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medical emergency | Nevada Senior Guide

Health Insurance for Senior Citizens – Why Do You Need It? by KV Gopalakrishnan

May 14, 2013 by · Leave a Comment
Filed under: Articles 

When you are more than fifty years of age, it is natural that your  requirements for medical assistance increases. Periodical visits to Medical  centers become important now for safeguarding you from health problems and also  for making it possible for you to recoup should you fall ill. Until now, you had  been keeping mostly healthy and your own medical requirements have either been  paid by your company or organization or effortlessly been managed with your  earnings and savings.

Now that you are contemplating to retire and enjoy life, this is the time to  consider choosing a health insurance policy for senior citizens to take care of  your (and your spouse’s) health-related expenditures. Here are some more points  to consider:

  • Hospital Expenses tend to be skyrocketing these days particularly since most  of us have the tendency to choose treatment in branded Private Hospitals. This  can create a dent on your retirement savings in the event you do not have  medical insurance for senior citizens.
  • For anyone who is preparing to retire and survive on pension or interest  earnings from savings, a medical emergency can lead to a monetary crisis. To  steer clear of this, it is advisable to consider a comprehensive policy of  health insurance.
  • The medical coverage, which you had in the course of your career, generally  ceases when you retire. Suitable Medical insurance can replace this insurance  cover.
  • It may not be a good idea to count on your children to avail their  employee/group insurance for you as this insurance cover would also cease when  they happen to change occupation.
  • Pre existing ailments are excluded from health related insurance for senior  citizens for a period of two to four years in most instances. If you join early,  you can avail the policy even for treatment of existing illness (after the  stipulated period), before the illness develop into a serious one.
  • If you are confused as a result of the countless choices available in the  field of insurance available to senior citizens, do not hesitate to seek  guidance of an independent insurance adviser.
  • In normal instances, for availing insurance, medical checkups are essential  for anyone above 45. In case you are reluctant to undergo such tests, you will  even be able to find policies, which are provided without these tests.  Nevertheless, it is best to declare your pre-existing illnesses truthfully, to  steer clear of rejection of your future claims.
  • Please be aware that recently Government of India has issued some  stipulations (July 1, 2009) which makes it mandatory for all health insurance  companies to refund 50% of the expenses made by you on medical tests related to  the policy, in case they accept your policy.
  • Government of India has also issued guidelines that every health insurance  company has to offer insurance coverage for individuals up to 65 years of age.  There is also a provision for shifting insurers if you are not satisfied with  the current provider.

 

Please keep it in mind that there is a great deal of differences in terms and  conditions in the policies of health insurance for senior citizens provided by  various companies. You will even find companies which even offer “No age  restriction for enrollment” and “assured renewal for life”. Take your time to  choose a suitable health insurance policy which meets your personal needs.

Wish you a happy, healthy and enjoyable time after 50.

KV Gopalakrishnan Senior Citizens Consultant

http://enjoyafter50.com/

Visit this website for tips and tricks to make your retirement life happy and  enjoyable.

Article Source: http://EzineArticles.com/?expert=KV_Gopalakrishnan

Senior Citizen Abuse by Jessie Penn

May 2, 2013 by · Leave a Comment
Filed under: Articles 

News headlines report of senior citizen abuse, most everyday. Long gone are  the values and moralities of our grandparent’s generation. Time was when a  handshake, or your word was all that was necessary to honor commitments. Gone  are the days on an unlocked house, open windows, or sitting out back alone.

The elderly in today’s society can, unfortunately, encounter many traumatic  events for no cause of their own. Predators watch and learn learn an old  person’s schedule, like, when they leave their homes and when they are likely to  return, what times they get up or go to bed, and if they are handicapped or ill  by the comings and goings of a visiting nurse.

Many in the society of today appear to have lost all respect for other  people’s property. It seems these people are without limits, with nothing more  important than self-serving tactics. Who cares if an old person is lonely, in  pain, or needs assistance?

Many times, the media tells us about a kid that brutally beat elderly  parents, grandparents, or elderly strangers. Without any motivation, other than  pursuing what they want, senior citizens can become their prey. And, if they  want something you have in your home, you could be their next victim.

But, not all attackers are strangers, and the elderly person might not be  beaten, robbed, or brutally murdered by the hands of an unknown person.  Sometimes, the attacker is a family member, relative, or friend.

When elderly people are attacked or threatened, how are they to protect  themselves? Many don’t possess the strength or agility to fight back or run.  They can fall down stairs, against door jams, or be trapped in a wheelchair.  Many times they do not understand what or why this is happening to them, because  the person doing them harm is someone they trusted.

Perhaps a friend or relative lives in the senior citizen’s home to provide  assistance and/or companionship. This person might get angry because they don’t  want the responsibility of caring for an older person. Perhaps they feel as if  their freedom has been taken from them. If the elderly person has adequate  finances, the one that is supposed to be looking out for the well-being of the  senior begins to feel that they should be compensated or rewarded  excessively.

An elderly person who refuses to give money or sign over their property,  risks being violently attacked by a family member or friend. It could be an  adult son or daughter, grandson or granddaughter, or a friend. Most elderly  people hesitate to report abuse from a relative or friend. Many are in failing  health, and don’t know who to turn to for help. Or, perhaps, they fear the  attacker will retaliate and things will get much worse, if they report the  abuse.

Aging can be a lonely and painful experience. Some senior citizens were  attacked and left alone to endure the pain and shame. Many could not get to  their phone to call for help. But, if they would have had an emergency alarm,  the help they needed could have been summoned.

A small device, disguised as a pendant or wristwatch can save lives,  literally. There is no need to get to a phone. Help and assistance is no further  away than the end of the finger. As easy as pushing a button on the device calls  an emergency operator, and help can be on the way.

Many times, long-term injuries or death can be the result of not being able  to get the care when it is needed. A personal security device can provide peace  of mind, and is a true friend in need. Senior citizens can live independently  knowing they have the ability to get help whenever they need.

Get free information to protect your loved ones when a medical emergency or  security treat happens. Go to http://personalsecuritydevices.walkinsarewelcome.com

Article Source: http://EzineArticles.com/?expert=Jessie_Penn

 

Senior Citizens – Burdened With Grief and Anger by Jessie Penn

April 23, 2013 by · Leave a Comment
Filed under: Articles 

Grief and anger often becomes a heavy burden for people as they age. Throughout life, people experience grief over many things. They grieve if there home burns down, lose a job or a pet. However, an area of loss that is not usually considered with grief is the physical decline during the aging process.

Grief can be detected, in seniors, by the comments they make about losing their youth. Many times, they speak with remorse at lost youth, decreased functionality, and body strength. When a senior citizen notices they are losing muscle strength, or begin experiencing arthritis, stiffness, and joint pain, it’s not unusual to notice anger. They become upset and wish to escape the betrayals of their bodies, and become very angry in the process.

No one asks to get old or feeble. Most likely, if we had a choice, most of us would vote to discontinue and ban getting old. A person might grieve when they are bestowed the title of “Senior Citizen.” At first, a senior citizen, might not notice the changes that are taking place in the physical aspects of the body or the mind. And, perhaps, as much as they hate the thought of getting old, family members also grieve about losing the ‘young’ mom or dad they once knew.

Unfortunately, getting angry about growing old has no escape; there’s no one to blame it on. So, sometimes the result is that seniors lash out at the ones closest to them. Anger and frustration with the aging body can cause tempers to rage or flare up unexpectedly. Many times, a senior lashes out at a loved one or caregiver because they are nearby and easily accessible. The aging person knows it isn’t fair, but may have a hard time explaining their actions.

Learning how to cope with anger about aging is necessary so you don’t hurt the innocent ones around you. But, it is also unhealthy to keep your grief bottled up inside you. If seniors are not allowed to vent and get rid of their anger, the body can decline at a faster rate.

It’s been suggested that people become angry because they feel a false sense of entitlement. This crops up when expectations do not line up with reality. A feeling of undo entitlement happens when we believe we do not deserve to get old.

There is just one way to confront getting older, and that is to recognize that we are not alone, everyone will get old, and we are not entitled to be exempt from the aging process. Recognizing this fact can help to eliminate anger from the arena as we cope with the affects of aging.

Attempting to deny the advance of life’s end, is probably the sole cause of midlife crisis’s. Trying to behave as if they are not getting older and hiding emotional responses to aging can cause devastating results. Avoiding the feelings about aging has caused many to act irresponsibility or make bad decisions.

By recognizing the problems that naturally happen through aging, some of the anger can be avoided. Instead of dwelling on declining abilities, senior citizens can minimize the impacts by living with a healthier attitude toward aging.

Focusing on your diet, exercise, keeping busy, and doing everything you can to stay rested and emotionally sound. Thinking about or getting involved with other people can help to create a healthier attitude toward aging and minimize its effects.

Try to keep your spirits up, be happy through achievements and seemingly small enjoyments. Keep a young at heart attitude and get in touch with the child inside you. You’ve come too far, traveled many winding paths, and you deserve to feel content and happy. Emotions about how you feel about yourself can play a major role in the person you choose to be as a senior citizen.

Get free information to protect your loved ones when a medical emergency or security treat happens. Go to http://personalsecuritydevices.walkinsarewelcome.com

Article Source: http://EzineArticles.com/?expert=Jessie_Penn

Improving Senior Life With Medical Alert For Seniors

November 26, 2012 by · Leave a Comment
Filed under: Articles 

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Improving Senior Life With Medical Alert For Seniors
by: Lance Mcisaac

Senior Citizens are in a time of their lives when they should be able to enjoy the freedom to live independently and go places when they desire. Unfortunately, sometimes their freedom is restricted by health concerns caused by their aging bodies. Medical Alert for Seniors can provide them with a sense of security, enabling them to enjoy the freedom they want and deserve. Seniors can come and go as they desire knowing that they have an alert button they can press at any time should they require assistance. This medical alarm system can provide loved ones with peace of mind as well. They can be assured that medical help is only a push of a button away.

With medical alert for seniors, senior citizens can live independently. They have the comfort of knowing that help is available any time day or night should they need it, while they have the freedom to continue to live in their own homes and follow their own routines without feeling like burdens on family members. Should they experience a fall or other medical emergency, all they have to do is press their medical panic button and help is available.

Nowadays, people move around frequently with careers, often leaving elderly parents in distant states. This can frequently be a source of concern for loving children. Being so far away often causes worry for family members who can’t visit frequently or be available in case of an emergency. When their parents or other senior family members have a medical alarm system, relatives can feel secure that they will receive the immediate medical help they might need. This can bring great peace of mind to family members living long distances from their aging relatives.

If you are a senior living alone or the relative of an independent senior, medical alert for Seniors may provide the assurance you need to avoid worrying. Knowing an alert button is always on hand will allow you to continue the independent lifestyle without worry. Seniors love the freedom it allows and their relatives enjoy the peace of mind it provides.

About The Author

Lance Mcisaac is the author of this article on Medical Alert Systems.

Find more information about Medical Alert Pendant here.
The author invites you to visit:
http://www.medicalguardian.com

  • Senior Industry Network Group Events

    Monthly SING Meetings are held the first Thursday of every month at our NEW location below:

    Desert Canyon - HealthSouth
    9175 W. Oquendo Rd.
    Las Vegas, NV 89148

    S.I.N.G. Agenda:
    - Coffee and bagels will be served
    - A time to show gratitude by thanking those who have sent you referrals
    - Announcements around the room
    - One minute commercials
    - Open Discussion on topics of Self Empowerment

    * When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am

    * How Much? It’s free!