A Simple Guide to Choosing a Medical Power of Attorney

September 15, 2025

Studies show that the treatment wishes of patients vary greatly from those of their family members, yet only a third of Americans have a medical power of attorney in place. With a medical power of attorney, you can legally designate an agent to handle your medical decisions should you become unable to speak for yourself. It also includes instructions on the kinds of medical treatment you wish to receive. 

Even if you do not know your wishes, a medical POA ensures that the person you trust can make those decisions for you. “A medical power of attorney is a pretty powerful document,” says William Raftis, attorney for Student Legal Services at Texas Tech. “It grants a person to make medical decisions on behalf of another person in the case that they are unable to make such a decision for themselves.”

Without a Document 

When you don’t have a medical power of attorney and you are unable to tell the doctor your preferences, the following people would be legally authorized to make your healthcare decisions:

• A court-appointed guardian or conservator
• Your spouse or domestic partner
• One of your adult children or siblings 
• A close friend
• Your nearest living relative

It’s important to know that if you have a medical POA and get married, then that document is revoked. If you do not want your spouse to act as your agent, then you must have a new medical power of attorney written up.

Choosing an Agent 

To designate someone as your agent, you must sign a legal medical power of attorney document that names an agent and the healthcare decisions you’d like them to make if you become unable to. Your agent can decide whether or not to admit or discharge you from a hospital or nursing home, which treatments you receive, and who has access to your medical records. 

Many people mistakenly believe that designating an agent and signing a medical POA grants that person the authority to make all of your healthcare decisions. But a medical power of attorney is only necessary if you become unable to make your own decisions. 

Every state has its own legal requirements for medical POAs, such as witnesses and notarization, but you may not even need a lawyer to draw up a medical POA. Many states provide free forms through government websites. If your state does not offer forms online, consider inquiring with healthcare providers and hospitals, as they may also have forms available.

Comfort is Key 

The person you designate to be your agent should be somebody whom you trust. They should be over 18 years of age and should not be a doctor or healthcare professional. The person you choose should be someone who you know will carry out your wishes. You should discuss your wishes with them in advance and ensure that they will be comfortable making those decisions on your behalf. 

If it makes you more comfortable, you may appoint two people to serve as co-agents or a successive agent in case the first agent becomes unable to do so. Keep in mind that it may create confusion when multiple agents are involved in the decision-making process. Healthcare professionals may only be able to reach one agent in the event of an emergency, or agents may disagree about how to carry out your wishes best.

Make Those Decisions Now

In addition to choosing your agent, your medical power of attorney should state your wishes. 

The medical POA should state: 

• Whether or not you want to use machines to be kept alive or receive feeding tubes
• Name a legal guardian, if needed
• Whether or not you want to donate any organs in the event of your passing, and what to do with your remains 

If at some point, you change your mind about any of your directives or who you’d like to be your agent, then you should have a new medical power of attorney drawn up. 

Medical POA Safekeeping 

You should always inform your agent of any changes made to a medical POA and make sure they have the most up-to-date copy. Then store your document in a safe but easily accessible location. A medical power of attorney should be stored in both a physical safe place at home and a secure digital platform. Provide your attorney with a copy, as well as your healthcare providers and other trusted loved ones.

Why Documentation Matters 

Emergencies come without warning. Without documentation in place, confusion over what’s best for you will add stress to an already difficult circumstance. Every adult should have a medical power of attorney in place, even adult children going off to college. “Students are 18 and they are now legally adults,” says Raftis. “It’s really just a way to help empower the students to make sound medical decisions.”

Acting early guarantees that you will have the necessary support during an emergency. This proactive approach enables families to focus on their loved one’s care rather than paperwork. “It’s a gift to your family to get these plans in place,” says Sally Hurme, an elder law attorney in Virginia. “Why create chaos, indecision, confusion, frustration, turmoil =—all of these may happen if you don’t have advance directives.”

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Being clear about how you want to be cared for doesn’t just protect you; it also ensures that you receive the care you need. It prevents your loved ones from having to make painful decisions on your behalf under emotional circumstances. In this way, a medical power of attorney provides peace of mind for both the individual and their loved ones. With Insureyouknow.org, you can store all of your medical records and healthcare documentation in one simple-to-review place, giving you more time to focus on what matters.

Digital Pet Records: Organize and Store Pet Documents Securely

September 3, 2025

Pet emergencies rarely arrive at the right time. A dog limps after a jump. A cat suddenly won’t breathe easily. Owners grab at folders, glove compartments, even the folded vaccination slip that’s been stuck under a fridge magnet for months, only to realize the insurance info or medical history is still missing.

The vet keeps asking questions. What shots were given? What allergies are known? Too much time slips away.

That’s why keeping pet records, health notes, policy papers, and vet numbers saved in one secure digital spot makes such a difference. Instead of chaos, the details are ready in seconds. And that can mean faster decisions and better care when pets need it most.

Why Digital Pet Records Matter

In a real emergency, minutes feel heavy. A vet may ask about past shots or allergies, but the papers are often buried, tucked in a kitchen drawer under receipts or lost in an old email. With digital pet records, the answers are ready in seconds, and treatment doesn’t have to wait.

The same holds true when care is handed off. A sitter, a family member, even a boarding kennel can check pet medical files online instead of relying on rushed notes over the phone.

The truth is, organized records bring peace of mind. Storing pet papers safely in one place removes clutter and helps ensure steady care, whether at home, traveling, or in an emergency room late at night.

What to Include in Your Digital Pet Emergency Kit

When something goes wrong, the last thing anyone wants is to dig through drawers for missing papers. A simple digital kit avoids that headache.

The basics come first: vaccination records and health notes. Vets usually ask for them before doing anything else.

If the pet has coverage, add the insurance policy number and provider. It saves phone calls later. Keep proof of ownership too, like microchip info, adoption papers, or even a vet’s ID slip.

An emergency contact list matters just as much. The family vet, a backup clinic, a sitter, and one relative who can step in should all be easy to reach.

Then there are the little things. Care notes about food, medicine, or allergies may sound small, but they help anyone give consistent care. Storing these pet papers online in one safe place means less panic and faster help when every minute counts.

How to Securely Store Pet Documents Using InsureYouKnow

InsureYouKnow makes it simple to keep pet papers in order. Snap a photo of a vaccine slip or scan an insurance form, then upload it with a clear label like “Bella – Shots” or “Max – Insurance.” No more shuffling through drawers when the vet is waiting.

The files stay safe with encryption, so medical notes and policy numbers are private but easy to reach. Reminders can be set for shots or policy renewals, which means nothing gets overlooked.

Sharing is easy too. A sitter, boarding place, or vet can be given access to just the records they need, making care smoother and less stressful.

With everything in one place, digital pet records stay organized, secure, and ready when pets need it most.

Organizing and Managing Pet Info

Saving files is just the start. How they’re organized matters. Clear labels like “Vaccination,” “Insurance,” or “Ownership” make documents easy to find.

Adding details like the pet’s name, birthdate, or microchip number helps avoid mix-ups, especially with multiple pets.

Updates are important too. After checkups, insurance renewals, or when a new pet joins, taking a few minutes to update records keeps digital pet documents accurate and ready when needed.

Emergency Scenarios Where This Helps

Imagine the dog collapses during an evening walk. Heart racing, the family grabs the leash and heads to the vet. They don’t have to dig through drawers or emails. Digital pet records are ready on a phone. Shots, allergies, medications, all visible in seconds. The vet can start treatment right away, and stress levels drop for everyone.

Not all emergencies are medical. Moving suddenly, last-minute boarding, or traveling with a pet can turn chaotic fast. Having pet papers stored securely online means sitters, boarding staff, or vets can see what’s needed without endless calls or searching.

A few organized files can turn panic into calm. Pet documents online make sure pets get the care they need, wherever and whenever an emergency strikes.

Conclusion

Just like people, pets have important papers that need care. The vet, insurance info, and vaccination slips all matter. If you’re running around during an emergency, it’s easy to lose track. That crumpled slip under the couch or buried email suddenly matters more than ever.

The truth is, digital pet records make life simpler. Snap a photo, upload it, and label it clearly. Share it with your vet, a sitter, or a boarding facility when needed. It’s quick, secure, and saves time when every second counts.

Take a few minutes today to set up your pet’s digital profile with InsureYouKnow. It’s simple, it’s safe, and it gives peace of mind knowing your furry friend’s records are ready when they’re needed most.

The Mental Health Gap: What Parents Miss and Teens Need

September 1, 2025

Your teen says they’re fine. But they’ve stopped texting friends, spend more time in their room, and their grades are slipping. Could you spot the signs if they were struggling? Only 58% of U.S. teenagers feel they get the emotional support they need—yet 93% of parents believe they’re providing enough.

Findings like these show that parents may not always realize when their child is struggling. Young people today face different challenges than their parents and previous generations did. More than ever, parents must understand the unique pressures young people are struggling with today.

Challenges Faced by Teens

Nearly 10% of all U.S. kids aged 3 to 17 experience anxiety, while 5% live with depression. A few causes are listed below:

• Many young people are dealing with packed schedules, the pressure to succeed in academics, sports, and extracurriculars, and the uncertainty of what comes after graduation. The pressure to excel can lead to burnout.
• With in-person learning, the fear of school shootings can create a general sense of day-to-day unease.
• Students who remember the pandemic lockdown may have posttraumatic stress from virtual learning and social isolation.
• Social media has introduced young people to near-constant comparison, leading to low self-esteem. Body dissatisfaction is leading to a rise in eating disorders.
• Concerns over climate change can also lead to feelings of hopelessness.

Warning Signs

As a parent, you have a good sense of what your child’s “normal” looks like. In addition to the more striking symptoms, such as mood swings, angry outbursts, or being more tearful than usual, you may notice:

• Changes in eating habits, weight, sleep, or other routines
• Loss of interest in the things they once enjoyed or quitting activities
• Withdrawing from close friends or family
• Academic struggles that seem different or more intense, such as a refusal to complete assignments
• Becoming more visibly worried or expressing constant worry
• Any signs of substance abuse or evidence of self-harm, such as cuts, burns, or bruises

Just because your child exhibits any of these symptoms does not mean they are experiencing a mental health crisis. Biological changes, including hormonal shifts that all teenagers must go through, can affect their mood and school performance.

“It’s kind of hard because these things correlate with puberty,” says Theresa Nguyen, vice president of policy and programs at Mental Health America. “It gets hard for parents because this period of time is so muddy.”

Converse Differently

Checking in with your child is an ongoing process, not a one-time occurrence. Normalizing regular conversations with your child supports their mental health and also gives them the foundation to come to you when they need help.

Kids avoid touchy subjects, especially if they fear being lectured or punished. Make sure your children know they can come to you with anything. Create a safe space for them by remaining approachable and nonreactive. Routine moments, such as car rides or dinner times, can be opportunities for discussion.

Avoid forcing conversations or asking direct questions like, “What’s wrong?” Instead, ask about specific things at school or what they might be looking forward to. They will be more willing to open up if they do not feel interrogated. Try listening more than you speak and resist the urge to give advice immediately.

The goal is not to fix everything for them, but to make sure they know they are supported. “As parents, our instinct is often to jump in with advice, but it’s very rare that that’s what teens are looking for,” says Lisa Damour, a clinical psychologist. “Teenagers often feel supported not through a conversation but through our steady presence. It’s about being around and available.”

Model Mental Wellness

Parents can show their teen how to care for their mental health by modeling those healthy behaviors themselves.

• Encourage good physical habits. Eat well and encourage exercise, both of which can be activities you do together. Every family member should have a bedtime and sleep routine.
• Limit screen time and social media. If your teen is resistant, approach it together as an experiment to see if it’s beneficial to take a break.
• Find activities that you enjoy and help them do the same. Ideally, you can find a few things to enjoy together, such as going for walks or watching movies.

“Lead by example,” advises Nguyen.

Get Help When All Else Fails

Your child’s pediatrician can help with any mental health concerns. They can explain treatment options, including medication, and refer you to a specialist for evaluation. Talking with a licensed mental health professional, for instance, can provide teens with a safe and judgment-free zone to process emotions and develop coping skills.

Your child’s care team can develop a crisis plan involving the steps to take if symptoms worsen. There are also courses for parents who want to learn more about mental health first aid. Teens who need to speak with someone immediately may always call The 988 Suicide & Crisis Lifeline or text “TALK” to 741741.

By staying organized, parents can create more time for family. “The single most powerful force for adolescent mental health is strong relationships with caring adults,” says Damour.

Your teen doesn’t need you to have all the answers. They just need to know you’re there every day, without conditions.

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At Insureyouknow.org, parents may keep track of their child’s schedule, medical records, and other essential documents.

Having Surgery—Is Your Home Ready?

August 1, 2025

According to the National Library of Medicine, one in nine Americans has at least one surgery each year. The hospital discharge is just the beginning. Imagine returning home from surgery, groggy and sore, only to discover you can’t climb the stairs, reach the pain meds, or safely take a shower. That’s why preparing your home before the surgery is just as important as the procedure itself. Known as prehabilitation, this proactive approach helps reduce stress, lowers the risk of complications, and prepares you for a safer and smoother recovery.

Here’s everything you need to think about preparing before surgery.

Stay on Top of Recovery

Your doctor is the best resource for preparing for surgery. Ask them what to expect after surgery so that you know how to prepare best. Even when patients are discharged on the day of their surgery, it can take several months to return to normal activities. Following your surgeon’s care instructions can ensure a smooth recovery.

For older patients undergoing joint replacement procedures, physical therapy after surgery is crucial in regaining strength and mobility. “A knee or hip replacement is fundamentally a major surgery,” says Matthew Abdel, an orthopedic surgeon at the Mayo Clinic. “Everything related to that remains essential– preparing the patient, educating the patient, managing expectations, and having a multidisciplinary team in place – all must work together to allow that patient to go home that day safely.”

Things to consider:

• Learn the best way to contact your doctor if you need assistance after the surgery. If your doctor uses a patient portal to communicate with patients, make sure that you are registered and have access before your procedure.
• Know what your pain management plan will be. “Pain after surgery is something that a lot of patients fear,” says Sterling Elliott, a clinical pharmacist and a professor at Northwestern University. “Knowing how to make good decisions about your options, especially nonopioid ones, will help you feel better and make the best progress.”
• Research outpatient rehabilitation facilities that accept your insurance and would be willing to work seamlessly with your doctor.
• Stay on top of your follow-up appointments to ensure timely and effective communication.

Arranging for Help

You’ll likely need support with a variety of tasks after surgery, from getting a ride home from the hospital to potentially requiring round-the-clock care for several weeks. To ensure your safety, most surgeons recommend having someone stay with you the first night after surgery and arranging for a caregiver to be nearby or living with you for the first three to five days of recovery.

Think about the tasks around the home that you’ll be unable to do on your own. Determine who will be helping you after the surgery and make those arrangements in advance.

Things to consider:

• Arrange for someone to collect the mail, tend to the lawn, or dispose of the trash.
• Don’t forget to check the calendar. Reschedule any other appointments as needed and pay all your upcoming bills in advance. 
• If you have pets, consider asking a friend or family member to care for them or board them before the procedure. This will allow you to focus on your recovery and avoid an accident with an active pet.

Preparing the Home

Take time to thoroughly clean and organize your home before surgery. Simple touches—like freshly washed sheets on the bed—can provide comfort and make your recovery more restful. Think about the parts of the home that you’ll need access to the most after surgery.

Things to consider:

• Set up your bed on the first floor if possible.
• Ensure you have convenient access to a safe and easy-to-use bathroom during your recovery.
• Fill the closet with clothes that are easy to put on and take off. 
• Move everything you’ll need to where you can reach without having to bend down or stretch.
• Shortly before the surgery, buy the groceries you’ll need while recovering at home.
• Meal prep in advance or make full meals to keep you fed for a week or more.
• Place food in a cabinet between your waist and shoulder height and put the dishes you’ll use most on the kitchen counter.
• Use paper products if doing dishes would not be ideal while recovering.
• Keep your phone and charger handy.

To prevent falls, inspect every room for tripping hazards. This includes tucking away electrical cords, installing nightlights, getting clutter off the floor, and securing rugs. Rearrange furniture to create clear pathways for walking, especially if you’ll be using assistive equipment such as crutches or a wheelchair. For more extensive recovery periods, a home healthcare professional can visit your home to provide installation recommendations, such as grab bars in the bathroom or a stairlift in two-story homes.

While preparing the home for an upcoming surgery can be a lot of work upfront, the opportunity to recover in one’s home environment is beneficial. “It satisfies patients,” says Abdel. “You recuperate with your family. You recuperate in your home environment. You don’t feel like you’re institutionalized.”

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Many people feel apprehensive before surgery, but poor mental health can negatively affect recovery. Anxiety and depression are shown to increase pain and stress, as well as slow wound healing^​. Getting outside, making time for enjoyable activities, and eating a healthy diet are all ways people can care for their mental health before undergoing surgery. With Insureyouknow.org, you may store all of your medical and financial records in one accessible place, giving you one less thing to worry about while you recover.

Intergenerational Care Benefits Everyone Involved

September 29, 2024

September is Intergeneration Month, launched by The Intergenerational Foundation, to connect generations and urge people from varying age groups to socialize. The idea behind recognizing Intergeneration Month each September is to promote learning from each other, such as gaining a better understanding of history and the challenges that separate generations. By connecting with different age groups across generations, unlikely friendships form between those who would otherwise never have communicated with each other. 

People balancing raising young children and caring for aging parents may consider looking into what intergenerational daycare can offer. Facilities that provide both child care and senior care are on the rise, and that’s probably because, in addition to being a convenient solution for caretakers, the benefits to each age group are numerous.

If you’re considering Intergenerational Care for your loved ones, here’s everything you need to know. 

What is Intergenerational Care?

Intergenerational care centers provide care for both young children and older adults. “It’s also referred to as a ‘shared site,’” says  Merle Griff, the director of McKinley Center Intergenerational Project. “In many cases, there’s a senior area on one side of the building, a child care area on the other, and a hallway connecting the two. At various points during the day, they come together,” she says. The care provided can take on several forms, but at the core, it’s a service offered to multiple generations to provide care in one place across age groups.

The benefits of multi-generational care include forming connections between people who have a lot to teach one another and who would have otherwise never been allowed to meet. “It brings younger and older people together to increase social connectedness, enhance well-being for the benefit of all ages, and strengthen the web of support that is so integral to families and communities,” says Sheri Steinig, the director of Generations United. “People of different ages come together to learn, play, grow, and interact in planned intergenerational activities as well as through informal encounters,” she says.

The Different Kinds of Intergenerational Care

While intergenerational care means care across generations, the services provided vary. “There are many settings for intergenerational care,” says Steinig. “There can be programs at community centers and schools or care in daycare centers, retirement communities, nursing homes or assisted living and affordable housing,” she says. You may even provide intergenerational care in the form of a multigenerational household where more than two generations live. One in four American households are already multigenerational.

Intergenerational care centers look more like daycare facilities with adult daycare services or nursing home locations. “Each center is run their own way,” says Griff. “There are typically planned, structured interactions during the day,” she says. Both age groups are usually not combined for the entire day. Daily intergenerational activities may look like a combined sport, arts and crafts activity, comparison presentations between then and now, or even cradling opportunities, where seniors are paired with infants to rock and soothe to sleep. To date, there are fewer care centers than intergenerational programs. While there are only 150 sites across the country, care centers are expected to grow in popularity. For instance, The Mount Intergenerational Learning Center, a Seattle preschool within a nursing home, reports having over 400 children on their waiting list.

Intergenerational care programs are structured pairings between children of various ages and older adults. Programs such as these are designed to foster relationships between youth and seniors. It could be a pen pal program between elementary school kids and seniors, college students visiting nursing homes, multi-age choirs, or veterans going to schools to talk to students about their experiences.

To find a program such as this or a care center in your area, Generations United offers a search tool.

The Benefits of Intergenerational Bonds

Many grandparents live thousands of miles away from their grandchildren while aging adults live several states away from their children. According to a study from the University of California San Francisco, 43% of older adults report experiencing loneliness, and those who feel lonely are at a 59% increased risk of declining health.

That’s when intergenerational care can help. Older adults experience a sense of purpose and renewal after spending time with and helping young people. It helps seniors feel like they are not just receiving care but offering care. “Despite the dementia diagnosis, the maternal and paternal instincts can still kick in, and the seniors feel a sense of purpose,” says Jenna Hauss, the president of ONEgeneration. “They can care for others. They don’t always need to be cared for,” she says.

It isn’t just older generations that benefit from the connection. Children who spend time around older adults have fewer biases around such things as walkers and wheelchairs and become more comfortable with these differences. Multigenerational care promotes sensitivity among both age groups. Parents notice that their children are more empathetic, while older adults experience less loneliness, reduced agitation, and improved overall health.

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Intergenerational care addresses two important needs: early childcare and the increasing demand for senior services, but the benefits of this combined service reap rewards far beyond caretaking. Research is proving that both age groups experience different perks from intergenerational connections. If this sounds like it might be the right fit for you and your loved ones, Insureyouknow.org can help you search for care by storing all of your research, financial information, and medical records in one easy-to-review place.

Five Things Happy Retirees Have in Common

June 15, 2024

The transition into retirement can be difficult, when work no longer provides a sense of identity and accomplishment. The change can be startling, especially when most people don’t switch to part-time schedules on the way out of their full-time careers. “We don’t really shift our focus to, how do we live well in this extra time,” says M.T. Connolly, author of The Measure of Our Age. “A lot of people get happier as they age because they start to focus more on the meaningful parts of existence and emotional meaning and positive experience as finitude gets more real.”

While most people account for how much money they’ll need when it’s time to retire, there are many other factors to consider when planning for a fulfilling retirement. Here are five things that happy retirees have in common. 

Feeling a Sense of Purpose

There are several approaches to staying active and finding purpose after leaving a career. “Your retirement schedule should be less stressful and demanding than your previous one, but we don’t need to avoid all forms of work or service,” says Kevin Coleman, a family therapist. “Find some work that you take pride in and find intrinsically meaningful.”

Many retirees, for example, choose encore careers, where instead of working for the money, they are working for the enjoyment of the job. Besides finding a new job, there are other simple ways to feel purposeful during retirement. Purpose can be found by making oneself useful, such as by volunteering in the community, joining a community board, or participating in an enjoyable activity with a group, like a gardening club. Many retirees enjoy volunteering to take care of their grandchildren or helping their older friends with caregiving duties. Finding purpose doesn’t need to be complicated and can be achieved through simple acts of showing up for others and being open to new connections.

Finding Ways to Connect

As nearly 25% of those who are 65 and older feel socially isolated, finding ways to connect are important for mental and physical well-being during retirement. One way to connect is through storytelling. Sharing our stories with the people we care about strengthens our social bonds and helps us feel less lonely. Storytelling also helps people pass down their family memories, especially when we share stories with younger relatives, such as with grandchildren. It’s a nice feeling to think that your memories will live on through your loved ones. “The models we have for aging are largely either isolation or age segregation,” says Connolly. “There’s a loss when we don’t have intergenerational contact. It impoverishes our social environment.” Perhaps the best thing to do as you age is to cherish and foster these relationships with younger relatives.

Making Plans for the Retirement Years 

Budgeting for your retirement is crucial to happiness during the retirement years. Successful retirement planning includes paying off debts prior to retiring and saving for unexpected expenses or emergency funds in addition to a standard monthly budget. According to a survey conducted by Wes Moss, author of You Can Retire Sooner Than You Think, the happiest retirees are those who have between $700,000 and $1.25 million in liquid retirement savings, such as stocks, bonds, mutual funds, and cash. His research also found that retirees within five years or less of paying off their mortgages are four times more likely to be happy in retirement. This is because the mortgage payment is typically the most significant expense, so those retirees who own their homes feel safer and more at peace once they no longer have that bill. Plus, not having a mortgage payment due every month dramatically lowers their monthly expenses and can help retirement savings last longer.

Many retirees overlook retirement planning beyond their finances. New research from the Stanford Center on Longevity shows that where someone lives in retirement can affect their longevity. Researchers found that people over the age of 60 who lived in upper-income areas lived longer due to having more access to health and social services. They also credited strong social networks and a sense of community to living longer. So perhaps there’s a city or area that you’ve always dreamed of living in or you’d like to live closer to family. Think about where you want to live when you’re done working and then plan for it before you retire.

Setting New Retirement Goals

Beyond saving up and thinking about where you want to spend your retirement years, setting goals for once you’re in retirement is equally as important. “Research suggests that those who think about and plan for what they will do in retirement in advance are far happier and fulfilled once they actually retire and begin living this phase of life,” says financial planner Chris Urban. “Sometimes it is helpful for people to write down what they plan to do every day of the week, what goals they have, who they want to spend time with and what they want to do with them.”

While your goals before retirement were likely centered around career and finances, it will be important to set different kinds of goals once you’re retired. Having goals doesn’t become less important just because you’re no longer working. “If you really want something, maybe a new romance, then take a concrete step in that direction,” says psychiatry professor Ahron Friedberg. “Don’t ever tell yourself that it’s too late.”

Prioritizing Both Physical and Mental Health

With a full-time career no longer on the schedule, cooking healthy meals at home, getting enough sleep, and finding ways to be more physically active everyday will be easier. It will also be important to keep up on medical appointments and preventive therapies. A study conducted by Harvard shows that even people who become more physically active and adopt better diets later in their lives still lower their risks of cardiovascular illnesses and mortality more than their peers who do not. “Not all core pursuits include physical activity or exercise, but many of the top ones do. I refer to them as the ‘ings’—walking, running, biking, hiking, jogging, swimming, dancing, etc.,” says Moss. “These all involve some sort of motion and exercise.” The most sustainable form of physical activity will be doing more of those activities that you enjoy and that move your body.

In addition to caring for your physical health, focusing on your mental health is just as important, especially as you age. According to Harvard’s Medical newsletter, challenging your brain with mental exercise activates processes that help maintain individual brain cells and stimulate communication between them. So choose something new or that you’ve always wanted to learn. Take a course at a community college or learn how to play an instrument or speak a language. If you enjoy reading, visit the library every week for a new book. If you enjoy helping others learn, then looking into a part-time tutoring job or volunteering to tutor is a way to challenge yourself mentally, connect socially, and feel a sense of purpose.

Prioritizing your overall health includes asking for help when you need it. If you reach a point where you need assistance with daily tasks and activities, then you shouldn’t hesitate to ask for help early. Whether it’s family members or caregiving services, finding help with the things that are becoming difficult for you is the best way to maintain your independence for as long as you can so that you may continue to thrive during your retirement years.

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It’s important to think about how you want to spend your retirement before it’s here. While many people only consider their finances when they begin to plan for the future, there are other factors, including how you’ll spend your time, where you’ll live, and your overall health that will impact the quality of your retirement years. With Insureyouknow.org, storing all of your financial information, medical records, and planning documents in one easy-to-review place will help you plan for what can be the best years of your life.

Life After a Stroke: What You Should Know

May 21, 2024

A stroke affects the brain’s arteries and occurs when a blood vessel that brings blood to the brain gets blocked or ruptures. The area of the brain that is supplied with blood by the blocked or ruptured blood vessel doesn’t get the oxygen and nutrients it needs, and without oxygen, nerve cells are unable to function. Since the brain controls one’s ability to move, feel, and think, a stroke can cause injury to the brain that could affect any or all of these functions.

Everyone should know the signs of a stroke and seek immediate medical attention if you think you or someone around you is having a stroke. If you or someone you love has recently had a stroke, then it’s important to understand what happens next.

Know the Symptoms of a Stroke and act FAST

The longer the brain is left untreated during a stroke, the more likely it is that someone will have irreversible brain damage. The acronym FAST can help everyone recognize the four main signs that someone may be having a stroke and remember to act fast in seeking medical treatment. That means calling 9-1-1 immediately, as emergency response workers can treat someone on arrival if they think that person is having a stroke.

FAST stands for Facial drooping, Arm weakness, Speech difficulties, and most importantly, Time. If one side of a person’s face is drooping, if the person cannot lift both arms or one arm is drifting downward, and if the person’s speech is slurred or they cannot repeat a simple sentence, then they may be having a stroke. Not all of these signs need to be present to signal a stroke. Just one or two of these symptoms is enough to call 9-1-1, because time is of the essence in the event of a stroke.

Stroke Treatment Begins With Emergency Response Workers

Calling for an ambulance means that the emergency response workers can start life-saving treatment on the way to the hospital. Stroke patients who are taken to the hospital in an ambulance may get diagnosed and treated more quickly than people who wait to drive themselves. The emergency workers may also know best where to take someone, such as to a specialized stroke center to ensure that they receive the quickest possible treatment. The emergency workers can also collect valuable information for the hospital medical staff before the patient even gets to the emergency room, alerting staff of your arrival and allowing time to prepare. All of what the ambulance team can provide saves time in the treatment of stroke, and in the event of a stroke, time is of the essence.

Ischemic Stroke or Hemorrhagic Stroke?

There are two different kinds of stroke, ischemic or hemorrhagic. A medical team will need to determine which kind of stroke the patient is having in order to direct treatment. An ischemic stroke accounts for 87% of all strokes and happens when a blood clot blocks a vessel supplying blood to the brain. Hemorrhagic stroke happens when a blood vessel ruptures and bleeds within or around the brain.

“Fifty percent of strokes present with a clot in a large vessel in the brain, and these don’t respond very well to the old treatment, the IV clot busting medicine,” says M.D. and director of the Sparrow Comprehensive Stroke Center Anmar Razak. “And so nowadays, we do surgery, and what we do is we rush them into the hospital, into the cath lab. We quickly get access through the blood vessels and get up to where the clot is and pull it out.”

With ischemic stroke, the treatment goal is to dissolve or remove the clot. A medication called alteplase or tPA is often administered and works to dissolve the clot and enable blood flow. Alteplase saves lives and reduces the long-term effects of a stroke but must be given to the patient within three hours of the start of a stroke. Then, a procedure called mechanical thrombectomy removes the clot and must happen within six to 24 hours of stroke symptom onset.

For hemorrhagic stroke, the treatment goal is to stop the bleeding. There is a less-invasive endovascular procedure involving a catheter being threaded through a major artery in an arm or leg toward the area of the bleeding in the brain where a mechanism is inserted to prevent further rupture. In some cases, surgery is required to secure the blood vessel that has ruptured at the base of the bleeding.

Rehabilitation After a Stroke

Perhaps the most important part of stroke treatment is determining why it happened or the underlying causes of the stroke. Stroke risk factors include high blood pressure, which weakens arteries over time, smoking, diabetes, high cholesterol, physical inactivity, being overweight, heart disease including atrial fibrillation or aFib, excessive alcohol intake or illegal drug use, and sleep apnea. By making the right lifestyle choices and having a good medical management plan moving forward, the risk of another stroke can be greatly reduced.

That’s because if you have had a stroke, you are at high risk for having another one. One in four stroke survivors have another within five years, while the risk of stroke within 90 days of transient ischemic attack or TIA is as high as 17% with the greatest risk during the first week. This is why it becomes so important to determine the underlying causes of the initial stroke. Your doctor may give you medications to manage a condition, such as high blood pressure, and then recommend lifestyle changes, including a different diet and regular exercise.

Rehabilitation after a stroke begins in the hospital, often within only a day or 2 after the stroke. “There are so many things that patients need to fall into place to be functional and independent again after a stroke,” said Razak. “And they always come down to speed and time.” Rehabilitation can help with the transition from the hospital to home and can help prevent another stroke. Recovery time after a stroke is different for everyone and can take weeks, months, or even years. Some people may recover fully, while others may have long-term or lifelong disabilities. Stroke rehabilitation should be thought of as a balance between full recovery and learning how to live most effectively with some deficits that may not be recovered.

What to Expect After a Stroke

Difficulties from a stroke range from paralysis or weakness on one or both sides of the body, fatigue, trouble with cognitive functioning such as thinking and memory, seizures, and mental health issues like depression or anxiety from the fear of having another stroke. Everyone’s rehabilitation will look different based on their difficulties after a stroke but may include speech, physical, and occupational therapy. Speech therapy helps when someone is having problems producing or understanding speech, physical therapy uses exercises that help someone relearn movement and coordination skills, and occupational therapy focuses on improving daily activities, such as eating, dressing, and bathing. Joining a patient support group may help people adjust to life after a stroke, while support from family and friends can also help relieve the depression and anxiety following a stroke. It’s important for stroke patients to let their medical team and loved ones know how they’re feeling throughout their recovery and what they may need help with.

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Stroke rehabilitation can be hard work, but just as in the initial treatment of a stroke, time matters in the possibility of a full recovery. Many survivors will tell you that rehabilitation is worth it and recommend using motivators to achieve recovery goals, such as wanting to see a child’s graduation or returning to working in the garden. With Insureyouknow.org, caretakers may keep track of medical treatments and rehabilitation plans in one easy-to-review place so that they may focus on caring for their loved one during the period of recovery from stroke.

May is American Stroke Month which aims to raise awareness of the second leading cause of death.

Looking after Elderly Parents Remotely

March 1, 2024

Taking care of loved ones without being close by is a challenge. Whether you live a long drive away from aging parents or in another state, long-distance caregiving can become emotionally exhausting. If that sounds like you, know that you are not alone. Nearly 15 percent of caregivers live an average of 450 miles away. If you have recently found yourself looking after your parents from a distance, then here are some simple strategies to help you along the way.

Evaluate Your Strengths and Outsource the Rest
Be honest with yourself about your strengths. Maybe you’re comfortable handling finances but not as comfortable determining medical needs. Pinpointing the areas of need that you’ll be most suitable for is the first step in delegating the rest. You may have siblings who live closer to your parents and are willing to accompany them to their doctor’s visits. Other helpful skills include organization and communication, which could be utilized to organize schedules and communicate with medical professionals and caregivers. Once you determine what you’ll be best at handling, then you can begin to make plans to fill in the gaps.

Create a Team for Support
Speak with the rest of your family and close friends about who can help with your parents’ care. Coordinating with everyone to determine what each person is willing to do will help everyone be on the same page and turn creating a care plan into a team effort. Even if you don’t have any other siblings or family members who are able to help, then you should still meet with your parents and include them in their own care planning. For instance, ask them what you can do that will be most helpful. It’s important to remember that you don’t have to handle everything alone and to try and outsource anything you need help with as much as possible.

Establish Access to Information
Once you determine who the primary caregivers will be and who needs to be in charge of what, then it’s time to make sure those people have access to the appropriate information. Make sure that the person designated to handle bill-paying and account management on behalf of your parents has the ability to do so. Establishing the rights to have medical information released to caregivers as well as decision-making rights is another imperative. This can also be a legal issue down the road, so making sure that you or another trusted party is the power of attorney, who is appointed to make financial and medical decisions, will need to be determined. 

Revisit Living Arrangements
Sometimes a loved one’s health requires them to be closer to you. If it’s possible to relocate to where they live or have them move in with you, then that may be something worth exploring. If it’s not possible to live together, then senior living communities have the upside of being able to provide 24/7 care. Many older people don’t require full-time care though, so if relocation isn’t feasible, then hiring a home care aide or personal care assistant is another option.

Schedule Regular In-Person Visits
If you cannot live close to your parents, then making plans to see them will accomplish several things. First, you’ll instantly alleviate some of the caregiver guilt you may be experiencing just by knowing when you’ll be able to visit them next. Second, you’ll be able to check on them in-person, as you may not have an accurate assessment of their condition and needs from a distance. “It’s hard keeping a handle on their health, how they’re doing, physically, mentally, psychologically and emotionally, when you’re not there,” says Amy Goyer, AARP’s family and caregiving expert. “Isolation is a big thing and they can tell you, oh, I’m doing fine and everything on the phone, but is that really what’s happening?”

Lastly, but most importantly, you’ll be able to spend some much-needed quality time with your parents when visiting. If you are not the primary caregiver, then coordinate with them on when the best time to visit is and offer them a break. Plan in advance what you can do when you’re there to help out. Then speak with your parents about what they would like to do with you during your visit. Since visits can go by quickly, especially when there is so much to do, set priorities ahead of time about what’s most important once you’re there.

Remain Connected When You’re Apart
Schedule regular phone calls with your parents and ask for updates from their caregivers. With their permission, you may even choose to attend their telehealth visits and doctor’s appointments virtually. “The frequency of contact is dependent on the type and level of care needed,” says Iris Waichler, author of Role Reversal, How to Take Care of Yourself and Your Aging Parents. “It should be a collaborative decision, if possible, rather than a unilateral mandate from the caregiver.”

Regular communication can keep your bond with your parents strong, as long as it remains an enjoyable experience for all of you.

Take Care of Yourself as Well
Caregiving can come with a heavy emotional load. It will become just as important to check in with yourself in your new role as caregiver. “Caregivers may often feel like they can do more and this can cause ruminating thoughts,” says Brittany Ferri, geriatric care occupational therapist. “In this instance, they may benefit from practicing positive self-care and self-talk along with their loved one to keep the lines of communication open while relieving stress.”

It’s hard to be a good caregiver, when you’re running on empty, so taking care of yourself as well is just as important as taking care of those depending on you. Show yourself compassion, make sure you’re recharging, and be kind to yourself.

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While it can be a challenge to care for your parents from a distance, that doesn’t mean it’s not manageable. By planning ahead and creating a care team, you can make sure your parents are cared for even when you can’t be close at all times. Insureyouknow.org can help you compile care plans, schedules, financial information, and medical records all in one place. Then you can rest easy that you have a plan set in motion, ensuring that your parents will be well-taken care of.

Dealing with Mental Stress During the Holidays

November 22, 2023

For most people, the best parts of the holidays, extravagant decor, rich foods, gift-giving, and additional time with friends and family, can also be the most stress inducing. While the holidays are thought of as the most wonderful time of the year, it is in fact viewed by many as the most stressful time of the year.

Neverending to-do lists, added expenses, and the desire to achieve a perfect holiday are just a few of the ways that the season brings on an overwhelming amount of stress. Plus, if you have an existing mental health condition, the holidays may accentuate it. “There are a lot of stressors in life without the holiday season,” says event planner Courtney Lutkus. “The holidays can be triggering and make it worse.”

In order to have a more relaxing holiday season, it’s important to choose some strategies ahead of time that will help you combat seasonal stress.

Exercise is Often the Best Medicine

During the holidays, prioritizing regular exercise can mitigate stress before it happens. Whichever exercise you choose, taking the time to move your body will guarantee a healthy dose of holiday cheer.

If you tend to feel restricted during the holidays from being spread too thin both physically and mentally, dance therapist Erica Hornthal recommends what she calls joy workouts. Take a break from the festivities, find an open space, and spend eight minutes moving through six expanding moves, including reaching, swaying, and jumping, that are designed to boost happiness. “Shake your hands, shake your head — kind of like an animal after it gets wet,” she says. “You can make a game out of it if you have kids.”

Alternatively, if you feel the need to slow things down, then yoga might work best for you. Even a fifteen minute session can lower levels of stress and anxiety. With a focus on breathwork and mindfulness, yoga can be especially effective for alleviating the feelings of nonstop commotion that often come with the holidays.

If you find yourself wanting to get away, a walk or run around the neighborhood may be just what you need to reset. You could even plan a “microadventure,” which could be as simple as a bike ride in the dark or a daytime hike at a nearby nature reserve. Viewing things in a new light and admiring your surroundings can create a sense of awe, which has been proven to lower stress levels. Plus, spending time outside, even if it’s just a walk around the block, can lower cortisol levels, blood pressure, and muscle tension.

Schedule Breaks

If you’re having difficulty finding time for yourself  during busy days, then reclaiming your mornings might be the best way to fit in a break. “I encourage everyone to develop a daily habit of starting their day with their own voice as the primary driver for how they want to engage the day,” says therapist Chanel Dokun. “This is an easy way to pre-schedule ‘me-time’ amid a busy holiday season where you can check in with your own needs, set your own priorities, and move into your day feeling centered and in control.” Plus, research shows that waking up just one hour earlier lowers an individual’s risk for depression by 23 percent.

In addition to making time for yourself in the mornings, simply saying no to yet another social obligation could help you avoid the burnout that comes from overdoing it. The sheer volume of things to do during the holidays can make it difficult to prioritize what’s most important. Sometimes, taking care of your mental health can be more important than attending yet another event, so give yourself permission to choose your festivities wisely. Not only will saying no to some things ease your stress, but it can also reinforce healthy relationship boundaries, which will leave you feeling empowered rather than burnt out.

Honor Your Routine 

With all of the added hustle and bustle, it will be easy to fall out of your usual routine, but sticking to your routine might be the simplest solution to seasonal stress. Dr. David Spiegel, director of the Center on Stress and Health at Stanford University, says that our stress responses are far more flexible when we are resting and nourishing our bodies. “Mitigate stress by taking care of your body first,” says Spiegel. Give your body something to depend on during the holiday rush by getting enough sleep, eating well, and exercising regularly.

Ditch Perfectionism

It would be impossible for every part of the holiday to be perfect, so why place that standard upon yourself? Think about what traditions matter most to you, such as cooking a specific meal for your children or visiting family. When you take the time to think about what matters most, you can either ditch the items that fall down on your to-do list, or you can ask other family members to take some tasks off of your plate.

“You have a lot going on,” reminds psychologist David Rakofsky. “You can’t possibly do it all. Instead of lamenting your ‘losses,’ congratulate yourself on the everyday victories, like leaving the bed, smiling, and putting on pants.”

Whether you’re counting on your travels to go just as planned, finding the perfect gifts, or hosting the event of the season, having an idealized approach can set you up for disappointment. When you let go of your vision for the perfect holiday, you may find that you have far more joy this season, as well as far less stress. 

Stick to a Holiday Budget

The best way to manage financial stress is to set a realistic budget. Since nearly 1 in 4 people feel financially burdened by the holidays, there may be no better time to employ a budget than this time of year. “Be realistic when creating a budget by using real prices, not ballpark figures,”  says Family and Community Health specialist Joyce Cavanagh. “Don’t forget to include travel, food and entertaining costs in your holiday budget. And remember to jot down what you’ve bought so you don’t lose track of how much you’ve spent.”

Due to inflation, lower-income households may experience more financial stress this year. 29 percent of consumers say they’re stressed about the cost of holiday shopping, and 14 percent feel pressured to spend more than they’re comfortable with. Talking with your loved ones about minimizing holiday spending and gift-giving could take the pressure off of everyone and put the focus back on celebrating with loved ones. “Try managing your anxiety through transparency and planning,” says psychiatrist Dr. Georgia Gaveras. “You may end up being a hero this holiday season if you propose limiting the number of gifts everyone buys.”

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While you concentrate on the most wonderful time of the year, Insureyouknow.org can help you keep track of everything from financial records to travel itineraries and schedules. This season, stay organized when things get chaotic, and give yourself space to be present for all of what the holidays offer.

Legal and Financial Planning for Those with Alzheimer’s and Their Caregivers

November 1, 2023

If you or a loved one is diagnosed with Alzheimer’s or dementia, then there are certain things that you will need to plan for legally and financially. An estimated 6 million Americans have Alzheimer’s, and it is currently the seventh leading cause of death in the United States. Alzheimer’s is a brain disorder that slowly decreases memory and thinking skills, while dementia involves a loss of cognitive functioning; both cause more and more difficulty for an individual to perform the most simple tasks. Though a diagnosis can be scary, the right planning can help individuals and their families feel more at ease.

Putting Legal Documentation in Place

Christopher Berry, Founder and Planner at The Elder Care Firm, recommends three main disability documents that should be in place.

First, there needs to be a financial power of attorney, a document that designates someone to make all financial decisions once an individual is unable to do so for themselves. If an individual lacks a trusted loved one to make financial decisions, then designating a financial attorney or bank is an option.

The next document that needs to be in place is the medical power of attorney that designates someone to make medical decisions for an individual. In many cases, it may be appropriate to appoint the same person to be the financial and medical power of attorney, as long as that person is well-trusted by the individual. In the event that something happens to the original power of attorney(s), successor (or back-up) agents for power of attorney(s) should also be designated.

The last document is the personal care plan, which instructs the financial and medical power of attorney(s) on how best to care for the individual in need. For instance, those entrusted to the care of an individual will need to make sure they sign medical records release forms at all doctor’s offices; copies of the power of attorney or living will should also be given to healthcare providers.

These three documents provide a foundation to make decisions for the individual diagnosed with Alzheimer’s or dementia when they no longer can themselves. It’s ideal to include the individual in these conversations in the early stages of their diagnosis, so that they may be a part of the decision-making process and appoint people that they will feel most comfortable with during their care.

How to Pay for Long-Term Care

Since Alzheimer’s is a progressive disease, the level of care an individual needs will increase over time. Care costs may include medical treatment, medical equipment, modifications to living areas, and full-time residential care services.

The first thing a family can do is to use their own personal funds for care expenses. It’s important for families to remember that they will also pay in their time, as many children of loved ones with Alzheimer’s or dementia will become the main caregivers. It may be wise to meet with a financial planner or sit down with other family members, such as your spouse and siblings, to determine how long some of you may be able to forgo work in order to provide full time care.

When personal funds get low or forgoing work for a period of time becomes difficult, long-term care insurance can be a lifesaver. The key to relying on long-term care insurance though is that it needs to be set up ahead of the Alzheimer’s or dementia diagnoses, so considering these plans as one ages may be smart.

Veterans can make use of the veterans benefit, or non-service-connected pension, which is sometimes called the aid and attendance benefit. This benefit can help pay for long-term care of both veterans and their spouses.

Finally, an individual aged 65 or older can receive Medicare, while those that qualify for Medicaid can receive assistance for the cost of a nursing home. If someone’s income is too high to receive Medicaid, then the spenddown is one strategy to know; under spenddown, an individual may subtract their non-covered medical expenses and cost sharing (including Medicare premiums and deductibles) from their available income. With the spenddown, a person’s income may be lowered enough for them to qualify for Medicaid.

Minimizing Risk Factors During Care

Research published recently in the journal Alzheimer’s & Dementia found that nearly half of patients with Alzheimer’s and dementia will experience a serious fall in their own home. Author Safiyyah Okoye, who was at John Hopkins University when the study was conducted, recommends minimizing risks such as these by safeguarding homes early on in diagnoses. “Examining the multiple factors, including environmental ones like a person’s home or neighborhood, is necessary to inform fall-risk screening, caregiver education and support, and prevention strategies for this high-risk population of older adults,” she states.

The good news is that since the progression of Alzheimer’s is often slow, families have plenty of time to modify the home for increased safety.

In addition to fall prevention modifications, other safety measures may include installing warning bells on doors to signal when they’re opened, putting down pressure-sensitive mats to alert when someone has moved, and using night lights throughout the home. Coats, wallets, and keys should also be kept out of sight, because at some point, leaving the home alone and driving will no longer be safe. Conversations about these safety measures, such as when an individual will have to stop driving, are ones that caregivers should have early on with their loved ones. Including individuals in their future planning while they are still cognitively sound will help both them and their caregivers feel more comfortable with the journey ahead.

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It’s important to remember that even though receiving an Alzheimer’s or dementia diagnosis can be devastating, it is not the end. People with Alzheimer’s can thrive for many years before independent functioning becomes difficult. Both patients and caregivers will feel more calm through planning ahead. Insureyouknow.org can help caregivers stay organized by storing all of their important documents in one place, such as financial records, estate planning documentation, insurance policies, and detailed care plans. Above all, there is hope for those with Alzheimer’s; research is happening every day for potential therapies and future treatments.