Question:

Dear Savvy Senior,

My siblings and I don’t know much about our elderly parent’s financial situation or their wishes if and when something happens to them. They are both in their mid-eighties. What’s the best way to handle this and what all should we know?

Apprehensive Daughter

Answer:

Dear Apprehensive,

Many adult children don’t know much about their elderly parent’s financial situation or end-of-life plans, but they need to. Getting up to speed on their finances, insurance policies, long-term care plans and other information is important because some day you might have to help them handle their financial affairs or care, or execute their estate plan after they die. Without this information, your job becomes much more difficult. Here are some tips that can help.

Have the Conversation

If you’re uncomfortable talking to your parents about this, use this column as a prompt or see TheConversationProject.org, which offers free guides that can help you kick-start these discussions.

It’s also a good idea to get all your siblings involved too. This can help you head off any possible hard feelings, plus, with others involved, your parents will know everyone is concerned.

When you talk with your parents, you’ll need to collect some information, find out where they keep key documents and how they want certain things handled when they die or if they become incapacitated. Here’s a checklist of areas to focus on.

PERSONAL INFORMATION

• Contacts: Make a list of names and phone numbers of your parent’s doctors, lawyer, accountant, broker, tax preparer, insurance agent, etc.
• Medical information: Make a copy of their medical history and a list of medications they take.
• Personal documents: Find out where they keep their Social Security card, marriage license, military discharge papers, etc.
• Secured places: Make a list of places they keep under lock and key such as safe deposit boxes, safe combination, security alarms, etc.
• Digital assets: Make a list of their digital assets – everything from social media accounts to online banking. It should include usernames and passwords.
• Pets: If they have a pet, what are their instructions for the animal’s care?
• End of life: What are their wishes for organ or body donation, and their funeral instructions? If they’ve made pre-arrangements with a funeral home, get a copy of the agreement.

LEGAL DOCUMENTS

• Will: Do they have an updated will or trust, and where is it located?
• Power of attorney: Do they have a power of attorney document that names someone to handle their financial matters if they become incapacitated?
• Advance directives: Do they have a living will and a medical power of attorney that spells out their wishes regarding their end-of-life medical treatment? If they don’t have these documents prepared, now’s the time to make them.

FINANCIAL RECORDS

• Financial accounts: Make a list of their bank accounts, brokerage and mutual fund accounts, and any other financial assets they have.
• Debts and liabilities: Make a list of any loans, leases or debts they have – mortgages owed, car loans, student loans, medical bills, credit card debts. Also, make a list of all credit and charge cards, including the card numbers and contact information.
• Company benefits: Make a list of any retirement plans, pensions or benefits from their former employers including the contact information of the benefits administrator.
• Insurance: Make a list of the insurance policies they have (life, long-term care, home, auto, Medicare, etc.) including the policy numbers, agents and phone numbers.
• Property: Make a list of the real estate, vehicles or other properties they own, rent or lease and where they keep the deeds, titles and loan or lease agreements.
• Taxes: Find out where they keep copies of past year’s tax returns.

You’re probably not going to get all this figured out in one gathering, so it’s important to keep the conversation going to ensure your parent’s wishes will be accurately executed.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

The post Essential topics adult children need to discuss with aging parents appeared first on East Idaho News.

QUESTION

Dear Savvy Senior,

How do I go about canceling a person’s social media accounts when they die? My wife passed away a few months ago and her social media accounts are still active.

Sad Spouse

ANSWER

Dear Sad,

I’m very sorry for your loss, but this is a smart move on your behalf and one that often gets overlooked. Social media is part of many people’s daily lives, but when a person passes away their dormant accounts can become vulnerable to scammers who can hack into them and even steal your deceased loved one’s identity.

Here’s a run-down of how you can cancel or change many different social media accounts after a loved one dies.

Facebook: If your wife used Facebook, you can either “memorialize” or “delete” her account.

A memorialized account serves as a place where family and friends can share memories to celebrate the deceased person’s life, with the word “Remembering” shown next to the deceased person’s name. Once an account is memorialized, content the person shared is still visible on Facebook to the audience it was originally shared with, however, the user’s profile will not show up in public spaces such as people you may know, ads or birthday reminders.

To memorialize your wife’s profile simply go to this page. Or, if you’d rather have her account removed, click here.

To memorialize her account requires proof of death (via death certificate, obituary or memorial card), but if you wish to delete the account, you’ll also need to verify that you’re an immediate family member, legal representative or executor, unless you’re the legacy contact on her account.

Instagram: The policy on a deceased users’ Instagram account is the similar to Facebook’s, which owns Instagram. You can either memorialize or remove the account here. But just like with Facebook, you’ll need to provide proof of death and relationship to the deceased.

X (formally Twitter): To deactivate an X account, go to Help.Twitter.com and type in “How to contact X about a deceased family member’s account” in the search bar and follow the prompts. After you submit your request, X will email you with instructions for providing more details, including information about the deceased, a copy of your ID, and a copy of the deceased’s death certificate.

YouTube and/or Google: To close these accounts, simply go to this page and fill out their form and upload scans of the death certificate and your ID.

Pinterest: To remove a Pinterest account, email Care@pinterest.com with the deceased user’s account username, proof of death and proof of relationship to the deceased.

LinkedIn: To remove a deceased person’s LinkedIn profile, submit a request at LinkedIn.com/help/linkedin/ask/ts-rdmlp. You’ll need to provide the name and URL to the profile; the relationship you have to the deceased; the email address; date of passing; and link to an obituary.

Snapchat: To delete this account, simply login to the account and click “Delete My Account” and follow the prompts.

Tumblr: Send an email to Support@tumblr.com requesting to remove the account of the
deceased person with their Tumblr username, proof of their death, and proof of your relationship to the deceased.

If your wife had social media through a company not listed here, go to that company’s website for information on how to delete the account.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

The post How to close social media accounts after a loved one dies appeared first on East Idaho News.

QUESTION

Dear Savvy Senior,
Where can I turn to for caregiving help? I help take care of my 80-year-old father and work too, and it’s wearing me out.
Worn Out Wendy

ANSWER

Dear Wendy,

Taking care of an aging parent over a period of time — especially when juggling work and other family obligations — can be exhausting. But help and resources are available. Here’s what you should know.

Identify Your Needs

To help you determine and prioritize the kinds of help you need, a good first step is to make a detailed list of everything you do as your dad’s caregiver and the amount of time each task takes. Identify the times when you need help the most and which tasks others might be able to do for you.

Then list the types of care needed, such as simple companionship or doing active chores, like shopping or running errands. Once you determine this, here are some tips and places you can reach out to for help.

Care Helpers

If you have siblings or other loved ones close by, start by asking them if they could come and help with specific tasks. And see if friends, neighbors or faith group members could help too.

You also need to check into local resources that may be available. Many communities offer a range of free or subsidized services that help seniors and caregivers with basic needs such as home delivered meals, transportation, senior companion services and respite services, which offers short-term care so you can take an occasional break. Call your nearby Area Aging Agency at (800) 677-1116 for referrals to services.

There are also a bevy of online services you can use to help you save time on certain chores. For example, online grocery shopping and home deliveries, and online pharmacy medication refills and deliveries. You can also order meal-kits or pre-made meals online through numerous meal service delivery companies and arrange needed transportation with ride sharing services like Lyft or Uber.

Or, if you can afford it, you may want to consider hiring someone a few hours a week to help with things like cooking, housekeeping or even personal care. Costs can run anywhere from $12 up to $25 per hour. Care.com or CareLinx.com are two good websites to help you find someone, or you can work with a local home care agency.

Financial Aids

If you’re handling your dad’s financial chores, make things easier by arranging for direct deposit for his income sources, and set up automatic payments for his utilities and other routine bills. You may also want to set up your dad’s online banking service, so you can pay bills and monitor his account anytime. Or, if you need help, consider hiring a bill paying service like Silver Bills, which charges a flat fee of $150 per month.

BenefitsCheckup.org is another excellent tool to look for financial assistance programs that may help your dad, particularly if he’s lower income.

Technology Solutions

To help you keep tabs on your dad when you are away at work or if he lives alone, there are affordable technology devices that can help. For example, there are medical alert systems and smart speakers that help with communication and allow him to call for help if needed. Home video cameras with two-way speakers that allow you to monitor and talk to him when you’re away. Electronic pill boxes that can notify you if he has taken his medications. And to help you coordinate his care with other members of his care team there are websites like LotsAHelpingHands.com.

Other Resources

There are also a number of other organizations you can draw on for additional information like the Family Care Alliance, which provides a state-by-state listing of caregiving programs and services; the Alzheimer’s Association that provides information unique to the challenges of dementia caregivers; and the U.S. Department of Veterans Affairs, which offers caregiver support services to veterans and spouses.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

The post Tips on caring for an aging parent appeared first on East Idaho News.

QUESTION

Dear Savvy Senior,

Can you explain to me how the retirement saver’s tax credit works? My wife and I are in our fifties and are looking for creative ways to boost our retirement savings beyond our 401(k). Is this something we may be eligible for?

Struggling to Save

ANSWER

Dear Struggling,

If your income is low to moderate and you participate in your employer-sponsored retirement plan or an IRA, the Retirement Savings Contribution Credit (aka “Saver’s Credit”) is a frequently overlooked tool that can help boost your retirement savings even more. Here’s how it works.

If you contribute to a retirement-savings account like a traditional or Roth IRA, 401(k), 403(b), 457, Thrift Savings Plan, Simplified Employee Pension or SIMPLE plan, the Saver’s Credit will allow you to claim 10, 20 or 50 percent of your contribution of up to $4,000 per year for couples or $2,000 for singles.

Keep in mind that a credit is not the same as a tax deduction – it’s better: While a tax deduction just reduces the amount of your income that is subject to taxes, a tax credit reduces your actual tax bill dollar-for-dollar.

To qualify, you must also be at least 18 years old and not a full-time student and were not claimed as a dependent on someone else’s tax return. And your adjusted gross income (AGI) in 2023 must be below $73,000 or less as a married couple filing jointly, $54,750 or less if filing as head of household, or $36,500 or less if you’re a single filer. These income limits are adjusted annually to keep pace with inflation.

To get the 50 percent credit, you’ll need to have an income below $43,500 for married couples filing jointly; $32,625 if you’re filing as head of household; and $21,750 if you’re a single filer in 2023.

The 20 percent credit rate applies to couples earning between $43,501 to $47,500; for head of household filers it’s $32,626 to $35,625; and for individuals it’s $21,751 to $23,750.

And the 10 percent rate is for couples with an adjusted gross income between $47,501 and $73,000; for head of household filers $35,626 to $54,750; and individuals it’s between $23,751 and $36,500.

Here’s an example of how this works. Let’s say that you and your wife earned $75,000 in 2023. Over the course of the year, you contributed $4,000 to your employer’s 401(k) plan. After deducting your 401(k) contribution, your adjusted gross income (AGI) on your joint return is now $71,000. Since your AGI puts you in the 10 percent credit bracket, and you’ve contributed the $4,000 maximum that can be considered for the credit, you are entitled to a $400 Saver’s Credit on your tax return.

It’s also worth mentioning that the Saver’s Credit is in addition to any other tax benefits you get for your retirement contributions. So, in the previous example, not only would you be entitled to a $400 credit, but you would also be able to exclude the $4,000 401(k) contribution from your taxable income. So, if you’re in the 12 percent tax bracket, this translates to an additional $480 in savings, for a total of $880.

How to Claim

To claim the Saver’s Credit, you will need to fill out Form 8880 and attach it to your Form 1040 or 1040NR when you file your tax return.

For more information on the Saver’s Credit, see IRS Publication 590-A “Contributions to Individual Retirement Arrangements.”

The IRS also offers an online quiz you can take to help you determine if you qualify for the Saver’s Credit. To access it go to IRS.gov/Help/ITA – click on “Do I Qualify for the Retirement Savings Contributions Credit?” under the “Credits” tab.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

The post What is the retirement saver’s credit and how does it work? appeared first on East Idaho News.

Question

Dear Savvy Senior,

What can you tell me about seasonal affective disorder? I’ve always disliked winter, but since I retired and am home a lot more, the gray, cold winter months make me feel really blue.

Sad Sam

Answer

Dear Sam,

If you get depressed in the winter but feel better in spring and summer, you may indeed have seasonal affective disorder, or SAD, a wintertime depression that affects roughly 5 percent of Americans.

In most cases, SAD is related to the loss of sunlight in the winter months. Reduced sunlight can upset natural sleep-wake cycles and other circadian rhythms that can affect the body. It can also cause a drop in the brain chemical serotonin, which affects mood, and can increase the levels of the hormone melatonin, which can make you feel more tired and lethargic.

If you think you may have SAD, a trip to your doctor’s office is the best way to diagnose it or you can take a SAD self-assessment test at the Center for Environmental Therapeutics website. If you find that you have SAD, here are several treatment options and remedies that can help.

Light therapy: The most effective treatment for SAD is sitting in front of a specialized light therapy box for 20 to 30 minutes a day, within the first hour of waking up in the morning. Light therapy mimics outdoor light to cause a change in brain chemicals linked to mood.

While you can buy a light box without a prescription, it’s best to use it under the guidance of a health care provider and follow the manufacturer’s guidelines. Most health insurance plans do not cover the cost.

The best light therapy lamps provide 10,000 lux of illumination, many times stronger than typical indoor light, and have a diffuser screen that filters out ultraviolet rays and projects downward toward the eyes.

Some top-rated light therapy products include the Carex Day-Light Classic Plus Bright Lamp ($145); Northern Light Technology Boxelite-OS ($205); and the budget-friendly Verilux HappyLight Luxe ($70), all of which are available at Amazon.com.

Cognitive behavioral therapy: Even though SAD is considered to be a biological problem, identifying and changing thought and behavior patterns can help alleviate symptoms too. To help you with this, choose a therapist who specializes in cognitive behavioral therapy and who has experience in treating SAD. To locate someone in your area, Psychology Today offers a search tool.

Antidepressants:Some people with SAD benefit from antidepressant treatments, too. Some proven medications to ask your doctor about are selective serotonin reuptake inhibitors (SSRIs) and the extended-release antidepressant bupropion.

Keep in mind, it may take several weeks to notice full benefits from an antidepressant. In addition, you may have to try different medications before you find one that works well for you and has the fewest side effects.

Lifestyle remedies: Some other things you can do to help alleviate your SAD symptoms include making your environment sunnier and brighter. So, open up your blinds, sit closer to bright windows and get outside as much as you can. Even on cold or cloudy days, outdoor light can help, especially if you spend some time outside within two hours of getting up in the morning.

Moderate exercise such as walking, swimming, yoga and even tai chi can also help alleviate SAD symptoms, as can social activities.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

The post How to ease the winter blues appeared first on East Idaho News.

Question

Dear Savvy Senior,

I’ve been talking to my mobility challenged mother, who lives alone, about automating her house with some smart home products to make it more convenient. She’s very interested but we’d like to get your opinion as to which types of smart devices are most helpful for seniors aging in place.

Searching Daughter

Answer

Dear Searching,

If your mother is game, smart home products – such as smart lights, video doorbells and voice-activated speakers – can be very useful for aging in place. These devices can add safety and convenience to a home by providing voice and app-controlled operation, which is extremely helpful for seniors who have mobility issues or reduced vision.

Smart home technology can also provide family members peace-of-mind by giving them the ability to electronically keep tabs on their elder loved one when they can’t be there.

If you’re interested in adding some smart home products to your mom’s house, she’ll need home Wi-Fi installed, and she’ll need either a smartphone, tablet or smart speaker to operate them. To help you get started, here are some different types of devices to consider that are very helpful to older adults.

Smart speakers: A smart speaker – like the Amazon Echo, Google Nest or Apple HomePod – can serve as the brains of a smart home, controlling the devices with voice commands or automating them.

These devices can also play your mom’s favorite music, read audiobooks, make calls, set timers and alarms, provide reminders for medications, appointments and other things, check traffic and weather, answer questions, call for help in emergency situations and much more – all done by voice commands.

Smart light bulbs: To help prevent home falls – which are often caused by fumbling around a dark room looking for a light switch – smart light bulbs will let your mom turn on and off the lights by voice command, smartphone or tablet. These bulbs can also change brightness and color and be programmed to come on and off whenever she wants.

Smart plugs: These small units plug into a standard outlet and connect to the internet. That means your mom can control whatever she plugs into them – from a space heater to a coffee maker – using her voice or phone.

Video doorbell: Safety is also a concern for older adults, especially those who live alone. A video doorbell would let your mom see and speak to visitors at the door without having to walk over and open it.

Smart locks: For convenience and safety, smart locks would give your mom keyless entry to her home, provide customized access to family, friends and caregivers, and let you monitor who comes and goes from your mom’s house.

Smart thermostat: This lets your mom preprogram or manually control the temperature in her home with voice command or via phone, and let you monitor it too.

Smart smoke alarms: These will alert your mom when smoke or carbon monoxide is detected and will also send alerts to your phone if a problem is detected.

Stovetop shut-off: To prevent home cooking fires, smart stovetop shut-off devices, like the IGuardStove, will turn off electric and gas stovetops when left unattended, and will alert you via text.

Medical alert system: These devices provide wearable wrist and/or necklace emergency buttons that would allow your mom to call for help if she were to fall or need assistance. Many systems today also provide voice activated and fall detection features, and caregiver tracking apps that will let you keep tabs on her.

Cameras and smart sensors: If your mom needs more in-depth monitoring, there are indoor cameras you can install so you can see, hear and talk to her from your phone. Or, if that’s too intrusive, you can install smart contact sensors on her doors so you can know when she comes and goes, or on her refrigerator door so you can know if she’s eating.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

The post Smart home devices that can help seniors age in place appeared first on East Idaho News.

Question

Dear Savvy Senior,

I’m interested in contributing to a health savings account to help boost my retirement savings but would like to better understand how they work. What can you tell me?

Almost 60

Answer

Dear Almost,

A health savings account, or HSA, is a fantastic financial tool that can help you build up a tax-free stash of money for medical expenses now and after you retire. But to qualify, you must be enrolled in a high-deductible health insurance plan. Here’s an overview of how they work and how you can open one.

HSA Rules

HSAs have become very popular over the past few years as the cost of health care continues to skyrocket, and because more and more Americans have high-deductible health plans.

The great benefit of a HSA is the triple tax advantage that it offers: Your HSA contributions can be deducted pretax from your paycheck, lowering your taxable income; the money in the account grows tax-free; and if you use the money for eligible medical expenses, withdrawals are tax-free.

And if you change jobs, the HSA moves with you.

To qualify, you must have a health insurance policy with a deductible of at least $1,500 for an individual or $3,000 for a family in 2023. In 2024, the deductible rises to $1,600/individual or $3,200/family.

This year, you can contribute up to $3,850 if you have single health insurance coverage, or up to $7,750 for family coverage. Next year (2024) you can contribute significantly more – up to $4,150 for single coverage or up to $8,300 for family coverage. And people age 55 and older can put away an extra $1,000 each year. But you cannot make contributions after you sign up for Medicare.

The money can be used for out-of-pocket medical expenses, including deductibles, co-payments, Medicare premiums, prescription drugs, vision and dental care and other expenses (see IRS.gov/pub/irs-pdf/p502.pdf, page 5, for a complete list) either now or when you retire for yourself and your spouse as well as your tax dependents.

Unlike a flexible spending account, an HSA doesn’t require you to use the money by the end of the year. Rather, HSA funds roll over year to year and continue to grow tax-free in your HSA account for later use.

In fact, you’ll get a bigger tax benefit if you use other cash for current medical expenses and keep the HSA money growing for the long term. Be sure to hold on to your receipts for medical expenses after you open your HSA, even if you pay those bills with cash, so you can claim the expenses later. There’s no time limit for withdrawing the money tax-free for eligible medical expenses you incurred any time after you opened the account.

But be aware that if you do use your HSA funds for non-medical expenses, you’ll be required to pay taxes on the withdrawal, plus a 20 percent penalty. The penalty, however, is waived for those 65 and older, but you’ll still pay ordinary income tax on withdraws not used for eligible expenses.

How to Open a HSA

You should first check with your employer to see if they offer a HSA, and if they will contribute to it. If not, you can open an HSA through many banks, brokerage firms and other financial institutions, as long as you have a qualified high-deductible health insurance policy.

If you plan to keep the money growing for the future, look for an HSA administrator that offers a portfolio of mutual funds for long-term investing and has low fees. Some of the top-rated HSA providers in 2023 are Lively, HealthEquity, OptumBank, Fidelity, HSA Bank and Bank of America.

After setting up your HSA plan, adding money is pretty straightforward. Most plans let you do online transfers from your bank, send checks directly, or set up a payroll deduction if offered by your employer. To access your HSA funds many plans provide a debit card and most allow for reimbursement.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

The post A health savings account can boost your retirement savings. Here’s how appeared first on East Idaho News.

Question:

Dear Savvy Senior,

What can you tell me about creating an incentive trust? I have an adult son and daughter that are both financially inept. Before I die, I want to put some type of requirements in place that they will need to follow in order to receive their portion of my estate.

Frustrated Father

Answer:

Dear Frustrated,

If you want to influence your heirs even after you’re gone, an incentive trust is definitely an option to consider, but be careful how you construct it because it can cause unintended, unfair consequences. Here’s how it works, along with some tips to help you create one.

Incentive Trusts Basics

An incentive trust is an estate-planning tool designed to help encourage your heirs in a direction you desire when you’re no longer around.

With an incentive trust, some or all of your assets are passed to your trust when you die rather than directly to your heirs. Your trustee is empowered to distribute funds from the trust only if and when your beneficiaries do whatever it is you have specified in the trust.

For example, an incentive trust might encourage a beneficiary to graduate from college, enter a particular profession, get married or even have children. They could also reward beneficiaries who do charitable work or supplement the incomes of those who choose low paying, yet meaningful careers like teaching or social work. Or they could penalize beneficiaries who don’t work by cutting off or decreasing distributions or placing restrictions on heirs with addictions by requiring that payments go directly to rehab centers.

But be aware that these types of trusts can also have drawbacks. A poorly-constructed incentive trust can have a high risk of unintended consequences. For example, if your trust provides a financial incentive for your children to be employed full-time, but one of them gets sick or seriously injured in a car accident and can’t work, they would be punished unfairly.

You also need to know that incentive trusts aren’t cheap. You can expect to pay an attorney $2,500 to $5,000 to draft one.

There are also legal limits on what you can do with an incentive trust. While state laws vary, incentive trusts that encourage a beneficiary to join or leave a particular religion, or leave a spouse or not marry at all, can be challenged in court and possibly struck down.

How to Create One

To create a solid incentive trust that accomplishes what you envision, you need to hire an estate-planning attorney who will include precise instructions that clearly spells out your wishes. You’ll also want to include language granting your trustee the right to use his or her discretion and that the trustee’s decisions should be final and binding.

This allows your trustee to make common sense rulings, which will reduce or eliminate the chances of unintended and unfair consequences. It also makes it very difficult for beneficiaries to successfully challenge the trust or trustee in court. When a trust grants final decision-making authority to its trustee, it becomes almost impossible for beneficiaries to successfully argue that this trustee is not correctly implementing the trust’s terms.

The key is to select a trustee who’s smart enough to interpret your intent and has sufficient backbone to stand up to beneficiaries when necessary. You also need to select a successor trustee too if your first choice can no longer serve. Fees paid to a trustee vary widely depending on the state’s fee schedules, the size and complexity of the trust, and conditions laid out in the trust.

To find an experienced attorney in your area to help you create an incentive trust, see the National Academy of Elder Law Attorneys (naela.org) and the American College of Trust and Estate Counsel (actec.org).

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

The post An incentive trust can influence your heirs. Here’s how. appeared first on East Idaho News.

Question:

Dear Savvy Senior,

Can you recommend some medical escort services that help seniors get home after a medical procedure? I need to have a colonoscopy, but my doctor’s clinic won’t schedule my appointment unless I supply them with a name and phone number of the person taking me home afterward. I live alone with no family nearby, and my friend doesn’t drive anymore. Any suggestions?

Need a Lift

Answer:

Dear Need,

Good question! Finding “door-through-door” medical escort services for outpatient screenings and procedures that involve anesthesia can be challenging for older patients without nearby family or friends to rely on.

Door-through-door escorts that most clinics require is a safety measure. With a colonoscopy, for example, patients often receive an anesthetic, like propofol, or a narcotic such as Demerol or fentanyl, combined with anti-anxiety medication like Versed or Valium.

These drugs affect the brain, and they can stay in the system for four to six hours. So, what’s needed is someone to escort you out of the building, take you back home and see you into it.

While there’s no one simple solution to this medical escort problem, there are wide variety of local service providers, nonprofits and home-care companies that may be able to assist you. But what’s available to you will depend on where you live.

Finding Help

A good first step in making medical escort arrangements is to talk to your health care provider that’s doing the procedure to find out if their clinic offers transportation services or if they can refer you to a local medical escort service or person who can help you. If not, see if you can remain in the clinic for an extended period of time, until the drugs wear off, so you can safely drive yourself home or hail an Uber, Lyft or taxi to take you.

If these options aren’t available, here are some sources you should check into.

Area Agency on Aging (AAA): Your local AAA is one of your best resources for locating transportation services and should be able to refer you to medical escorts available in your community. To find your AAA call the Eldercare Locator (800) 677-1116 or visit Eldercare.acl.gov.

Local nonprofit groups: The National Volunteer Caregiving Network (NVCNetwork.org) connects about 700 community organizations nationwide, most of which provide door-through-door transportation without charge.

Shepherd’s Centers of America: There are 55 affiliates in 17 states that provide support services for older adults – see ShepherdCenters.org. Most offer escorts to and from medical appointments without charge.

Village to Village Network: There are around 250 local village networks across the country (see VTVNetwork.org) that often help with medical escorts, though there’s an annual fee – usually subsidized for lower-income seniors – to join a village.

Home-care companies: You may also be able to hire a medical escort through a home-care agency, or you can find someone on your own through websites like Care.com or CareLinx.com. Note that Medicare doesn’t cover medical escorts, but in many states Medicaid does. If you choose this option, be sure you give plenty of notice before your appointment.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

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Question

Dear Savvy Senior,

Can you recommend some simplified universal television remotes for seniors? My 88-year-old dad, who lives in a retirement community, has some dementia and gets confused with all the buttons on his remote. As a result, he keeps accidently reprograming his TV set.

Searching Son

Answer

Dear Searching,

Most modern TV remotes – that come with dozens of unnecessary buttons – can be confusing for anyone to operate but can be especially challenging for elderly seniors. Fortunately, there are several universal TV remotes available that are specifically designed for older adults with vision, memory, or confusion issues, as well as those that are technologically challenged. These remotes have bigger buttons and paired down options that make them much easier to see and use. Here are three top choices to consider.

Senior-Friendly Remotes

The two most popular simplified TV remotes on the market today are the “Flipper” and the “EasyMote.” Both of these are infrared (IR) only remotes intended for those who use traditional cable/satellite boxes or their TV’s internal tuner. They are not designed for people who use streaming media devices and will not work with devices that are controlled via Bluetooth or radio frequency (RF).

If you’re not sure how your dad’s TV is controlled, point his remote at the ground in the opposite direction from the device, and then press a button. If the remote still executes the command, then it’s using Bluetooth or Radio Frequency (RF) signals.

The Flipper, which is a top-rated remote, works with all major TVs including cable, satellite and digital TV receiver boxes. Available for $40 at FlipperRemote.com, this lightweight, remote has a tapered design that makes it easy to hold, and for simplicity it has only six large color-coded tactile buttons that are exposed to control the power, mute, volume up/down, and channel up/down.

Flipper also offers an optional “favorite channel” feature that will let you program up to 30 of your dad’s favorite channels and eliminate the useless channels he never watches. And it has a built-in keypad hidden behind a slide-down panel. This will give your dad the ability to directly punch in a desired channel, while keeping the remote simple and uncluttered. The Flipper remote can also be locked to prevent accidental reprograming.

The other popular senior-friendly remote that’s worth a look is the EasyMote (see EasyMote.us), which is available on Amazon.com for $18. This lightweight remote, which controls most TV and cable boxes, also comes with six large easy-to-see buttons (on/off, mute, channel up and down, and volume up and down buttons) that light up when pressed, which is nice feature if your dad watches TV in the dark. It also comes with a handy wrist strap to prevent misplacing the remote but can be removed anytime.

Multi-Device Remote

If the Flipper or EasyMote is too basic for your dad’s entertainment system, another simplified remote that offers the ability to control multiple devices is the “GE Big Button 2-Device Universal Remote” – also available at Amazon.com for $9.

This IR remote has an ergonomic design with large buttons that will let him control up to 2 audio/video components such as TV, cable/satellite receiver, Blu-ray/DVD player, Roku box, Apple TV and other streaming media players and sound bars.

In addition to power, volume, channel, mute buttons and number pad, this remote also offers a previous channel, sleep timer and input buttons for convenience.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

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