Senior Travel: Understand what care seniors should have

Senior Travel: Understand what care seniors should have

Studies have shown that leisure-related motivations such as walking, travel, physical exercise, music, dance, cinema, theatre, among others, designed specifically for the elderly can keep them physically and intellectually more active, helping to delay or ward off illness more common at this stage. These activities enhance interpersonal relationships and broaden the social network by avoiding social isolation and depression. Among leisure activities, travel plays a prominent role with several physical and mental benefits. On the other hand, the elderly may be exposed to different risks, which deserve special care and planning, whether on plane travel, ship or land transport.

The most important recommendation is that you visit your doctor before your trip to inform you’re itinerary and ask for guidance on what care you should take. Ask him about possible medications you should take for some eventuality, he is the best person to guide.Find out about the climate of the chosen destination, since the elderly are more vulnerable to high temperatures and extreme colds. Another care is in relation to the risks and sanitary conditions in which the chosen place is. Care should be taken with food and water consumption, using only those from reliable sources.

It is important to update your immunization portfolio and to inquire about which vaccines to take before travelling. Immunization helps prevent infectious diseases and, in this way, avoids possible uncontrolled heart disease, diabetes, hypertension, among others. If you use non-prescription medicines, take them in sufficient quantities for the period of travel along with the prescription, as you will not always find the remedies at the destination. If you travel to another country, check the destination legislation, as in some countries you will not be able to get medicine in your luggage without the prescriptions.

Also, remember to carry the medications for the period in transit so that there is no failure in the treatment during the trip. Also, to avoid missing out on an unexpected trip, take an extra amount of your medicines for continuous use.Any means of transport can cause thrombosis, especially in the legs, and pulmonary embolism in elderly people who do not take adequate preventive measures, such as for example, to wear comfortable clothing, to stretch before and after the trip, to stimulate circulation by flexing the extremities, changing posture and walking whenever possible. Check with your doctor if any further action is required.

Things to keep in mind before planning finance in old age

Things to keep in mind before planning finance in old age

Before entering into your post-retirement phase, have you thought or even carried any studies regarding how it is planned and what aspects to keep in mind for after retirement life? Also, the most important question that should come in your mind that how will you manage for getting financial support. Everybody has the financial plan ready which is either self-drafted or being drafted by a financial expert/adviser. It shows when you can use the money and where to use.

What to do before planning finance at old age?

Planning finance is brought to look at some special cases and learn from them. Retirement is the time to rest and carry out pending projects, but it is also a challenge to not have an activity that generates income. Review these tips to cover, before making a plan on managing money in old age:

  • There is no age to “finish” with finances. There will always be expenses and also opportunities to undertake and fulfil plans. In general, retired people live on the pension provided by social security. In this case, it is recommended to make a real budget and adjust to it. The key is not to spend more than what you earn.
  • In other cases, retirees live off their savings. These must be well managed to reach for several years. While “lifestyle” expenses fall, health expenditures increase, for example, there are also people who, when they retire, can live off the income generated by investments made in their productive stage, such as leasing real estate or own business.
  • In all cases, the distribution of money must be planned and adapted to the real needs of this stage. This planner can help you organize the money.
  • For those who have assets, another option is to distribute them in life to their heirs or sell them, to enjoy the “liquid” money in projects not fulfilled, such as trips, or hobbies of interest.
  • The third age is also a propitious stage to undertake since it has free time. Age is not an impediment to developing a small personal business or partnering with others.
  • A useful tool at this stage is the credit card, to make punctual payments, such as services, and to finance short-term expenses such as a plane ticket or supplies for a venture. In addition, for security, the use of the card prevents mobilization and use of cash.

Top 3 safety tips for elderly people in the course of a trip

Top 3 safety tips for elderly people in the course of a trip

Are you about to leave for a holiday trip? These days, the count of elderly tourists is rising sharply, and it is advised that you join the leagues of these individuals. Traveling is one such opportunity for elderly people than enables them to overcome stress and make life enjoyable and exciting. However, you should ensure that you are taking the adequate safety measures so that you don’t have to make any unsolicited experience, during the course of the trip or after it.

Don’t advertise that your house will be lying vacant

It is obvious that you will be excited about your trip, and this might trigger you to go on talking about the trip, maybe at the social media or at any public places. However, this is where you are going to make a mistake. It is probable that such news will reach the ears of the evil forces who might try to break into your house,when you will be in the course of the trip. So, you should stop advertising that you are about to set for a trip. If possible, ask some reliable people to stay in your house, for the time you will be out of your house. Alternatively, you can make arrangement for professional watch and ward service providers to secure the privacy and safety.

Try if you can find a group to accommodate yourself

Another simple measure to secure your safety during the course of the trip is to join a group, so that you have someone to attend you, during the emergency times. In addition, joining a group, you can cut down the trip expenses as some of the expenses can be shared among the group members. Thus, if you are an elderly person, you should always look for a group, rather than traveling yourself. You can even consider the idea of joining a professional travel company that organizes group travel plans.

Ensuring that you are sticking to your regular diet and routine medicines

Another blunder will be to ignore your regular diet plans and refraining from taking the routine medicines. Though, it is expected that you will not get the availability of the foods as per your diet in the course of the trip, still, you should try to stick to the diet to the extent possible. Likewise, you should take care that you are regular and disciplines in taking the routine medicines at fixed times. This will keep you safe from the threats that might come up, if you are deviating out of your routine diet and prescribed medications.

Medicare Health Plans can cost you a lot

Medicare Health Plans can cost you a lot

Over a period of time, I have witnessed the benefit of solid, accurate information every day as an independent broker who specialize in seniors insurance and Medigap supplemental insurance – Medicare. Taking an informed decision depends solely on having a knowledge and understanding of the available options. Many clients brought to my knowledge that their search for answers gave rise to many emails and phone calls from tons of insurance brokers that put them in a frustrating and confusing situation. This can be very emotional if you just give up and miss the chance to discover an opportunity that could better your health situation and save you money.

Fact 1: Marketing firms are out to sell information to you.

When you search for information online or fill a form to win a prize, you are putting your personal data on a database. The firm will sell your data to several agents who contact them to provide them with the name and contact details of people who need information about supplementary Medigap and Medicare policies. This is where the avalanche of emails will commence! You can avoid this by always making sure you are on a legitimate and authorized website. There should be a toll free line for you and an email address to communicate with them. If you requested to give your personal info to get an offer, then you could just be on the wrong site.

Fact 2: Though the premium for Medigap – Medicare Supplemental plan may be different for different firms, the benefits are the same.

Currently, there are 10 standard Medicare policies, including A, B, C, D, F, G, K, L, M & N. The benefits of each of these plans are approved by the Centers for Medicare & Medicaid Services (CMS). All insurance firms which offer Medicare supplemental insurance policies must meet the approved benefits of the plans they offer.

Although the benefits for each of the different plans are the same, irrespective of the firm offering the policy, there are huge disparities in the pricing of policies from one firm to another.

A knowledge of this and taking the time to compare premiums, you can save 30 percent or more on your Medicare supplement. You can really save money in minutes.

Fact 3: The Medicare supplemental policy or Medigap is only included after the enrollment has been opened.

Supplemental Medicare plans are not subject to yearly production terms and may be changed at any time during the year.With that in mind, you can compare plan options at any time and switch to another plan or firm. If you see that you can obtain the same contract from another firm for a better price, you can change it immediately and begin to save.

Fact 4: You are included in your Part D plan until enrollment is open.

Part D drug plans are Medicare-approved plans provided by private insurance firms.

How to avoid financial vulnerability at old age?

How to avoid financial vulnerability at old age?

The loss of the ability to manage one’s own money is not only a problem for people with dementia, it affects older people with health problems, who feel alone or who are in situations that make them vulnerable, such as residing in accommodations that do not have ethical behaviour, lack of preparation, ignorance of new technologies, etc.

Money management: Can it turn out to be a mess?

 Do not think that it is a risk run by people in poverty. It can happen to anyone in a situation of vulnerability. In a recent study, the problem is named with the term “financial vulnerability associated with age”. These terms are intended to establish a pattern of behaviours related to money that can lead the elderly person to a loss of resources that put their quality of life at risk. Not only has the aging of the brain or the loss of faculties led to impoverishment. The financial exploitation of the elderly is a widespread form of abuse. These two factors are together lead to situations of helplessness, loss of quality of life, health problems and, in extreme cases, abandonment.

Factors specific to age include physical, cognitive and emotional impairment. Alterations in vision, hearing, and mobility, incapacitating illnesses, isolation due to loss of mobility, all influence to accelerate the cognitive deterioration that prevents older people to manage their assets or money autonomously. Moreover, when an older person begins to make obviously wrong economic decisions, the environment should be alerted as it can be an indication of dementia. Thus, this will only lead you to have haphazard financial management and can be great trouble in the future. To save your money there are certain things that you need to take care in order to have good financial support in the future.

How to avoid this problem and get a good financial plan?

•    In order to guarantee a good quality of life for the elderly person, it is necessary that they make decisions when they still have the capacity to do so and that it is they who designate who will make the decisions when they cannot.

•    Extending a power of attorney and making a will are actions that prevent situations of abuse and neglect.

•    Also, plan the future and say it to those close to you, such as when to enter a nursing home, what type of residential centre and where it should be or the choice of treatment against diseases.

An Overview of Ministroke in Senior Citizens

An Overview of Ministroke in Senior Citizens

The concept of “ministroke” is still interpreted differently. Some people think that this is the dying off of a microscopic part of the brain, while others think that this is a condition when an insufficient amount of blood temporarily goes to some (not necessarily small) area of the brain. Doctors officially declare: micro stroke is a household name for a temporary, lasting less than 24 hours, lack of oxygen in a separate part of the brain. In the medical vocabulary, this is called a transient cerebral circulation disorder (PNMK). A transient violation of cerebral circulation is divided into 3 types, the main of which is a transient ischemic attack (TIA). Basically, it is called a ministroke.

The term “TIA” stands for:

transient – it means temporary;

ischemic – means that the area of the brain lacks oxygen;

attack – that is, a sharply developed state.

That is, a separate part of the brain stops receiving the amount of oxygen it needs for work, but this situation lasts a short time (from several minutes to 24 hours). At the same time, a certain amount of oxygen is supplied, so the cells that make up this area of the brain suffer, but do not die. This is the difference between ministroke and “big” (“real”) stroke.

The first signs of a ministroke:

Sometimes the body warns a person that soon there will be a violation of blood circulation in the brain. It does this with such “signal” symptoms as:

headache that builds up;


numbness of the hands, feet, or parts of the face;

blurred vision;

severe weakness;


sharp loss of coordination;

the loss of the thread of the narration – a person stops in mid-sentence or begins to react inadequately to words;

black dots or flashes before eyes;

goosebumps on the skin.

These symptoms do not appear in all patients.

Prevention of micro-strokes:

Avoid smoking and consumption of alcohol.

Do not eat fatty (especially fried) foods.

Maintain sugar levels within normal limits.

Monitor blood pressure. When it rises at rest above 140/95 mm Hg. more often than 1 time, you need to contact the therapist to determine the causes of this condition and treatment.

Annually examine the condition of the heart, and if necessary, treat it.

Medigap for senior citizens: Senior citizens who are over 65 should get 2020 Medicare advantage plans comparison with http://www.medicareadvantageplans2020.orgthat enable them to cover expenses like the deductible.

Using the open enrollment period for Medigap change

Using the open enrollment period for Medigap change

The open underwriting period for Medicare and Medicare benefits is November 15 to December 3. There are hundreds of types of these plans that you can find across the nation, with different insurance plans, premiums, and deductibles. Hence, instead of procrastinating, help your situation by buying in time. As at 2011, the conventional period from January 1 to March 31 to make further changes at the time of enrollment has ceased to exist. It is even more important to compare all the options. About 11.8 million beneficiaries of Medicare were already registered in Advantage Care policies as at September 30th. That’s about one-quarter of all Medicare patients.

How do Medicare Advantage plans work?

These plans come from private insurers who provide insurance to the elderly and some persons with disabilities. The policies are subsidized by the government and generally compete with supplements that are not included in traditional health insurance, such as hearing, dental, or demand insurance. Subsidies offered lesser premiums than Medicare for standard Part B; however grants have been carefully reviewed in recent times. The federal government has halted the benefits of performance evaluations. Some Medicare Advantage insurance plans may generate premiums. However plans performing below expectation are linked to subsidy loss that could lead to increased premiums.

Many of these plans include the Medicare Part D drug plan. Supplement insurance plans are also managed by support plans, such as those of a preferred provider or maintenance organizations. As a general rule, you must choose a family doctor and consult with him before you can see a specialist. Your access to physicians, hospitals or other medical service providers may also be limited to the plan provider’s network. Some insurers have pricing plans for private services that allow you to see a doctor or use a Medicare-accredited hospital. These plans may result in medical exam fees, but it is not necessary to choose a family doctor or to receive a referral to consult a specialist.

All of these plans include all Medicare Part A and B blankets, including emergency care. Plans do not guarantee hospice care. This is because traditional Medicare will also guarantee you if you purchase any of the Medicare Advantage coverage plans. How can I join one of the Medicare Advantage plans?

Generally, if you have Health Insurance A and B and you reside in a region where a compensation plan accepts new members, you can adhere to a compensation plan.If you switch to another Advantage insurance plan, you only need to sign up for the new plan and you will automatically be excluded from your old plan. There is no shortcut in your insurance.As long as you are enrolled in an Advantage plan, you do not need to purchase Medicare Supplement insurance. The fact is that it is illegal for anyone to sell one of the ten Medigap plans if he has a benefit plan.The benefits of Medigap plans are provided by the Advantage plans and Medicare Supplemental Insurance does not provide co insurance, co payment or deductibles for the Advantage plan.

Important points for Senior Citizens going to Tour

Important points for Senior Citizens going to Tour     

For individuals, people had born after World War Two,” achieving retirement age, senior travel is on the ascent. So as to travel effectively as a senior, you should understand that most visit administrators won’t fit your necessities. A one-estimate fits-all visit task is frequently excessively immediately paced, arranged without rest breaks and does not permit the sort of adaptability that a more established voyager needs. You should choose what you need to escape your European excursion, what you can do and what your value run is. Peruse more to figure out how to take a Seniors European visit.

•       Decide where you want to go and what you want to see

Europe is a whole mainland, so consider that 1 to 2 nations is a decent objective for your first European visit, since it doesn’t expect you to take additional flights or train rides. Seniors regularly visit tribal nations, craftsmanship capitals like Florence or Paris, or spots they have found out about.

•       Check and take care of your age limitations

The senior range is ordinarily somewhere in the range of 50 and 90, and there is frequently a colossal contrast in portability, vision, and autonomy amid those ages. Rundown every one of the things that you require, for example, airplane terminal exchanges to your home, a wheelchair, a walker, a moderate pace, all suppers gave, sound visits, air terminal help and that’s just the beginning.

•       Decide which one with you want to go yourself, or with your family or Group of friends

Organizations are set up both routes; now and again, you should discover the general population and promote the trek, and in different cases, you can essentially agree to accept an outing that is coming.

•       Decide time span of your tour

Visits change from 7 to 45 days long and are considered “delicate experience” trips that focus on the way of life, history and regular traits of goals. Our section framework permits our senior travel gatherings to pick the length that suits them for huge numbers of our goals. Pick an only multi-week or one portion, or join half a month over a more extensive piece of the world to make your fantasy trip. Connect with an advantage plan at

5 Steps That Senior Travelers Can Take To Avoid Food Poisoning

5 Steps That Senior Travelers Can Take To Avoid Food Poisoning

A period of food poisoning is no doubt a miserable experience at any time. The experience is even worse if you are an old adult. Imagine having to suffer the pain when you travel. Good thing is, you can effectively avoid food poisoning when you travel. Without much ado, here are the steps senior travelers can take to avoid food poisoning. medicare supplement plans via

  1. Drink safe water

It’s worth noting that not all countries have clean water supply. What’s more, there are some water vendors who simply refill empty water bottles with unfiltered water, which they collect from local taps. So, it’s not necessarily true that bottled water is safe. It’s advisable that you have with you water purification tools or tablets on hand if you are traveling to a country where water is unsafe or unfiltered. You should also be sure to take only bottled water with intact seals.

  • Pay close attention to the food you eat

To avoid food poisoning, you should be very cautious about what you eat when you travel. Avoid foods that have not been cooked properly as such foods may contain bacteria that may cause food poisoning. You should eat foods that are fresh and completely cooked. You should also avoid any uncooked food unless it is a type of food you can shell or peel. Again, be very cautious about ice cream because some vendors may not keep their ice cream chilled.

  • Practice thorough hand washing

When you travel, you will be interacting with your immediate environment and this involves touching people, animals, and objects. This means that you can easily pick up a microbe or bacteria. To avoid food poisoning, be sure to wash your hands thoroughly before eating anything or touching any food. When washing your hands, be sure to apply soup and rub and scrub your hands well together without a hurry before rinsing with a lot of clean water.

  • Eat just smaller portions

Instead of eating bigger portions, you should practice eating smaller portions. This will help you a lot in case of food poisoning because the body is usually able to fight off food poisoning more effectively when it is affected minimally by small food portions. Be very careful where you buy and eat food Of course, eating the foods from the street is fun and makes you have that feeling of living like local people. However, some local vendors don’t observe hygeine and health standards. So, before you eat anything, inspect the hygienic condition of the vendor and the environment. The safest places to eat are high end restaurants because they are subjected to inspections that ensure they keep with global hygiene and health standards.