Why You Should Use Elder Law Planning

  • By 7006506106
  • 20 Oct, 2017

As we or our loved ones begin to age it might be a good idea to visit an elder law attorney. It may not be something that is at the forefront of our minds, but elder law planning is a vital component that can prevent you or your family from being impoverished.

 For example, imagine your father is an “Older American” that national statistics tell us has an average income of only $27,612 a year. This is only $2,301 a month of income to live on. Let’s say he also has the national estimate of average net worth at $232,000 but he’s not in debt.

 He tells you that he has decided to enter an assisted living facility. The average national costs for this will be at least $42,600 per year or $3,550 a month, which is a difference of $1,249 a month. He will incur a deficit immediately. He will have to start reaching into his savings just to pay his rent, not to mention paying for anything else. The average length of stay in an assisted living facility is 22 months. During this time, he will drain his assets down to $204,522 with rent alone.

 After the 22 months 59% of residents go on to live in a skilled nursing facility, 33% will pass away, and the remaining will move to a similar assisted living facility. If your father needs to move to a skilled nursing facility once leaving the assisted living home, his costs are going to skyrocket. The national average for a private bed is $7,440 a month. A shared room isn’t much cheaper and after just two years your father won’t have enough money to pay for a third year and his savings will be nearly exhausted.

 Your elder law attorney’s emphasis will be on the client’s quality of life, which means they will plan and promote adequate acute and long-term care options in the event that their client’s health begins to deteriorate. An elder law attorney works on more than just long-term care, they can also help with Medicare, income during retirement, and health-care decision making.

 Joyce Deitering has immersed herself in the study of elder law, including continuing legal education on planning for seniors and their families and those with special needs. In her desire to properly advise and serve clients with long-term care issues, such as assessment and residential placement, long term care insurance analysis, and home health care, she was instrumental in acquiring cutting edge software program for creating superior elder law and special needs planning legal documents. She has joined a forum in which ideas and expertise on elder law and special needs planning are freely exchanged among attorneys. You can contact her with any questions at 937-898-7673.

Oldham & Deitering Blog

By 7006506106 21 Dec, 2017

It was 1975 in Delhi India, when Charlotte Von Schedvin, descended from Swedish nobility, met street artist PK Mahanandia. She heard of the artist that could make a portrait in 10 minutes and sought him out, only to be disappointed by the result. So she returned the next day. According to Mr. Mahanandia, the sketches lacked because Charlotte distracted him by reminding him of something his mother told him as a child. Growing up in the lowest caste, below even cows and dogs, he would often feel depressed as a child, and to cheer him up, his mother would tell him the horoscope she read when he was born. It stated that he would one day meet and marry a woman "whose zodiac sign would be Taurus, she would come from a far away land, she would be musical and would own a jungle". PK's mother told him that he was free to find this woman and that they would not arrange a marriage for him.

PK mentioned this to Charlotte and she revealed that she was musical, and a Taurus. And while not owning a jungle, she did own a forest (given to her family when they helped the King in the 1700's). From there a whirlwind romance began but it was only to last a short while as Charlotte soon had to return home. A month after arriving in India, Charlotte had to leave, but PK vowed to follow her. However, a year later he had yet to leave due to being unable to afford a plane ticket. That wasn't going to stand in the way of love though; PK sold everything he owned, bought a bike, and took off to Sweden with only $80.

Along the way PK traded his art for food, money, and shelter. During the four month journey from India to Sweden they kept in contact through letter writing. Along the way he got rides from strangers and occasionally took the train for a while when he had enough money. As he puts it: "I bicycled for love, but I never loved biking." When he arrived in Boras he had made $800 through his art on the journey.

Eventually the two were married and had two kids. PK continues making art in Sweden to this day while Charlotte has spent her life teaching music. They promote local arts around the world, and give scholarships to students from PK's "untouchable" Dalit caste in India.

If you have any questions, call Oldham and Deitering at 937-898-7673.

By 7006506106 21 Dec, 2017

‘Tis the season for friends, families, and over spending. Unfortunately, most of us splurge too much at the holidays and spend the next several months paying it off. To help prevent this from happening to you we have made a list of tips to help you not overspend next Christmas and save money throughout the year.

Christmas Tips  

- Spend what you can afford and don’t worry if it’s the “perfect Christmas”. The memories will last longer than the gifts. Set a budget and stick to it. There are many apps you can use to budget, including Santa’s Bag.

 - If you’re having a rough time financially, talk to your friends and tell them that you don’t want to exchange gifts this year. Plan a night out with your friends and do something to celebrate the season, but have an agreement not to bring gifts. However, if you really want to exchange gifts but can’t afford much, consider a secret Santa amongst your friends, and have a limit of $10. 

- Give the gift of an IOU. Maybe not the most exciting thing to open, but if you missed out on that Black Friday sales check out the After Christmas sales. Use an IOU generator and let your loved one know what gift they can expect in a few weeks time. There is one available at https://www.moneysavingexpert.com/shopping/christmas-iou-certificate .

 - If you must open a credit card to help pay for gifts, get a 0% card and pay it off before the 0% ends.

 - Take a page from Santa’s book and make a list, and stick to it. Retailers want to get you with the impulse buys, but if you stick to your list you won’t get home having gone $100 over budget without realizing it. And on the subject of lists, have a list of everyone you want to buy for and make a note when you make a purchase – especially if you’re the type to make purchases all year.

 - Check post by dates. You don’t want to put off ordering or sending gifts and then find out to get them by Christmas you’ll need to pay $40 for shipping.

 - Buy next years Christmas cards and wrapping paper at the end of this season and you could save up to 90%. Also a great tip if you need a new tree, lights, or ornaments.

 - Always get a gift receipt. It would be a shame to purchase an item and it not work out, but the person you gave it to can’t return it because they don’t have a receipt. It’s especially true for electronic items. And as good as Snakes on a Plane is, no one needs two copies of it.


All Year Tips

- For some quick cash, consider selling unwanted items on eBay or Facebook.

- Buy generic or store brand items. Most of the time they taste the exact same and will save you a few dollars. Even for special events, there’s no need to spend extra money if no one is going to be able to taste the difference.

- If you’re shopping online, use a shopbot to help you find the best deals. Googling Shopbots gives you many options to save money.

- Book your travel in advance.

- Turn off the TV. You won’t be exposed to as my ads that make you want unnecessary things. You’ll also have a lower electric bill and possibly save money on cable, if you decide to downgrade your subscription.

- Sign up for rewards programs. People want you to shop at their store and they’ll often times reward you if you do. A fun tip for rewards programs is to set up an email account just for your rewards memberships so you know exactly where to look for extra coupons and information about sales.

- Practice the 30-Day rule. Avoiding instant gratification is an important rule when it comes to personal finance. If you think you want something, wait 30 days, and if you still want it, go ahead and buy it. Often times, however, the urge will have passed, and you’ll end up saving money simply by waiting. This is an especially helpful tip if you’re on the fence about the purchase to begin with.

- Cut back throughout the year so you don’t have to borrow at Christmas. Do you really need that fifth latte of the day? Save that money for Christmas and little by little it’ll add up.

 For any questions or concerns, call Oldham & Deitering at 937-898-7673.

By 7006506106 21 Dec, 2017

The holiday season is known for two things: bringing families together and bringing the stress out. The season brings about much joy, but it can also be a challenging time of year with all of the extra activities we have going on – it can especially be stressful for seniors who may push themselves beyond their limits.

If you have an elderly relative, especially one that you don’t see often, it’s hard to know their limits. Amy Fuchs, a licensed clinical social worker and owner of The Elder Expert, LLC in Saddle River, New Jersey says that “You can anticipate that they might need help, but they might not express to you that they’ve slowed down.” You could try offering them options and let them decide what they do to help. You shouldn’t assume their limitations though.

To help reduce holiday stress here are some tips to help you have a happy holiday season:

Make Healthy Choices
Most people go into the holidays expecting to gain some weight. You have more parties at this time of year, with richer, more decadent foods. Therefore it’s important to eat more healthy meals, especially if you have a party that evening.

Follow Dietary Restrictions
If you or a loved one needs to follow a special diet, it can be hard to stick to during the holidays. A helpful tip is to bring fresh-cut vegetables and fruit with you so that you have that healthy option available.

Just because it’s cold out doesn’t mean you can stop exercising. Try bundling up and taking a walk around the block. If it’s too cold out or if the weather is bad, go to the mall and do a few laps – anything to keep active.

Change Traditions
Hosting a holiday party can be incredibly stressful, especially for aging loved ones. If the family matriarch or patriarch usually hosts the party, consider passing the baton on to the next generation. That way the tradition continues, but with less stress for the seniors. If they insist on hosting the party split up responsibilities amongst the rest of the family.

Decrease Gifts
Many seniors are on a fixed income and the holidays can be a challenge due to all of the gifts they feel they need to buy. Try having a gift exchange or significantly reducing your budget. You don’t want to be paying off this years Christmas presents next Christmas.

Rest After Traveling
If your senior loved ones are traveling for the holidays, make sure they have time to rest when they arrive at their destination. Give them time for a nap or even time to just sit back and watch TV instead of jumping right in to the festivities.

Make Your Home Accessible
Do you have an older relative coming to your house for the holidays? Make sure your home is safe for them by removing trips hazards – area rugs and canes for example don’t mesh. Another idea is to use nightlights since visitors may not be used to the layout of your house.

Take a Break
Regardless of the activity; make sure you give everyone time to rest. All day outings can be exhausting, so make time for a break, even if it’s just sitting in a restaurant for a coffee.

Keep Them Involved
It’s all well and good to take some of the responsibilities from senior loved ones, but don’t completely take over their party. They still want to feel like they are part of the holidays, after all.

Above all, do your best to remember that the season is about family and try not to stress too much. If you have any questions about caring for an aging loved one, call Oldham and Deitering at 937-898-7673.

By 7006506106 03 Nov, 2017
Previously we shared with you stages 1 - 3 of Alzheimer's, which can be found here . Now we will discuss stages 4 - 7 of Alzheimer's, and what you can expect with each.

Stage 4: Moderate cognitive decline (Mild or early-stage Alzheimer’s disease)

As the disease progresses, in this stage doctors could start to see signs of problems in many different areas such as:

- Forgetting recent activities or events

- Weakened ability to perform challenging mental arithmetic; counting backwards from 100 by 7’s, for example.

- A significant amount of difficulty executing complex tasks, such as planning dinner for guests, paying bills, or managing finances.

- Having trouble remembering one’s own personal history.

- Becoming irritable or solitary, especially in social or mentally challenged situations.

Stage 5: Moderately severe cognitive decline (Moderate or mid-stage Alzheimer’s disease)

Day-to-day activities will not be able to be performed without assistance. By this time, those with Alzheimer’s may:

-Be unable to recollect their address, telephone number, high school, or college they graduated from.

- Not know or remember where they are or the current day and month

- Have difficulty with less mental math, such as counting backwards from 40 by subtracting 4’s or from 20 by 2’s.

- Need assistance with dressing for the appropriate season or occasion

- Can still remember significant details about themselves and their family.

- Can still be able to eat and use the restroom without help from a caregiver.

Stage 6: Severe cognitive decline (Moderately severe or mid-stage Alzheimer’s disease)

By this time, the individual’s memory continues to deteriorate, personality changes may occur, and they may need wide-ranging help with daily activities. Individuals may:

- Lose knowledge of recent occurrences as well as of their surroundings

- Remember their own name but have a hard time reminiscing about their personal history

- Able to tell familiar and unfamiliar faces apart, but have problems remembering the name of a spouse or caregiver.

- Need help dressing properly and may, easily make the mistake of putting on the wrong clothes or shoes on the wrong foot if not watched.

- Have changes in their sleep patterns – sleeping during the day and becoming agitated at night.

- Needs help with using the restroom (flushing the toilet, wiping, washing/drying hands, for example)

- Have trouble controlling their bladder or bowels.

- Have severe personality and behavioral changes, including suspiciousness and delusions (such as coming to the conclusion that a loved one or caregiver is not real) or compulsive, repetitive behavior like hand-wringing or tissue shredding.

- Tend to roam or become lost.  

Stage 7: Very severe cognitive decline (Severe or late-stage Alzheimer’s disease)

This is the final stage of the disease, in some cases individuals will lose the ability to function on their own, adapt and respond to their environment, and carry on conversations. However, they are still capable of saying words or phrases.

 Due to the fact that this phase is so severe, those that reach this point will require complete assistance. They will lose knowledge of how to do something as simple as walking. Their reflexes will become abnormal, and the muscles will become limp.

 The stages listed above can be different for each person that suffers from Alzheimer’s disease. It’s important that both seniors and caregivers know the signs of Alzheimer’s and dementia and can determine which stage one may be experiencing. Having Alzheimer’s disease can drastically change a person’s life, so it is up to those that can still function and live a normal life to help the ones that can no longer enjoy day-to-day activities as they once did.

 If you have any questions about protecting an aging loved one, call Oldham and Deitering at 937-898-7673.

By 7006506106 03 Nov, 2017

From February 22nd – 24th 2017 in Bali, Indonesia, the participants of the fourth World Ocean Summit devised a plan to protect the Coral Reefs. The result is the initiative called 50 Reefs. It will bring together leading scientists and conservationists to develop a list of the 50 most critical coral reefs to protect. It will be a catalyst to the global action and investment needed to prevent their extinction. 

The 50 Reefs program is being backed by a group of innovators in business, technology, and government. This includes Bloomberg Philanthropies, The Tiffany & Co. Foundation, and The Paul G. Allen Foundation, which are all influential leaders in the conservation community. These big name leaders will be able to build a network of scientists, communities, and organizations that can come together to help save the coral reefs.

 “When people think of climate change, they often think of extreme heat, severe storms, and raging wildfires. But some of the most disastrous effects of climate change are out of sight – on the ocean floor – and saving the remaining coral reefs is critical. Without coral reefs, we could lose up to a quarter of the world’s marine biodiversity and hundreds of millions of the world’s poorest people would lose their primary source of food and livelihoods.” Michael R. Bloomberg, UN Secretary – General’s Special Envoy for Cities and Climate Change.

 Instead of working to save individual reefs, this initiative is working on a global scale. It will address the threats facing all reefs, from overfishing and pollution, which are local threats, to rising temperatures and ocean acidification, which affect ecosystems globally. By working on global solutions, there is a better chance of 50 Reefs making a difference for coral reefs.

 To have a chance of thriving in the future, corals will need to adapt to rising temperatures. Unfortunately, corals are very vulnerable to temperature change. The corals that build reefs are home for 25% of all ocean life, so it is imperative that 50 Reefs find a way for them to adapt.

 Scientists aren’t expecting a miracle however, and expect to save only 10% of the reefs. Their research shows 90% of the reefs being destroyed by 2050. The University of Queensland’s Professor Hoegh-Guldberg says: “It’s based on the best science. It’s saying we will only have 10% left but let’s make sure those 10% have the best chance of survival.”

 The initiative is different from what most people would expect in that it shifts focus from the most critically endangered reefs to those that have the best chance of survival if global temperatures stabilize. Professor Hoegh-Guldberg has referred to it as a triage situation. “We’re only going to have 10% of today’s reefs there so, knowing that, how can we best provide support for those reefs so they do survive?”

 The plan is to identify the reefs least vulnerable to climate change, but also the ones that are most important as seed centers that will allow reefs to repopulate over time. Richard Vevers of The Ocean Agency said this was a real wakeup call that the planet is losing its most bio-diverse ecosystem. “It’s not about losing a tiger or a single species; it’s an ecosystem of up to a million species. We’re not just talking about corals; we’re talking about all the species that are dependent on those corals – that’s what’s so shocking about what’s happening right now.”

 The job of selecting the 50 reefs will fall to a team of international experts, who are expected to make their decisions by the end of 2017.

By 7006506106 03 Nov, 2017

We all know that diets have wide ranging benefits, from weight loss and focusing on healthier foods. Some people believe they have found that dieting can delay the aging process and boost brain health. They say that intermittent fasting (drastically reducing your food intake for short periods of time) can boost your health and delay the symptoms of Alzheimer’s.

Mark Mattson, chief of the laboratory of neurosciences at the National Institute on Aging in Baltimore, Maryland, had this to say on the subject: “We find that in the animals, the intermittent fasting reduces brain inflammation. “ He also pointed out that in mice studies, intermittent fasting dramatically improved heart health and prevented symptoms of Alzheimer’s. “Intermittent fasting improves cognition, that is learning and memory, and protects nerve cells from dysfunction and degeneration.”

More research needs to be done on humans before the full benefits of fasting can be understood, but Peter Bowes, a participant of a study where he tried the Prolon fasting diet, is convinced of the benefits. “You feel more productive…your brain is buzzing, your synapses are snapping. You’ve got a massive workload in front of you and you just plow through it.”

There are three different types of fasting diets. With the 5:2 plan, you eat normally five days a week, and for the other two days you will consume fewer that 600 calories. On the alternate day plan you eat normally one day, the next day you’ll eat fewer than 600 calories, and repeat so on. Finally, time restrictive fasting is when you only eat between noon and 8 pm.

Todd Morgan, a neuroscience at the University of Southern California’s School of Gerontology, stresses that “we really need clinical studies to look at this. But there are benefits to the cardiovascular system, obesity, diabetes – these are all disorders that can increase your risk for Alzheimer’s disease.”

One of the biggest challenges with this (or any diet) is sticking with it. While fasting, people often end up binging or getting irritable if they aren’t eating enough. As always, consult your doctor before starting any kind of diet regime.

By 7006506106 27 Oct, 2017

One in three Americans do not get enough sleep, and 45% of the remaining world’s population doesn't either. The US Centers for Disease Control and Prevention calls that a "public health problem," because disrupted sleep is associated with a higher risk of physical and mental conditions including diabetes, stroke and cardiovascular disease. There is evidence suggesting that there is a link between lack of sleep, Alzheimer’s disease, and dementia.

A new study published in Neurology, the journal of the American Academy of Neurology, finds that people who get less REM, or dream-stage sleep, may be at higher risk for developing dementia. REM is the fifth stage of sleep when the eyes move, the body heats up, breathing and pulse quicken and the mind dreams.

The study found that people who took longer than the typical 90 minutes to enter REM were more likely to get dementia. They also spent only about 17% of their sleep dreaming, compared to 20% in those who did not develop dementia. No association with dementia was found for any of the other four stages of sleep.

Additional research has recently been presented by Alzheimer’s Association International Conference in London. Three studies by researchers at Wheaton College in Illinois found significant connections between breathing disorders that interrupt sleep and the accumulation of biomarkers for Alzheimer’s disease. Treating the problems with dental appliances or CPAP machines that force air into airways could help lower the risk of dementia or slow its progress, the researchers said.

While a correlation between sleep apnea and dementia has been documented in the past, these are among the first long-term studies to look at the relationship between sleep disruption and the biomarkers commonly associated with Alzheimer’s disease, said Megan Hogan, one of the Wheaton researchers. Noting that past research has found that the brain clears up deposits of amyloid plaque during sleep, Hogan hypothesized that apnea may impede this process.

“During sleep, your brain has time to wash away all the toxins that have built up throughout the day. Continually interrupting sleep may give it less time to do that,” she said. It may be in the deepest stages of sleep that the clearing-up takes place, said Ronald C. Petersen, director of the Mayo Clinic Alzheimer’s Disease Research Center and the Mayo Clinic Study of Aging. “If you’re only making it to Stage 1 or Stage 2, and then you start choking or snoring or whatever, and you wake yourself up and you do it again and again, you may not even be aware of it, but you may be accumulating this bad amyloid in the brain rather than clearing it,” he said.

In recent research, people who repeatedly jolted awake during the night showed immediate increases in amyloid buildup, Petersen said. And if the sleep disruption continued for a couple of weeks, subjects showed increases in the tau protein tangles that also are associated with Alzheimer’s.

 It is not yet clear whether the relationship between apnea and dementia is causative —“whether people with very early levels of brain disease are having trouble sleeping, or whether people having trouble sleeping are more likely to develop brain disease,” said Keith N. Fargo, director of scientific programs and outreach at the Alzheimer’s Association. He noted that animal studies have suggested it could go both ways. “Ultimately it doesn’t matter what the direction is for this to have an effect on your life,” he said. “If you’re waking up your partner multiple times a night or you’re tired all day, then you really, really need to go get checked by your doctor, because it could be a sign of something serious. Or if it’s not, just treating the apnea could help with your day-to-day cognition"

By 7006506106 27 Oct, 2017

Many people have been told that it is important for people to “avoid probate.” But just because people may have heard that term, doesn’t mean they know exactly what probate means, why it can be a problem or how to successfully avoid it. In this post, we will take a look at the term probate to understand exactly what it means, and what the process includes.


What is Probate?


The term probate most literally means “to prove” a will. Today it covers the entire legal process necessary to settle a person’s estate after they die. The appointed representative (usually a family member) opens the probate case in court. With the court’s help, they will work through all of the financial business that the decedent left behind. For example, probate includes disposing of personal property, money, real property or anything else that the deceased owned at the time of their death. Probate also deals with any debts that were in existence at the time of death.


Why is Probate Such a Negative Thing?


Probate is not inherently evil. It is simply a system that was created to oversee the way estates are handled. However, there is some truth when people say that probate should be avoided, if possible. Some of these cons are listed below.


A Lack of Privacy


Probate cases are filed in the court and are in the public record. If for any reason a person wants to maintain a sense of privacy after they die, it could be a good idea to avoid probating the estate in court. Famous people or other potentially controversial people usually don’t want their financial and family affairs dragged out into the open.


Probate Can Create Family Disagreements


One reason that wills and estates are probated in court is to allow interested persons the chance to represent their own claim on the estate by challenging or contesting a will that does not favor them. For people with complicated family dynamics, unpopular second marriages or estranged loved ones, avoiding probate should be a top priority. When an estate is handled through non-probate channels, it becomes much less likely that a will may be successfully challenged.


Probate is Slow


Like most things that end up in court, probate can be time-consuming. In more complex estates, the entire process can last months or years. And, while the family waits for this time to pass, the decedent’s assets or property may be slowly losing value or be lost completely.


Probate is Costly


Probating an estate requires the help of a competent probate lawyer to facilitate the matter. Since the process requires court appearances and extensive paperwork, the legal fees can mount up quickly. With proper pre-planning, much or all of this cost may be avoided.


How Can Families Prevent the Need for Probate?


Creating a smart estate plan is the best way to avoid probate. You and your attorney can work together to draft the proper legal documents and carefully time asset transfers.




Revocable Living Trust


The revocable living trust is an instrument which dictates the management or distribution of property. The property is transferred in title to the trust during the owner’s lifetime. The property owner also chooses someone to act as trustee, an appointed fiduciary who will manage the trust property and any distributions after the death of the trust’s creator.


The other good thing about a trust is that there is no need to involve the court in any way. There is nothing to file and it does not need to be submitted to the probate court.


Joint Title


Another way to avoid probate hassles is by placing your assets into joint ownership with your future beneficiaries. This way, when you pass away, the ownership interest will automatically transfer to the joint owner.


Payable-On-Death and Transfer-On-Death


Payments on death accounts (POD) have a designation which names a person who will receive the assets in the account when the original account owner dies. At the same time, transfer on death (TOD) is a designation on the title or deed to a piece of real estate or a car which will automatically change ownership once the owner dies.


Don’t Be Tempted to Give Away Your Assets


Some people assume that the easiest way to avoid probate is to give everything away before you die. However, doing this could cause problems for seniors when they may need to qualify for assistance for long-term care.


Hopefully, these tips will help you and your family plan responsibly for the future. Contact a qualified estate planning and elder law attorney today.

By 7006506106 20 Oct, 2017

It’s nice to have some alone time, but when you live alone and don’t get out to socialize as often anymore, alone time can quickly escalate into feelings of isolation and sometimes even depression. It’s estimated that this is one of the factors that has lead to millions of older Americans to suffer from depression.

However, avoiding these feelings could be as easy as turning on your computer or picking up your smart phone! According to Michigan State University Today , researchers have found that getting online regularly and exploring social media or emailing friends can reduce your chances of depression by more than 30%.

The reasoning behind this is pretty simple. “It all has to do with older persons being able to communicate, to stay in contact with their social networks, and just not feel lonely,” Shelia Cotten, a Michigan State University professor of telecommunication, information studies and media, said. It was concluded that being able to connect with people online lessened the chances of depression for all participants of the survey. The internet had the biggest and most positive impact on individuals that live alone.

An example of the impact the internet can have on someone comes from an 81-year-old woman who lost her longtime boyfriend. With him no longer around, she had a lot of time alone. Her daughter gave her an iPad for Christmas and set up a Facebook account for her. She quickly learned how to navigate the site (despite never using a computer before) and has been able to connect with family and friends.

The internet shouldn’t be a substitute for real life. But if you’re using it in moderation and you’re doing things that enhance your life, then the impacts are likely to be positive in terms of health and wellbeing.

As for your kids who might complain about you being on Facebook and commenting on what they do, or tell you that you post too much, just tell them you’re doing it for your mental health.

If you have any questions about protecting an aging loved one, call Oldham and Deitering at 937-898-7673.

By 7006506106 20 Oct, 2017

There may come a time when you or a loved one begins to have difficulty getting around, and may consider purchasing a cane. Here are some things to consider when looking for a cane.

Do you need a cane for balance or support? If you just need help balancing, a single point cane will probably work best for you. However, if you're recovering from an injury, or just need a cane to help support you, a four tip cane may be the best option (also consider asking your doctors opinion).

The grip of your cane is a matter of personal preference, but a foam grip, or grip that's molded to fit your hand, are usually best. If you have trouble grasping with your fingers because or arthritis or joint pain, a larger grip may be a better solution. If you experience pain or numbness in your hands and fingers while using your cane you might want to consider purchasing one with a different grip.

Many canes are adjustable, but some are not. When checking for the fit of your cane your elbow should bend at a comfortable angle, about 15 degrees. You might bend your elbow slightly more if you're primarily using the cane for balance. With your arm hanging straight down at your side, the top of your cane should line up with the crease in your wrist. If your cane is too tall, it will take more effort to lift it, and if it's too short you could end up leaning, which can throw off your balance.

If you are using your cane for stability, you can use it in whichever hand is more comfortable. However, if you need it because of an injury it should always be held in the hand opposite of the leg that needs support. For example, if your knee pain is on your left side, you should use the cane in your right hand. The cane should then move forward as you step forward with the bad leg.

If you have to go up stairs, you should lead with the good leg. And when you go down stairs, you should put your cane on the step first and then step down with your bad leg.

Once you've purchased your cane, it'll be good to get in the habit of checking the tip. Much like the tread on car tires grips the road, the tip of your cane can help provide traction on most surfaces. Make sure the rubber tip is supple and the tread is in good shape. If the tip looks worn, buy a replacement tip at a pharmacy or medical supply store. You can buy canes at drugstores, discount retailers, medical supply stores and online, usually between $10 and $50. Medicare can sometimes cover canes with a written prescription from a physician.

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