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A Safety Net That Might Not Hold

By Michelle Andrews

When Betty Hoff moved into an assisted-living facility in Fowler, Calif., two years ago, the 86-year-old thought she didn't have anything to worry about financially. She had a long-term-care insurance policy that would pay up to $3,000 a month for three years of nursing home, assisted living, or home care. Hoff has severe arthritis and can get around only with a walker or cane, which means she could no longer cook, clean, or do the laundry. But her insurer denied the claim. Hoff wasn't cognitively impaired, and the company said she didn't need help with enough "activities of daily living," or ADLs, to qualify for benefits.

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Falls and Fractures


A simple fall can change your life. Just ask any of the thousands of older men and women who fall each year and break (sometimes called fracture) a bone. ...
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Mourning the Death of a Spouse


When your spouse dies, your world changes. You are in mourning-feeling grief and sorrow at the loss. You may feel numb, shocked, and fearful. You may feel guilty for being the one who is still alive. If your spouse died in a nursing home, you may wis...
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Alcohol Use and Abuse


Anyone at any age can have a drinking problem. Great Uncle George may have always liked his liquor, so his family may not see that his drinking behavior is getting worse as he gets older. Grandma Betty was a teetotaler all her life-she started having...
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High Blood Pressure


You can have high blood pressure, or hypertension, and still feel just fine. That's because high blood pressure does not cause signs of illness that you can see or feel. But, high blood pressure, sometimes called "the silent killer," is a major healt...
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Prostate Problems


John just found out that his friend Stan has prostate cancer. A lot of men he knows have some kind of problem with their prostate. John is worried about what might happen to him. It's true that prostate problems are very common after age 50. The good...
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Exercise and Physical Activity


"After walking on a treadmill at the local community center, I knew I'd be happier outside. So, I got a step counter and started walking in my neighborhood. Since then, I've seen yellow tulips bloom in spring and red dogwood leaves drop in fall. I al...
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Types of Care


Assisted Living, Retirement Community, Alzheimer's and Dementia...etc....
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Medicines: Use Them Safely


When Jerry, age 71, came home from the drug store with his latest medication, he placed all his pill bottles on the kitchen counter and counted them. "I take seven different medications," he said to his wife. "We need a system. We need to know what m...
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