Thanksgiving – Tips to Minimize Stress While Caregiving During the Holidays

Posted on November 17, 2012 by Jessica Perez

Thanksgiving – Senior welfare home care, san diego, california –

Thanksgiving – Tips to Minimize Stress While Caregiving During the Holidays

Holidays are supposed to be times of joy, celebration and rest. But if you’re caring for a loved one, they can be anything but restful. Mary Alexander from Home Instead, Inc., franchisor of the Home Instead Senior Care^® network, shares a few tips family caregivers can follow to manage expectations and minimize stress. Watch the video.

Struggling with caring for a loved one? Call 888-741-5172 for 24 hr support and resources.

5 Tips for Surviving Thanksgiving.

Quick tip#1

You can do this whenever you have time. And they are beautiful cards.
www.jacquielawson.com

Quick tip #2

When there are only two of you cooking a whole meal seems kind of a waste. However, it does not seem like Thanksgiving or any other holiday without the traditional meal. Well . . . This little resturaunt well known in the middle and west of our country will prepare the meal to go including pie.
www.sharis.com

Quick tip #3

Looking for something to do and not sure what to do for entertainment. Okay, well first this was not a problem 20 years ago, now was it? How about some soft music and a little dancing right there in your home? Wow, remember those days when you could dance all night or how about a board game. And there is always reading aloud. OR if you really can’t think of anything and none of this is tempting there is always T.V.

Quick tip #4

Next time you are in the grocery buy a bag of raw peanuts. Place them on a baking sheet with a lip (to prevent spillage), set the oven at 190 degrees and roast them. It will take two to three hours, not only is this nutritious but the house smells so good. Be careful not to get burned when they first come out.

Quick tip #5

Remember when, where and how you met? See if you can remember all the firsts in your life. Use a paper and pen, (no one will see this but you, unless you chose otherwise). First kiss, first home, first car and so on; this can be a lot of fun.

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Secure Care Inc.9665 Granite Ridge Dr. Ste. 205

San Diego, CA 92123 USA

P: 858.277.3722

F: 858.277.6737

homeinsteadsd@aol.com

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Posted in Award Winning Senior Care Franchise, Baby Boomers, Become a Caregiver, Crime against seniors, Crime against the elderly, Elderly Home Safety, Financial Exploitation, Fraud Protection Kit, Home Care, Identity Theft, Senior Care Services, Senior Care Videos, Senior Emergency Plan, Uncategorized | Tagged 24/7 elderly care, 24/7 senior care, Alois Alzheimer, Alzheimer’s, become a caregiver, California, care giver, care givers, caregiver, caregiver stress, caregiverstress.com, crime against seniors, crime against the elderly, depression, father’s day gifts, financial exploitation, fraud, fraud protection kit, health care fraud, Identity Theft, senior care services, senior scams, seniorcareservices | Leave a reply

How to Find Medicare Information – How to Handle the Medicare Maze (5 of 5)

Posted on November 16, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

How to Find Medicare Information – How to Handle the Medicare Maze (5 of 5)

Finding Medicare information can be tricky and time consuming, but Mary Alexander from home Instead Senior Care details government and non-profit sources that can make your research easier and faster, with some resources dedicated to helping you identify benefits that can save you money.

US Government Website on Medicare

http://www.medicare.gov/

Medicare Open Enrollment: What’s your back-up pla

By: Jonathan Blum, CMS Acting Principal Deputy Administrator and Director, Center for Medicare

We all like to plan ahead – whether it’s planning for a road trip next summer or planning a big family get-together. Despite our best planning, uncertainty is a fact of life. We always need a back-up plan. What if the car breaks down? What if it snows on the day of the get-together?

Nobody likes to think of back-up plans when it comes to our health, but health can be as unpredictable as the weather. It’s hard to know what you’ll feel like next week, much less what health care you’ll need next year. But that’s exactly what you need to think about when you’re shopping for health coverage during Medicare Open Enrollment – which ends on December 7.

Even when future needs can be hard to forecast, taking stock of your current situation can help. Review your prescription drug needs, and look for a plan that meets those needs. Plans may vary in what drugs they cover, and some may have special rules that you must follow before they cover a drug.

You may have other health insurance from a current or past job, or through a family member. If you do, you’ll want to understand exactly how that other coverage works with Medicare. You may decide to keep what you have now – and that’s ok.

It’s worth your time to take a look and compare coverage. Use the Medicare Plan Finder to look at all of the health and drug plan options in your area. If you still need help comparing, call 1‑800‑MEDICARE (1‑800‑633‑4227). TTY users should call 1-877-486-2048.

While you can’t predict everything in life, you can do your best to be prepared. Medicare will be there, stronger than ever, to help.

Stay up to date on the latest Medicare news and follow us on Twitter @Medicaregov.

Looking for information on health care in Canada? Click here to view the entire “How to Handle the Canadian Health Care Maze” video series.

Get notified by email when new videos are released.

Struggling with caring for a loved one? Call 888-741-5172 for 24 hr support and resources.

NEED a CAREGiver^SM

Compassionate CAREGivers are ready to help seniors live independently at home.

Inquire about service today!

Become a CAREGiver^SM

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Inquire about being a CAREGiver

Jessica Perez

Office Manager

Home Instead Senior Care

Secure Care Inc.9665 Granite Ridge Dr. Ste. 205

San Diego, CA 92123 USA

P: 858.277.3722

F: 858.277.6737

homeinsteadsd@aol.com

www.homeinstead.com/158

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is independently owned and operated.

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Medigap Supplemental Insurance Covers What Medicare Doesn’t – (4 of 5)

Posted on November 15, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

Medigap Supplemental Insurance Covers What Medicare Doesn’t – How to Handle the Medicare Maze (4 of 5)

Medicare supplemental insurance, also referred to as a “medigap policy”, is private health insurance for those enrolled in Medicare Part A and B. Medicare pays none of the costs for a medigap policy, which helps pay for costs that Medicare doesn’t cover such as copays, co-insurance, and deductibles. It also does not cover Medicare parts C and D.

Medicare supplemental insurance guide.
This official government guide has important information about the following:
• What is a Medigap (Medicare Supplement Insurance) policy
• What Medigap policies cover
• Your rights to buy a Medigap policy
• How to buy a Medigap policy

This guide can help if you’re thinking about buying a Medigap policy or already have one.

How to use this guide

There are two ways to find the information you need:
1. The “Table of Contents” on pages 3–4 can help you find the sections you need.
2. The “List of Topics” on pages 53–56 lists topics in this guide and the page number of where to find them.

Who should read this guide?

This guide helps people with Medicare understand Medigap (also called “Medicare Supplement Insurance”) policies. A Medigap policy is a type of private insurance that helps you pay for some of the costs that Original Medicare doesn’t cover.

Looking for information on health care in Canada? Click here to view the entire “How to Handle the Canadian Health Care Maze” video series.

Get notified by email when new videos are released.

Struggling with caring for a loved one? Call 888-741-5172 for 24 hr support and resources.

NEED a CAREGiver^SM

Compassionate CAREGivers are ready to help seniors live independently at home.

Inquire about service today!

Become a CAREGiver^SM

Seeking employment? Have what it takes to help seniors lead rewarding lives?

Inquire about being a CAREGiver

Jessica Perez

Office Manager

Home Instead Senior Care

Secure Care Inc.9665 Granite Ridge Dr. Ste. 205

San Diego, CA 92123 USA

P: 858.277.3722

F: 858.277.6737

homeinsteadsd@aol.com

www.homeinstead.com/158

Each Home Instead Senior Care Franchise

is independently owned and operated.

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Types of Medicare Coverage – How to Handle the Medicare Maze (3 of 5)

Posted on November 14, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

Four Parts to Medicare – How to Handle the Medicare Maze (3 of 5)

Open Enrollment begins a little earlier this year. Change your Medicare health or prescription drug coverage for 2013. Open Enrollment: October 15 – December 7, 2012.

The four parts of Medicare are covered in depth in the third entry from the “How to Handle the Medicare Maze” video series.

– Part A: Hospital Insurance
– Part B: Medical Insurance
– Part C: Medicare Advantage
– Part D: Prescription Drug Coverage

Medicare Part A (Hospital Insurance)

PART A helps cover medically necessary inpatient care in hospitals. It also helps cover skilled nursing facility, hospice care and home health care.

However, you must meet certain requirements to get these benefits. One way you become eligible for Part A is just by turning 65, even if you’re still working. During your working years, you have probably paid for Part A through payroll deductions.

Part A doesn’t cover all your expenses – you are responsible for copayments and a deductible when you use Part A services.
Medicare Part B (Medical Insurance)

Medicare Part B helps cover doctor’s services and outpatient care. It also helps pay for some preventative services and services Part A doesn’t cover including physical and occupational therapy and some home health care – if these services are medically necessary.

It’s important that you sign up for Part B when you become eligible. If you don’t, your Part B premium may be higher.

Parts A and B together cover much of the medical care you need, but not all of it. For example, Part A and B (called Original Medicare) do not cover prescription drugs. This is where Parts C and D come into play.
Medicare Part C (Medicare Advantage Plans)

Medicare Advantage plans are health plan options approved by Medicare and administered by private health insurance companies like Humana.

These plans include all the benefits of Original Medicare and more like prescription drug coverage and annual physical exams that Medicare doesn’t cover.

In addition, some plans offer extra services like wellness programs and fitness center memberships at no additional cost. Finally, Medicare Advantage plans may reduce out-of-pocket expenses.

Several types of Medicare Advantage plans are available:
- HMO – Health Maintenance Organization
- PPO – Preferred Provider Organization
- PFFS – Private Fee-for-Service
You must be enrolled in both Medicare Parts A and B to join a Medicare Advantage plan, which then acts as a alternative for Parts A and B.
Medicare Part D (Prescription Drug Coverage)

Medicare Part D helps cover prescription drugs and like Medicare Advantage, Medicare Part D is available only from private insurers that contract with Medicare.

This coverage may help lower your costs and protect against higher costs in the future.

Remember, you don’t get Part D automatically – you have to select it. You can enroll in a stand-alone plan or enroll in a Medicare Advantage plan that includes prescription drug coverage.

You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:
- 1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;
- The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office

Looking for information on health care in Canada? Click here to view the entire “How to Handle the Canadian Health Care Maze” video series.

Get notified by email when new videos are released.

Struggling with caring for a loved one? Call 888-741-5172 for 24 hr support and resources.

NEED a CAREGiver^SM

Compassionate CAREGivers are ready to help seniors live independently at home.

Inquire about service today!

Become a CAREGiver^SM

Seeking employment? Have what it takes to help seniors lead rewarding lives?

Inquire about being a CAREGiver

Jessica Perez

Office Manager

Home Instead Senior Care

Secure Care Inc.9665 Granite Ridge Dr. Ste. 205

San Diego, CA 92123 USA

P: 858.277.3722

F: 858.277.6737

homeinsteadsd@aol.com

www.homeinstead.com/158

Each Home Instead Senior Care Franchise

is independently owned and operated.

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Medicare Eligibility and Enrollment – How to Handle the Medicare Maze (2 of 5)

Posted on November 12, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

Medicare Eligibility and Enrollment – How to Handle the Medicare Maze (2 of 5)

Open Enrollment begins a little earlier this year. Change your Medicare health or prescription drug coverage for 2013. Open Enrollment: October 15 – December 7, 2012.

Medicare eligibility and enrollment in Medicare is covered in depth in the series part of the “How to Handle the Medicare Maze” video series. Topics covered include the 4 parts of Medicare coverage, labeled A, B, C, and D, and eligibility based on age and residency.

Looking for information on health care in Canada? Click here to view the entire “How to Handle the Canadian Health Care Maze” video series.

Get notified by email when new videos are released.

Struggling with caring for a loved one? Call 888-741-5172 for 24 hr support and resources.

NEED a CAREGiver^SM

Compassionate CAREGivers are ready to help seniors live independently at home.

Inquire about service today!

Become a CAREGiver^SM

Seeking employment? Have what it takes to help seniors lead rewarding lives?

Inquire about being a CAREGiver

Jessica Perez

Office Manager

Home Instead Senior Care

Secure Care Inc.9665 Granite Ridge Dr. Ste. 205

San Diego, CA 92123 USA

P: 858.277.3722

F: 858.277.6737

homeinsteadsd@aol.com

www.homeinstead.com/158

Each Home Instead Senior Care Franchise

is independently owned and operated.

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Medicare Open Enrollment – San Diego, CA (1 of 5)

Posted on November 11, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

Medicare Open Enrollment Begins October 15

Open Enrollment begins a little earlier this year. Change your Medicare health or prescription drug coverage for 2013. Open Enrollment: October 15 – December 7, 2012.
Related Video Series: How to Handle the Medicare Ma

How to Handle the Medicare Maze (1 of 5)

U.S. Medicare is covered in depth in this series hosted by Mary Alexander, a certified senior advisor from Home Instead Senior Care. Topics in this series include the components of Medicare, Medicare eligibility and enrollment, types of Medicare coverage, supplemental insurance, and where to find Medicare information.

Looking for information on health care in Canada? Click here to view the entire “How to Handle the Canadian Health Care Maze” video series.

NEED a CAREGiver^SM

Compassionate CAREGivers are ready to help seniors live independently at home.

Inquire about service today!

Become a CAREGiver^SM

Seeking employment? Have what it takes to help seniors lead rewarding lives?

Inquire about being a CAREGiver

Jessica Perez

Office Manager

Home Instead Senior Care

Secure Care Inc.9665 Granite Ridge Dr. Ste. 205

San Diego, CA 92123 USA

P: 858.277.3722

F: 858.277.6737

homeinsteadsd@aol.com

www.homeinstead.com/158

Each Home Instead Senior Care Franchise

is independently owned and operated.

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FBI on Reverse Mortgage Scam – San Diego, CA

Posted on November 10, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

FBI Fraud Warning Senior: Reverse Mortgage Scam

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Reverse Mortgage Scams

The FBI and the U.S. Department of Housing and Urban Development Office of Inspector General (HUD-OIG) urge consumers, especially senior citizens, to be vigilant when seeking reverse mortgage products. Reverse mortgages, also known as home equity conversion mortgages (HECM), have increased more than 1,300 percent between 1999 and 2008, creating significant opportunities for fraud perpetrators.

Reverse mortgage scams are engineered by unscrupulous professionals in a multitude of real estate, financial services, and related companies to steal the equity from the property of unsuspecting senior citizens or to use these seniors to unwittingly aid the fraudsters in stealing equity from a flipped property.

In many of the reported scams, victim seniors are offered free homes, investment opportunities, and foreclosure or refinance assistance. They are also used as straw buyers in property flipping scams. Seniors are frequently targeted through local churches and investment seminars, as well as television, radio, billboard, and mailer advertisements.

A legitimate HECM loan product is insured by the Federal Housing Authority. It enables eligible homeowners to access the equity in their homes by providing funds without incurring a monthly payment. Eligible borrowers must be 62 years or older who occupy their property as their primary residence and who own their property or have a small mortgage balance. See the FBI/HUD Intelligence Bulletin for specific details on HECMs as well as other foreclosure rescue and investment schemes.

Tips for Avoiding Reverse Mortgage Scams:

Do not respond to unsolicited advertisements.
Be suspicious of anyone claiming that you can own a home with no down payment.
Do not sign anything that you do not fully understand.
Do not accept payment from individuals for a home you did not purchase.
Seek out your own reverse mortgage counselor.

If you are a victim of this type of fraud and want to file a complaint, please submit information through our electronic tip line or through your local FBI office. You may also file a complaint with HUD-OIG at www.hud.gov/complaints/fraud_waste.cfm or by calling HUD’s hotline at 1-800-347-3735.

Read our intelligence bulletin on reverse mortgages.

Additional Resources on Frauds Impacting Seniors:
– USA.gov Resources for Seniors
– Resources from the United States Senate Special Committee on Aging

NEED a CAREGiver^SM

Compassionate CAREGivers are ready to help seniors live independently at home.
Inquire about service today!

Become a CAREGiver^SM

Seeking employment? Have what it takes to help seniors lead rewarding lives?
Inquire about being a CAREGiver

Jessica Perez
Office Manager

Home Instead Senior Care
Secure Care Inc.9665 Granite Ridge Dr. Ste. 205
San Diego, CA 92123 USA
P: 858.277.3722
F: 858.277.6737
homeinsteadsd@aol.com
www.homeinstead.com/158
Each Home Instead Senior Care Franchise
is independently owned and operated.

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FBI on Internet and Investment Fraud – San Diego, CA

Posted on November 9, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

FBI Fraud Warning Senior: Internet and Investment Fraud

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Internet Fraud

As web use among senior citizens increases, so does their chances to fall victim to Internet fraud. Internet Fraud includes non-delivery of items ordered online and credit and debit card scams. Please visit the FBI’s Internet Fraud webpage for details about these crimes and tips for protecting yourself from them.

Investment Schemes

As they plan for retirement, senior citizens may fall victim to investment schemes. These may include advance fee schemes, prime bank note schemes, pyramid schemes, and Nigerian letter fraud schemes. Please visit the Common Fraud Schemes webpage for more information about these crimes and tips for protecting yourself from them.

NEED a CAREGiver^SM

Compassionate CAREGivers are ready to help seniors live independently at home.
Inquire about service today!

Become a CAREGiver^SM

Seeking employment? Have what it takes to help seniors lead rewarding lives?
Inquire about being a CAREGiver

Jessica Perez
Office Manager

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FBI on Telemarketing Fraud – San Diego, CA

Posted on November 6, 2012 by Jessica Perez

Senior welfare home care, san diego, california –

FBI Fraud Warning Seniors:Telemarketing Fraud

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Telemarketing Fraud

If you are age 60 or older—and especially if you are an older woman living alone—you may be a special target of people who sell bogus products and services by telephone. Telemarketing scams often involve offers of free prizes, low-cost vitamins and health care products, and inexpensive vacations.

There are warning signs to these scams. If you hear these—or similar—“lines” from a telephone salesperson, just say “no thank you,” and hang up the telephone:

“You must act now, or the offer won’t be good.”
“You’ve won a free gift, vacation, or prize.” But you have to pay for “postage and handling” or other charges.
“You must send money, give a credit card or bank account number, or have a check picked up by courier.” You may hear this before you have had a chance to consider the offer carefully.
“You don’t need to check out the company with anyone.” The callers say you do not need to speak to anyone, including your family, lawyer, accountant, local Better Business Bureau, or consumer protection agency.
“You don’t need any written information about the company or its references.”
“You can’t afford to miss this high-profit, no-risk offer.”

Tips for Avoiding Telemarketing Fraud:

It’s very difficult to get your money back if you’ve been cheated over the telephone. Before you buy anything by telephone, remember:

Don’t buy from an unfamiliar company. Legitimate businesses understand that you want more information about their company and are happy to comply.
Always ask for and wait until you receive written material about any offer or charity. If you get brochures about costly investments, ask someone whose financial advice you trust to review them. But, unfortunately, beware—not everything written down is true.
Always check out unfamiliar companies with your local consumer protection agency, Better Business Bureau, state attorney general, the National Fraud Information Center, or other watchdog groups. Unfortunately, not all bad businesses can be identified through these organizations.
Obtain a salesperson’s name, business identity, telephone number, street address, mailing address, and business license number before you transact business. Some con artists give out false names, telephone numbers, addresses, and business license numbers. Verify the accuracy of these items.
Before you give money to a charity or make an investment, find out what percentage of the money is paid in commissions and what percentage actually goes to the charity or investment.
Before you send money, ask yourself a simple question. “What guarantee do I really have that this solicitor will use my money in the manner we agreed upon?”
Don’t pay in advance for services. Pay services only after they are delivered.
Be wary of companies that want to send a messenger to your home to pick up money, claiming it is part of their service to you. In reality, they are taking your money without leaving any trace of who they are or where they can be reached.
Always take your time making a decision. Legitimate companies won’t pressure you to make a snap decision.
Don’t pay for a “free prize.” If a caller tells you the payment is for taxes, he or she is violating federal law.
Before you receive your next sales pitch, decide what your limits are—the kinds of financial information you will and won’t give out on the telephone.
Be sure to talk over big investments offered by telephone salespeople with a trusted friend, family member, or financial advisor. It’s never rude to wait and think about an offer.
Never respond to an offer you don’t understand thoroughly.
Never send money or give out personal information such as credit card numbers and expiration dates, bank account numbers, dates of birth, or social security numbers to unfamiliar companies or unknown persons.
Be aware that your personal information is often brokered to telemarketers through third parties.
If you have been victimized once, be wary of persons who call offering to help you recover your losses for a fee paid in advance.
If you have information about a fraud, report it to state, local, or federal law enforcement agencies.

NEED a CAREGiver^SM

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Jessica Perez
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FBI on Anti-Aging Fraud – San Diego, CA

Posted on November 5, 2012 by Jessica Perez

Senior welfare home care, san diego, california – FBI Fraud Warning Seniors: Cemetery Fraud

FBI Fraud Target: Senior Citizens – What to look for

The FBI’s Common Fraud Schemes webpage provides tips on how you can protect you and your family from fraud.

Fraudulent “Anti-Aging” Products

Tips for Avoiding Fraudulent “Anti-Aging” Products:

If it sounds too good to be true, it probably is. Watch out for “Secret Formulas” or “Breakthroughs.”
Don’t be afraid to ask questions about the product. Find out exactly what it should and should not do for you.
Research a product thoroughly before buying it. Call the Better Business Bureau to find out if other people have complained about the product.
Be wary of products that claim to cure a wide variety of illnesses—particularly serious ones—that don’t appear to be related.
Be aware that testimonials and/or celebrity endorsements are often misleading.
Be very careful of products that are marketed as having no side effects.
Question products that are advertised as making visits to a physician unnecessary.
Always consult your doctor before taking any dietary or nutritional supplement.

NEED a CAREGiver^SM

Compassionate CAREGivers are ready to help seniors live independently at home.
Inquire about service today!

Become a CAREGiver^SM

Seeking employment? Have what it takes to help seniors lead rewarding lives?
Inquire about being a CAREGiver

Jessica Perez
Office Manager

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