

Good financial advisors will help you to withdraw from your investments without causing major damage to your financial portfolio. This financial advisor should also understand the tax implications of any investments of purchases too. Depending on where you live, your financial situation, and your circumstances, you could see yourself paying unreasonable amounts in taxes if you make unwise purchases and investments. Americans pay thousands of dollars in taxes every year, so you need to ensure that the pros outweigh the cons when it comes to your assets’ tax implications.

Trying to find more ways to protect your retirement nest egg? The economy can take unexpected turns, so it’s important to have a foolproof financial plan in place for your golden years. Get in touch today for more advice about hedging your retirement risks!

Best Travel Medical Insurance for Seniors

18 04 S Best Travel Medical Insurance for Seniors - Best Travel Medical Insurance for Seniors

You may wish to do some international traveling during your golden years, but you may find yourself being charged ludicrous amounts for travel insurance due to your age. Here we offer you some advice on getting the best travel insurance policies as a senior citizen!

What coverage do senior travelers require?

You need to review your health before you purchase medical travel insurance, as you’ll definitely be asked about it. You also need to take into account any strenuous activities you may be undertaking during your time abroad, as well as the amount of time you will be away for. The costs for senior travel insurance will vary from country to country and provider to provider, so be sure to shop around. Generally speaking, your Medicare or other US-based health plans will not have any power abroad, so be sure to take this into account.

What are the travel insurance requirements for those who are 65 or older?

If you are 65 or older, your senior travel insurance plan should include emergency evacuations, repatriation of remains, hospital room and board expenses, ambulance service expenses, trip interruption or delays costs, loss of luggage or personal effects cover, and accidental death coverage. Many of these things are required for regular travel insurance too, but seniors have some additional risks that need to be taken into consideration due to their age and potential health problems.

Finding the right travel insurance plan for seniors

The majority of travel insurance providers will provide basic plans for seniors, with some also covering them under their normal plans. Age is a significant factor in calculating premiums, so be sure to check which age bracket you fall into for a particular company.

You’ll also need to ensure that your travel insurance covers the country(s) you’ll be traveling to, and be sure to keep in mind that some travel insurance providers offer higher deductibles or reduced maximums too. The 3 main types of travel insurance are emergency medical coverage, trip cancellation insurance, and 24-hour telephone assistance – be sure to assess which aspects you require the most.

As with buying regular travel insurance, it can be very useful to use an online comparison site in order to assess the different plans available to you. This allows you to weigh up the pros and cons of each plan, taking the costs and fees into account.

Recommendations for Senior Travel Insurance

From experience, we can immediately recommend Atlas Travel Medical and GlobeHopper Senior. These companies offer excellent customer service to seniors, as well as benefits which some other plans lack.

Atlas Travel Medical, for example, has maximum benefit sums of $1,000,000 up to age 70, $50,000-$100,000 up to age 80, and $10,000 for those who are 80 or over.

GlobeHopper Senior is set apart by its superior benefits, such as non-emergency medical evacuations, felonious battery benefits, and inter-facility transportation arrangements.

Whatever insurance provider you choose to go with, it’s important to choose senior travel insurance which protects you while you’re abroad. For more advice on the topic, get in touch with a member of our team today.

Should You Choose a Geriatrician for Primary Care?

18 03 S Should You Choose a Geriatrician for Primary Care - Should You Choose a Geriatrician for Primary Care?

Seniors are the fastest-growing segment of America’s population. By 2020, seniors will make up 16% of the U.S. population. As our nation continues to age, we’ll require more medical care and better access to medical services.

If you’re a senior, you know firsthand the specific medical needs that come with aging. So do geriatricians. As they specialize in helping seniors live healthy and balanced lives, they are the right medical professional to seek as you age.

If you have concerns with challenges listed below, it may be time to seek the help of a geriatrician…

 1. Frailty— It’s a nearly unpreventable part of aging, however frailty– defined by signs that include sudden weight loss, muscular tissue loss as well as weakness– could affect your capacity to live on your own. A geriatrician can help protect against or deal with frailty as well as creating a treatment strategy if necessary.

 2. Persistent medical problems— Managing multiple medical conditions is challenging. Joint inflammation, heart disease, diabetes, amnesia and mental deterioration when combined can be detrimental to quality of life. Geriatricians understand how these conditions evolved as well as ways to manage them concurrently.

 3. Numerous medicines— If you have multiple medical conditions, you’re probably managing them with more than one medicine. Geriatricians understand how medicines work together in a senior’s body. They also help to manage prescriptions to reduce negative side effects.

 4. Psychological challenges— Aging naturally features some degree of cognitive decrease & memory loss. Nonetheless, some senior citizens deal with less common conditions, such as Alzheimer’s, that need proper treatment. Geriatricians can differentiate the typical indicators of old age versus more major ailments.

 5. Caregiver assistance— Seniors may eventually require assistance with day-to-day tasks such as showering, toileting, clothing as well as simply eating. They might depend on family to care for them or hire outside help. A geriatrician can assist you– and also your family members– in deciding when it’s the right time to employ the help of a home health assistant or move to a caring nursing center.

If you’re ready to work with a geriatrician, ask your current health care professional for a recommendation. You can also look at these other resources:

http://www.healthinaging.org/find-a-geriatrics-healthcare-professional/

https://doctor.webmd.com/find-a-doctor/specialty/internal-medicine-geriatrics

Are you a Woman? Don’t Ignore This…

18 03 S Are you a Woman Dont Ignore This... - Are you a Woman? Don’t Ignore This…

Heart disease is a significant issue for women… And many women disregard the symptoms and signs of cardiovascular disease… or don’t know what they are. At least 1 in 4 women don’t know how serious heart disease is.

Decrease your risk by being informed…

It’s important to understand that heart issues can affect all ages. Symptoms and signs to look for consist of:

  • Extended chest and also upper body discomfort
  • Pain or discomfort in the back, neck, or jaw
  • Anxiety, weak point, wooziness, as well as nausea or vomiting
  • Pain in the arms or shoulder region
  • Difficulty breathing

Keep Talking With Your Doctor

Of women surveyed, 63% confessed to cancelling doctor visits. 45% said they cancelled their doctors appointment because they wanted to lose weight before being seen. Heart disease is something that is dangerous and requires immediate intervention. Working with your doctor is important. Regardless of how you feel about your body image, start consulting with your doctor as soon as possible to being tracking your health.

Be Proactive

A surprisingly high variety of medical professionals report they do not go over cardiovascular disease with their patients. It is very important you work with a doctor who understands women’s health issues and how serious cardiovascular disease is for women. Regardless, do not wait for your physician to bring up heart disease. Know the signs and symptoms and also organize your health and wellness.

If you like seeing information on health and wellness, please call us with any type of insurance coverage related inquiries today.