Monday, August 21, 2017


There seems to be a disproportionate number of elderly people who are victims of scams and abuse.  Whether it is a matter of convincing a homeowner to take out a large home-equity loan with a high rate of interest and other built-in charges that are mostly unnecessary, or convincing an elderly person to let a "friend" or "neighbor" help them with their finances by adding that person to the elders bank account or to allowing someone to live with them (rent free) to help with the home chores, it is more common today than we have seen in the past.

Possibly due to our transitional society where a parent lives in Florida and the children are scattered around the country   and there are no family members to help oversee the safety and care of the elder.  It could be due to the elders having no family left or that their contemporaries are mostly in the same situation that they are and depend on each other for support and knowledge.  It could be that the elderly still believe that they can take care of themselves, make their own decisions and don't want any help, and consequently sign papers they should not, allow situations to get out of control and are then too embarrassed to tell anyone about it to rectify the situation.
Read more . . .

Wednesday, July 26, 2017

Spousal Impoverishment Standards

Krause Financial Services announced that on July 1, 2017, Medicaid changed the spousal impoverishment standards for singles and couples who need Medicaid care and assistance. 

While some of the spousal impoverishment standards, such as maximum community spouse income maintenance allowance and community spouse minimum and maximum resource allowances are adjusted each January, section 1924 of the Social Security Act states that the community spouse’s MMMNA be adjusted with changes to the federal poverty level and be effective July 1st of each year.

The community spouse’s monthly housing allowance, which is a basis of determining if the community spouse may have excess shelter allowance, is calculated based on a percentage of the MMMNA. This figure is also adjusted each July 1st as well.

These figures are expected to update again January 1, 2018.

Read more . . .

Wednesday, July 26, 2017

Alzheimer's Medicaid Support -

The Senate may vote as early as Wednesday on legislation that, if signed into law, would have far reaching, damaging repercussions for those with Alzheimer’s and their families. The legislation could reduce support for millions of cognitively impaired elderly who rely on Medicaid services. 

Tell your Senators to support individuals living with Alzheimer’s now!

Alzheimer’s is progressive and fatal.
Read more . . .

Tuesday, April 11, 2017



If you receive a call from the IRS or someone claiming they're from the IRS and that you owe back taxes . . HANG UP!

Happening now in Alachua, Levy, Gilchrist, Baker, Bradford and Union, Lake City, Ocala and Orlando, and probably more places.   Today I spoke with someone in Alachua County  who received a robo call from someone claiming to be a representative of the IRS and that this person was behind in her taxes and that she needed to CALL BACK IMMEDIATELY!!! She did just that.

The person on the other end verbally abused her and told her that she had to pay what she owed in taxes within the next half hour because the sheriff was on his way to arrest her.
Read more . . .

Tuesday, January 17, 2017

Social Security Changes 2017

Social Security showed a 3% increase this year for those folks who are accepting this now. Attached is the PDF put out by Social Security to show the newest updates and changes to the program for 2017. Some highlights: 

Cost-of-Living Adjustment (COLA)

Based on the increase in the Consumer Price Index (CPI-W) from the third quarter of 2014 through the third quarter of 2016, Social Security and Supplemental Security Income (SSI) beneficiaries will receive a 0.3 percent COLA for 2017.

Other important 2017 Social Security information is as follows:

2016 2017  Tax Rate: Employee 7.
Read more . . .

Thursday, January 5, 2017

Colds and Flu Season 2016 - 2017

  • The Flu, colds, bronchitis and pneumonia have devastated many offices this year. As much as we try to stay healthy, it's almost impossible when we're out in public and people are EVERYWHERE! So, given the fact that we can't live in a bubble, here are a few tips to help you stay healthy this season.

    1) Wash your hands frequently with soap and water and carry an alcohol based hand sanitizer and use it after touching grocery carts, door handles, knobs, phones, and other people like after shaking hands.

Read more . . .

Thursday, November 5, 2015

Social Security Changes 2015

I received this from one of my contacts through Elder Counsel, David Lillisand in Tampa.  I'm sharing with you all because of its importance to you and any Social Security Retirement Strategies you are considering. 

Read more . . .

Monday, July 6, 2015

Hot Weather Alerts for the Elderly

                                          July has arrived with fireworks and hot weather!  


Warm weather and outdoor activity generally go hand in hand. However, it is important for older people to take action to avoid the severe health problems often caused by hot weather. "Hyperthermia " is the general name given to a variety of heat-related illnesses. The two most common forms of hyperthermia are heat exhaustion and heat stroke. Of the two, heat stroke is especially dangerous and requires immediate medical attention (see Definitions).

Health and Lifestyle Risk Factors

The temperature does not have to hit 100° for a person to be at risk. Both one's general health and/or lifestyle may increase a person's chance of suffering a heat-related illness.

Health factors which may increase risk include:

  • Poor circulation, inefficient sweat glands, and changes in the skin caused by the normal aging process.
  • Heat, lung, and kidney diseases, as well as any illness that causes general weakness or fever.
  • High blood pressure or other conditions that require changes in diet. For example, people on salt restricted diets may increase their risk. However, salt pills should not be used without first asking a doctor.
  • The inability to perspire, caused by medications including diuretics, sedatives and tranquilizers, and certain heart and blood pressure drugs.
  • Taking several drugs for various conditions. It is important, however, to continue to take prescribed medication and discuss possible problems with a physician.
  • Being substantially overweight or underweight.


Lifestyle factors that can increase risk include:

Unbearably hot living quarters. People who live in homes without fans or air conditioners should take the following steps to reduce heat discomfort: open windows at night; create cross-ventilation by opening windows on two sides of the building; cover windows when they are exposed to direct sunlight; and keep curtains, shades, or blinds drawn during the hottest part of the day.

Lack of transportation. People without fans or air conditioners often are unable to go to shopping malls, movie houses, and libraries because of illness and/or the lack of transportation. Friends or relatives might be asked to supply transportation on particularly hot days. Many communities, area agencies, religious groups, and senior citizen centers provide such services.

Overdressing. Because they may not feel the heat, older people may not dress appropriately in hot weather. Perhaps a friend or family member can help to select proper clothing. Natural fabrics such as cotton are best.

Visiting overcrowded places. Trips should be scheduled during non-rush hour times and participation in special events should be carefully planned.

Not understanding weather conditions. Older people, particularly those at special risk (see health factors), should stay indoors on especially hot and humid days, particularly when there is an air pollution alert in effect.

Heat Stress occurs when a strain is placed on the body as a result of hot weather.

Heat fatigue is a feeling of weakness brought on by high outdoor temperature. Symptoms include cool, moist skin and a weakened pulse. The person may feel faint.

Heat syncope is sudden dizziness experienced after exercising in the heat. The skin appears pale and sweaty but is generally moist and cool. The pulse may be weakened, and the heart rate is usually rapid. Body temperature is normal.

Heat cramps are painful muscle spasms in the abdomen, arms, or legs following strenuous activity. The skin is usually moist and cool and the pulse is normal or slightly raised. Body temperature is mostly normal. Heat cramps often are caused by a lack of salt in the body, but salt replacement should not be considered without advice from a physician.

Heat exhaustion is a warning that the body is getting too hot. The person may be thirsty, giddy, weak, uncoordinated, nauseous, and sweating profusely. The body temperature is usually normal and the pulse is normal or raised. The skin is cold and clammy. Although heat exhaustion often is caused by the body's loss of water and salt, salt supplements should only be taken with advice from a doctor.

Heat stroke can be LIFE-THREATENING! Victims of heat stroke almost always die so immediate medical attention is essential when problems first begin. A person with heat stroke has a body temperature above 104° F. Other symptoms may include confusion, combativeness, bizarre behavior, faintness, staggering, strong rapid pulse, dry flushed skin, lack of sweating, possible delirium or coma.

How is hyperthermia treated? 

If the victim is exhibiting signs of heat stroke, seek emergency assistance immediately. Without medical attention heat stroke is frequently deadly, especially for older people.

Heat-related illnesses can become serious if preventative steps are not taken. It is important to realize that older people are at particular risk of hyperthermia. Many people die of heat stroke each year; most are over 50 years of age. With good, sound judgment and knowledge of preventive measures the summer can remain safe and enjoyable for everyone. 


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