What I Wish I Knew When Dementia Was Diagnosed: The role of Palliative & Hospice Care (#2)

Palliative-vs-HospiceMy parents and in particular my Mom often shared that QUALITY of life was her goal, not QUANTITY. After a diagnosis of dementia which can result in death, I had an ongoing struggle with what was important to do to honor my mother’s wishes.

The lines between “palliative care” and “hospice care” are confusing but they both focus on providing comfort. Palliative care can begin at diagnosis, and at the same time as treatmentHospice care begins after treatment of the disease is stopped and when it is clear that the person is not going to survive the illness. These lines are kinda blurry with dementia since there really is no “treatment” or “cure” (YET). 

I wanted to manage and strive for quality of life, keep Mom comfortable, but be mindful that we were not providing things that could extend her life.

When Mom started to refuse to take the anti-anxiety medication the care community was delivering, I realized that it was being delivered with a host of vitamins. Was it important to give my 80-year-old mother a multi-vitamin?

My Mom didn’t really like taking pills, so delivering 4, of which one was really important to minimize her stress became the only one I asked them to deliver. I followed up with the doctor who agreed that the other pills were not really necessary and her medication regimen was updated.

When Ensure was recommended as an addition to her meals, I asked more questions to make sure it wasn’t been forced or delivered as a meal replacement over providing her with food options she would still eat.

Apparently dementia and age can impact your taste and there seemed to be a strong preference for salty and sweet foods. She was never much of a salad or veggie person and it seemed odd to start worrying about nutrition when she often couldn’t remember names or faces. I didn’t want her to be hungry, but I also wanted to let her have some control even through her diagnosis over day-to-day choices.

My toughest challenge was when her hip broke and the doctor insisted we lift the DNR (Do Not Resuscitate) order for her so they could repair her broken joint. At 83 and very frail, there was no way she would have survived the surgery and they agreed to move her into Hospice Care. Over the previous year, she had been in and out of Hospice Care as she continued to weaken. However, with the addition of the broken hip, we now had the option to keep her comfortable with morphine that would eventually end her life.

These were difficult and guilt-inducing decisions, but I always worked to meet what I believed to be my mother’s wishes. Knowing these options may not just better serve the comfort, but also allow you to focus more on enjoying time with your loved one than managing medical matters.

Would the vitamins and Ensure prevented the eventual hip break? I will never really know but after caring for two parents now realize how important it is to let the will of the individual influence their daily choices, even after a diagnosis of dementia.

You will have a lot of options and choices to make over the course of your journey. Just know you will make the best decision you can with the information you have at the time you need to make choices for your loved one. Hospice can be a valuable option during your care journey. Reminded. 

 

What I Wished I Knew When Dementia Was Diagnosed: Anosognosia(#1)

I was recently asked this question at a Caregiver Advisory Panel and there are 3 things I wish I had known when dementia was FINALLLLLYYYY diagnosed.  The reality is that many things can cause memory issues and it’s important to seek out a doctor to help determine if there is something that could easily resolve cognitive issues. There are many times when a medication conflict or a vitamin deficiency can be a root factor.

I had two parents who were simultaneously diagnosed with different types of dementia (Mom was Vascular/then Multi-Infarct; Dad was Alzheimer’s). While my Dad seemed to understand something was wrong, and a few times over the course of being his adult family caregiver he asked me about Alzheimer’s, my Mom patently denied having a stroke which led to her initial vascular dementia diagnosis.

anosognosia-1

I thought she was just being stubborn which made things pretty difficult for all of us. When I learned about anosognosia, a word of Greek origin that roughly translates to “without knowledge of disease,” things made a lot more sense to me. I had learned to adapt because my Mom would not, but then once I learned of this, I understood that she really COULD NOT adapt.  In general, the person is unaware of their condition and unable to accept it.

My Mom was not simply in denial or being stubborn, her brain could not process the fact that her thoughts didn’t reflect reality. I did recognize that she would often confabulate information. Sometimes it was hilarious and other times it was tragically sad.

Knowing this can provide some insight into how you can best help someone diagnosed with dementia. I hope it can help make your journey with your loved one a little easier. Reflected. 

There is a Statute of Limitations on IRS Refunds

timemoneyIt physically pains me to find someone, through oversight or because of overwhelming life events, failed to do what was needed to get the refund to which they were entitled to receive from the IRS.

I just learned this when a client was told by the IRS that the 2014 and 2015 returns she eventually filed were submitted too late to allow her to receive the nearly $12,000 she was entitled to receive. She thought her life partner had filed these when we started working together. Unfortunately, he never did file them or ask for an extension.

According to I.R.C. Section 6511(a) “Claim must be filed within 3 years from the time the return was filed or 2 years from the time the tax was paid, whichever of such periods expires the later, or if no return was filed by the taxpayer, within 2 years from the time the tax was paid.”  There are things like extension requests that help your timing. Check with an accountant to learn more about this if you might be in this boat.

At least half of the families I have worked with find out that taxes didn’t get filed. The early signs of dementia are subtle and the individual may believe they are doing all the right things. It usually takes a couple big financial mistakes before people realize their loved one is unable to really manage their financial affairs.

If you are not sure if the taxes have been addressed, you can request transcripts from the IRS here.

Caring for a loved one can be overwhelming. If you need some help looking into this and no one is able to help, you could find a local Daily Money Manager who can help out. If you have a lot of medical expenses, the few hundred dollars it might take to hire them to help will more than be repaid when you receive your refund. If you can’t find one in your area, let me know. There are several members of my team that can assist with this remotely.  Recommended. 

 

 

Simplify your Finances – Healthy Habit 30

keepitsimpleThe final and one of my all-time favorite habits — and what I made a career out of — is simplifying finances. It is easy to get a new credit card, and often even to open up a new bank account. As our priorities change and our income grows, we often forget or fail to get rid of unwanted credit cards and bank accounts, we no longer use.

Your life will be infinitely easier if you are only managing a few accounts. Today, most of us have a wide array of bill pay vendors we use. While I started out my adult life with one phone utility, I now have a home phone and internet provider,  mobile phone provider, radio service for my car, and a DirectTV for home entertainment. The array of new services fostered by technology has made many aspects of our financial lives more complex.

The number of accounts, services, and vendors I work with has quadrupled. What I am trying to minimize is the number of financial institutions I work with to make what is already overwhelming feel more manageable.

I hope you will take a few minutes to inventory your financial service providers and credit card accounts. Can you whittle them down? It will make your financial roadmap simpler and minimize the time needed to manage your assets.

If you don’t really know of all the credit card accounts you have in your name, you could run a credit report. Here is a whole summary of your options and how to get your free credit report.

Streamlining this aspect of your life will save you time, energy, and minimize your stress. It will also make it easy for someone to step in and help you when you need it. And most likely, we will all need that help at some point in our lives. Witnessed. 

Document your Medical History and Extended Family Histories – Healthy Aging Habit 29

familyhealthhistory

Have you ever been asked to recite your medical history and been a little fuzzy on a few of the dates?  The longer I live, I feel like the harder it is getting to know exactly when I had specific surgeries. Thankfully I have kids so it has been easier to track based on their birth since two of them coincided with their births. However, I know this is going to get harder the longer I live.

I know when I had to help my parents, knowing the familiar history of their families was important. Thankfully, my cousins could help out when we were faced with Dad’s cancer.

In general, having this done in advance will benefit you. So often these questions are asked of us, and most often, we don’t really know of our extended families history.

As we move into the holidays you can find ways to learn more about your extended family. WebMD offers this family health checklist, but I sure hope you can figure out how to better ask these questions. I’ve always gone in a little soft to ask about their lives and their passions and in that, if there were a health issue, it usually gets mentioned and from there you can go a little deeper.

Just having this written down about yourself will help you and may assist a loved one. Seventy percent of us will need someone to be their health advocate — and I want to make sure my loved ones have what they need to help me. Prepared. 

Add Home Maintenance Milestones to your Personal Calendar – Healthy Habit 28

checklist

There is no reason to try and remember these things. I recommend that you add it to the ONE calendar you keep (Health Habit #1) so that those things you should do to maintain your household get done.  For most American’s, your home represents one of your largest personal assets and taking care of it will benefit you in the long run.

Here are some of the basics:

Quarterly:

  • Change or clean the filter in your furnace. It makes it easier for your HVAC and furnace to regulate your home’s temperature, and ultimately decrease utility bills.
  • Clean the garbage disposal by grinding ice cubes, then flushing with hot water and baking soda.

Fall

  • Replace batteries and test smoke alarms and carbon monoxide detectors.
  • Rake leaves and aerate the lawn.
  • Have your forced-air heating system inspected by a professional. T
  • Remove leaves and debris from gutters and downspouts.
  • Drain and winterize exterior plumbing.
  • Drain and store hoses, and drain in-ground sprinkler systems.
  • Wrap insulation around outdoor faucets and pipes in unheated garages.
  • Cover your air-conditioning unit.
  • Vacuum refrigerator and freezer coils.

Spring

  • Remove leaves and debris from gutters and downspouts.
  • Remove the insulation from outdoor faucets and check sprinkler heads.
  • Have your HVAC system serviced by a professional.
  • Drain or flush water heater.
  • Fertilize your lawn.
  • Prune trees and shrubs and apply mulch to your garden beds.

For a longer list, visit Better Homes & Gardens to see what they recommend.

Having a way to manage these reminders can help make sure it gets done. I hope you will add in those things that are important to you. Advised. 

Sort your Postal Mail Daily PLUS … Healthy Habit 27

stackofmail

I am the WORST offender of the first part of this habit.

Sorting mail daily for clients has made me akin to the cobblers children with no shoes. I usually let it pile up and go through the pile weekly.

It’s annoying to friends and family that have sent mail because I typically prioritize the bills and statements and leave the “fun” stuff for that period of the day when I have a bunch of free time. That usually means I won’t see it until the weekend.

I keep trying to remind myself to “touch it once” and now I am at least reviewing it daily and culling out all the junk mail when I bring it up from the mailbox.

Do what you can. I am just recommending you sort it daily, at least weekly, and be sure to REVIEW your statements.

I find people decide to set up their credit cards on autopay and they truly set it and forget it. They STOP checking the itemized purchases. When I start working with clients and  we do this together for the first time we find HUNDREDS of dollars that have crept into their monthly charges they either didn’t know about or are not using.

The paperless setting lures you into this habit. I hope you will at least add a monthly reminder to review your charges if you have electronic billing. If you find you are not doing this, maybe you can go back to mailed statements? Suggested. 

Visit Missing Money – Healthy Aging Habit  26

money

I found $100 on Missing Money in my name last year. It was a refund check from a utility that never made it to my mailbox. Some of the unclaimed money could be something you never knew you were entitled to receive.

I recommend visiting this site annually for you and your loved ones since it is constantly being updated. I can take years for accounts to go dormant.

Follow these steps:

  • Visit MissingMoney.com
  • Put in your name (or the name of a loved one) and “Start Your Search”
  • Scroll to find the results and initiate the Claim. See the example below for what you should look for. You will have to scroll down past Ads to find the results. The “Claim” button will take you to the state or province website to initiate your claim.
missingmoneyclaim

Please know that you should NEVER have to pay to get your own money so if you are being asked to give a credit card or agree to a percentage of the money, you have ended up on the wrong site. You should never have to pay anyone to get back your own money.

You should also not find that anything is downloading from this site to your computer. If you are prompted, you have clicked on an Ad instead of finding the Claim button.

If and when you find some money – please tell me!  I love to hear all the stories of those that have done this and found money they never knew they were entitled to receive. Whether it is this your or a future year becuase you have continued this Health Aging Habit. Encouraged.

Make color copies of your important personal documents and include a directory of their location – Healthy Aging Action 25

birth cert

In order to get my “Real ID”, I had to show up with a few of my own personal documents. There will be several times in your life when you are going to need these papers and most likely, will have to provide a color copy.

Most agencies require color copies because they are more difficult to alter.

Caregivers know how important having access to health insurance cards and personal documents like birth certificates can be. There were many instances when I needed to have copies of my parent’s military, social security, birth and marriage certificates. I also needed a host of personal documents as their Executor.

Take ten minutes to go to the color copier you probably already have at home to make copies of your

  • Birth certificate/naturalization documents
  • Social Security card/number/statements
  • Marriage license/divorce /child custody documents
  • Driver’s license
  • Military identification/service records
  • Passport/green card

Put them in the same place you have stored your other important papers and estate plans. The good news is that once this is done, you really don’t have to do it again. Just make sure they can be easily found when you need them. Encouraged.  

Get Health Screenings Done When Recommended – Healthy Aging Habit 24

healthscreen

If you are seeing a good primary care physician, hopefully once a year, they will perform some basic screenings based on your height and weight, blood pressure and health complaints.

I’m not a doctor, but culled information online and am sharing what I found. This is not a substitute for medical advice and I encourage you to regularly see your primary care physician who will help you know when screenings are right for you.

In general, everyone should be seeing a dentist at least annually if not twice a year. Oral hygiene is a major component of good health.

In general, your doctor will perform or recommend regular screenings for:

  • Cholesterol
  • A full body scan for moles or skin lesions if you have a familiar history

For women: Breast, pelvic, and pap smears

For men: Testicular

For women at 40, Mammograms are recommended unless there is a familiar history and then this is usually done earlier.

For men, at the age of 50 they recommend prostate screenings unless you are a high-risk individual then you start typically start at the age of 40.

50 is the magic number for a colonoscopy. If there is a familiar history, it is ten years earlier than the youngest family member with colon cancer.

At 65, it is recommended that men and women should have a bone density study every 2 – 5 years; this may start at the age of 60 if you’re in a high-risk population.

For those of you caring for loved ones with dementia, I will leave it up to you to determine how to manage preventative health care recommendations. I do know that I had to fight a regular battle with her care community over vitamins and supplements. I also struggled with the recommendation to add Ensure to her diet. My Mom was very clear that she wanted quality of life over quantity. I believed that she should eat what she wanted. It was the one thing she could choose to do and control.

I hope you will discuss these issues with you, or your loved one’s doctor. Early detection can not just save your life, but afford you a much better outcome. Suggested.

Get an Annual Flu Shot and Consider the Recommended Vaccinations – Healthy Aging Habit #23

flu shot

As a caregiver, I started to think about how my health (or poor health) would impact my parents. I didn’t want to be the one to bring the flu to them, so made sure I got annual flu shots. I avoided the shots for years thinking that having a dead virus shot into my arm sounded kinda gross … it still does, but know I know the value of avoiding the flu for myself and others.

In my role as a Daily Money Manager, I research varied ways to save my clients money—from simple things like reviewing phone and cable plans to bigger issues like refinancing and downsizing options.

At a training workshop, I learned that the lack of vaccinations is estimated to cost the American people $15.3 billion. It never dawned on me how much money NOT getting a flu shot costs me either directly on medication and doctor visits, or indirectly through lost wages and discomfort.

In addition to the flu vaccine, three other vaccinations. Some are recommended for adults over 60, but for many it may be a good idea to get it early.

Ask your doctor about these vaccines for those you are caring for, but they might also benefit you and I hope you will discuss them with your doctor.

  • Shingles or herpes zoster vaccine — if you know anyone who has developed shingles, you know how debilitating it can be. The healthcare cost of treating shingles is estimated at $1 billion a year. There are more than one on the market now and they are hard to get. Get on a waitlist if they are out at either your doctors or a local drug store.
  • Tdap — while many of us with kids still in the household are familiar with this vaccination, only 16% of adults over 65 have gotten it. My son received the vaccination that includes vaccines for tetanus, diphtheria, and pertussis but did contract whooping cough. It was awful in a 13-year-old, but apparently, it’s even more devastating for adults. Next time you need a tetanus shot, ask if you can get Tdap instead.
  • Prevnar 13 and Pneumovax 23 for the prevention of pneumonia, which kills more annually than any of the others mentioned.

The annual flu shot is now a household habit and the I’ve already discussed the other vaccinations with my primary care physician. Completed.