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When Irritability, Low Mood, or Forgetfulness Appear How Nutrition and Daily Habits Can Support Brain Health as We Age

Fri, 16 Jan 2026 19:11:47 GMT

The brain, like the rest of the body, depends on steady fuel and proper maintenance.

As people age, several common factors can quietly affect brain health.

Older adults often eat less overall and may skip meals unintentionally.
Protein intake frequently declines, even though protein needs remain the same—or increase slightly—with age.
Intake of fiber, healthy fats, and key vitamins and minerals may also fall short.
At the same time, sleep tends to become lighter or more fragmented.
Physical activity often decreases.
Thirst sensation weakens, increasing the risk of dehydration.
Many older adults also take medications that affect appetite, digestion, or the absorption of nutrients.

Individually, these changes may seem minor. Over time, however, they can contribute to low energy, irritability, low mood, confusion, slowed thinking, or forgetfulness, often without one clear cause.

The Nutrition–Brain Connection: Why Food Matters So Much

The brain is one of the most metabolically active organs in the body. It requires a constant supply of energy, protein, fats, vitamins, and minerals to function properly.

When nutritional intake is inadequate, the effects may be subtle at first—slower thinking, reduced motivation, low mood, or poor concentration—but they can become more noticeable over time.

Protein and Brain Chemistry

Protein provides amino acids, which are the building blocks for brain chemicals such as serotonin and dopamine. These chemicals play a key role in mood regulation, motivation, and focus.

When protein intake is low, people may experience fatigue, irritability, low mood, or difficulty concentrating.

Fiber, Gut Health, and Mood

Fiber supports gut health and helps regulate blood sugar levels. A healthy gut plays an important role in producing compounds that influence mood and inflammation. Diets low in fiber are associated with greater blood sugar swings, which can worsen fatigue, irritability, and brain fog

Prebiotics and Probiotics

Fermented foods and fiber-rich foods support beneficial gut bacteria. The gut and brain communicate constantly through the gut–brain connection. Disruptions in gut health can influence mood, stress tolerance, and mental clarity.

Omega-3 Fats and Brain Structure

Omega-3 fats, particularly EPA and DHA, are essential components of brain cells. They help maintain brain structure and reduce inflammation. Low intake has been linked to low mood and changes in cognitive function.

Vitamins and Minerals That Support Brain Function

Vitamin B12 and folate support nerve health, memory, and energy. Low levels are common in older adults and may show up as confusion, memory problems, or low mood.
Vitamin D supports mood, cognition, muscle strength, and immune health. Deficiency is common, especially in individuals with limited sun exposure.
Iron helps deliver oxygen to the brain. Low iron levels can cause fatigue, poor concentration, and low mood.
Zinc and magnesium support nerve signaling, immune function, sleep quality, and stress regulation.

When intake of these nutrients is low, the brain may not function at its best.

Daily Habits Matter Just as Much as Food

Nutrition is most effective when paired with supportive daily routines.

Sleep plays a major role in memory and emotional balance. Poor or irregular sleep can worsen mood and increase irritability. A consistent bedtime and wake-up time can help support brain health.

Movement increases blood flow to the brain and supports emotional well-being. Gentle daily activity—such as walking, stretching, or light strength exercises—can improve clarity and mood.

Hydration is often overlooked. Even mild dehydration can affect energy, focus, and mood, particularly in older adults. Regular fluid intake throughout the day is important.

Routine and structure help the brain feel calm and regulated. Predictable meals, daily movement, and consistent sleep patterns support mental balance.

When it Comes to Your Loved Ones, Peace of Mind Matters

Tue, 25 Mar 2025 15:11:54 GMT

Our personalized Top Up Care services provide extra support for patients in hospitals, retirement homes, long-term care facilities, and at home. Whether they need companionship, help with daily activities, or dedicated one-on-one attention, our caregivers are there to fill the gaps and ensure comfort, dignity, and quality care.

We work alongside medical teams and existing support services to provide seamless, compassionate care tailored to each individual’s needs. With Top Up Care, families can rest assured knowing their loved ones receive the best possible care, no matter where they are.

Hospitals

Even in the best hospitals, patients benefit from extra, personalized attention. Our Top Up Care services offer companionship and support beyond what busy medical staff can provide. Whether it’s assisting with meals, helping with mobility, taking patients for a walk or wheelchair ride, or simply offering a comforting presence at the bedside, our caregivers ensure patients feel safe, heard, and cared for. We bridge the gap between clinical care and personal comfort, offering peace of mind for families who can’t always be there in person.

Retirement Homes

While retirement homes offer a community setting, some residents need additional one-on-one care to maintain their independence and quality of life. Our Top Up Care provides personalized support, including help with personal grooming, attending appointments, or participating in recreational activities.

For independent living residents, loneliness can be a concern, especially when family is far away. Regular companionship, such as sharing meals, playing games, or enjoying walks, fosters social connection and emotional well-being. Our caregivers offer the extra care and companionship needed to help residents thrive.

Long-Term Care Facilities

Residents in long-term care facilities often have complex health needs requiring specialized attention. Our Top Up Care services complement the care already provided by offering personalized support. This includes assistance with mobility, personal hygiene, and meaningful companionship.

Based on our experience, a four-hour window from dinner to bedtime offers the best support - helping with evening routines, providing comfort, and ensuring residents settle in for the night. Families can trust that their loved ones receive respectful, consistent, and compassionate care beyond the basics.

Home Care

For those who prefer the comfort of home, our Top Up Care services provide flexible, personalized assistance that complements existing support like Ontario Health at Home. Whether recovering from surgery, managing chronic conditions, or needing help with daily tasks, our caregivers deliver professional, compassionate care tailored to individual needs. Services include light housekeeping, meal preparation, medication reminders, and personal care. We prioritize independence and dignity, ensuring clients feel supported while living safely and comfortably in their homes.

We’re dedicated to providing compassionate, personalized support wherever it’s needed most. Whether in hospitals, retirement homes, long-term care facilities, or at home, our caregivers are here to make a meaningful difference.

The Benefits of Using Private Care

Wed, 24 Jul 2024 19:55:32 GMT

Personalized Support Wherever It's Needed

In an increasingly complex healthcare landscape, finding the right care for yourself or your loved ones can be challenging. Among all the options, private care stands out as a flexible, personalized solution that adapts to your individual needs. From hospitals and retirement homes to long-term care facilities, rehabs, and private residences, private care services offer unparalleled flexibility and expertise.

Let’s look at why choosing private care can make a significant difference in your quality of life and the care you receive.

Flexibility and Convenience

One of the biggest advantages of private care is its flexibility. Unlike traditional care models that are often bound by institutional constraints, private care can be tailored to fit the unique needs of each patient. This means that care can be provided in a variety of settings, whether it's a hospital, a retirement home, a long-term care facility, a rehabilitation centre, or the comfort of the patient's own home. This flexibility ensures that patients receive consistent and continuous care, regardless of their location or changes in their health status.

Personalized Attention

Private care services are known for their personalized approach. Care plans are customized to meet the specific needs and preferences of the patient, taking into account their medical history, lifestyle, and personal wishes. This individualized care leads to better health outcomes and a higher quality of life. For instance, in a private home care setting, caregivers can focus solely on the patient, providing dedicated support and companionship that is often lacking in more institutional environments.

Comprehensive Care Across Various Settings

Private care providers are equipped to deliver a wide range of services across different settings:

Hospitals

In hospital settings, private care can complement the care provided by the hospital staff. Private caregivers can assist with personal care, provide companionship, and help with communication between the patient and medical professionals. This additional layer of support can enhance the patient’s comfort and well-being during their hospital stay, as well as provide some peace of mind for the family.

Retirement Homes

For those residing in retirement homes, private care can offer personalized attention that goes beyond the standard services provided by the facility. This can include assistance with daily activities, medication management, and tailored recreational activities that align with the patient’s interests and abilities.

Long-Term Care Facilities

In long-term care facilities, private care services can help bridge the gap between the care provided by the facility and the patient’s individual needs. This can be particularly beneficial for patients with chronic conditions or those requiring specialized care, ensuring they receive the attention and support they need around the clock.

Rehabilitation Centers

Private care in rehabilitation centers can enhance the recovery process by providing one-on-one support and motivation. Caregivers can assist with exercises, monitor progress, and offer encouragement, helping patients regain their independence more quickly and effectively.

At Home

The option to receive care at home is one of the most significant benefits of private care. Patients remain in a familiar and comfortable environment, helping them to maintain their independence while receiving the care they need. Caregivers can prepare meals to their liking and follow their schedule. Special bonds are often developed between caregiver and patient because of the one-on-one attention private care provides.

Private care providers, like Livewell Pathway, can also help you age in place by recommending qualified resources to help you declutter and make modifications to your home for safety and comfort.

When Palliative Care is Needed

Palliative care is an area where private care truly excels. Palliative care focuses on providing relief from the symptoms and stress of serious illness, to improve the quality of life for both the patient and their family. Private palliative care services offer a compassionate and holistic approach, addressing not only physical symptoms but also emotional, social, and spiritual needs.

Comfort and Dignity

Private palliative care ensures that patients can spend their final days in comfort and dignity, surrounded by their loved ones. Caregivers are trained to manage pain and other distressing symptoms, providing a level of personalized attention that is often difficult to achieve in a hospital or hospice setting.

Emotional and Psychological Support

The emotional and psychological support provided by private palliative care is invaluable. Caregivers offer companionship and a listening ear, helping patients and their families navigate the emotional challenges of a serious illness. This support extends to family members as well, offering them respite and the reassurance that their loved one is receiving the best possible care.

Continuity of Care

Private palliative care ensures continuity of care, which is crucial for patients with complex and changing needs. Care plans are regularly reviewed and adjusted to reflect the patient’s current condition and preferences, ensuring that they receive the most appropriate and effective care at all times.

Expertise and Professionalism

Private care providers are typically highly trained professionals with expertise in a wide range of medical and caregiving disciplines. This ensures that patients receive high-quality care that meets the highest standards of professionalism. Whether it’s skilled nursing care, physical therapy, or specialized support for chronic conditions, private caregivers bring a wealth of knowledge and experience to their roles.

Enhanced Quality of Life

Ultimately, the goal of private care is to enhance the quality of life for patients and their families. By providing personalized, flexible, and comprehensive care, private caregivers help patients maintain their independence, dignity, and comfort across a variety of settings.

Whether providing personalized attention in a hospital, enhancing the care received in a retirement home, offering specialized support in long-term care facilities, aiding recovery in rehabilitation centers, or ensuring comfort and dignity at home, private care stands out as a versatile and effective solution.

Private care not only improves a patient’s overall well-being, it also provides peace of mind for family members, knowing that their loved one is receiving the best possible care.

Keeping Elderly Parents Safe in the Summer Heat

Tue, 25 Jun 2024 16:30:12 GMT

Summer is a wonderful time of year, with warm sunny days perfect for outdoor activities and relaxation. It’s only June and we are already getting heat wave warnings. This summer is predicted to be a hot one .

Heat and humidity can pose serious health risks, especially for elderly adults. Older adults are more susceptible to heat-related illnesses due to various factors, including medical conditions, medication side effects, and decreased ability to regulate body temperature. This can lead to issues like dehydration, heat exhaustion, and even life-threatening heat stroke.

If you have aging parents, it's crucial to take precautions to protect them from heat-related illnesses during the sweltering summer months. Here are some tips to help keep your elderly loved ones safe and comfortable when temperatures soar:

Stay Cool Indoors

The first line of defense is keeping their home nice and cool. Make sure they have a properly working air conditioning system and that they keep it set to a reasonable temperature, ideally below 26°C/80°F. Provide them with fans to circulate the air as well.

Advise them to limit strenuous activities and stay inside as much as possible during the hottest hours of the day from late morning through mid-afternoon. Draw the blinds or curtains to block out the sun's rays and minimize heat buildup indoors.

If needed, encourage them to take cool baths or showers to lower body temperature and use damp washcloths or towels to stay cool.

Stay Hydrated

Dehydration is one of the biggest heat-related risks for the elderly. Encourage your parents to drink plenty of cool water, juices, or other non-alcoholic beverages throughout the day, even if they don't feel thirsty. Avoid sugary or caffeinated drinks which can promote fluid loss.

Keep a water bottle or glass nearby and remind them to take sips regularly. You can even set a timer to prompt them to drink fluids every hour or so. Incorporate water-rich foods into their diet, such as cucumbers, watermelon, and oranges.

Watch for signs of dehydration like dizziness, headaches, muscle cramps, dry mouth, and dark yellow urine.

Dress for the Heat

Lightweight, light-coloured, and loose-fitting clothing in natural fabrics like cotton can help elderly adults stay cooler. Avoid excess layers or tight garments that trap heat close to the body.

Make sure they wear a breathable hat for sun protection if going outdoors and ensure they have breathable, comfortable shoes to avoid overheating and swelling of the feet.

Some seniors may need reminders to dress appropriately for hot weather. Check that they aren't overdressing or wearing heavy, winter-type clothing that could overheat them.

Be Aware of Medication Side Effects

Certain medications can increase heat sensitivity and dehydration risk. Diuretics, blood pressure drugs, antidepressants, and muscle relaxants are some examples. Review all medications with your parents' doctors and pharmacists to understand potential heat-related side effects.

If possible, adjust the timing of medications that may increase sun sensitivity or dehydration risks. Ensure medications are stored at recommended temperatures, as extreme heat can affect their efficacy.

Plan Cooler Activities

If your parents enjoy being active, plan indoor activities in climate-controlled spaces during the hottest parts of summer days. Visit a museum, go to the movies, take a mall walking route, or spend time at a senior centre with air conditioning.

For any essential outdoor activities, aim for the cooler morning and evening hours and ensure plenty of shade, hydration, and rest breaks. A shady park can be a nice place for a morning stroll or picnic lunch

Know the Warning Signs

Familiarize yourself with the warning signs of heat-related illnesses like heat exhaustion and heat stroke. These include dizziness, nausea, headache, rapid pulse, excessive sweating, and red flushed skin. More severe signs are a body temperature over 39°C/103°F, confusion, slurred speech, and loss of consciousness.

If you notice any of these symptoms, get your parents out of the heat immediately, remove any extra clothing, apply cool compresses, and have them slowly drink cool fluids. Seek emergency medical care if symptoms worsen or last more than an hour.

Prepare for Power Outages

Extended power outages during heat waves can quickly become dangerous situations for the elderly. Ensure your parents have backup cooling methods like battery-operated fans. Freeze water bottles and ice packs in advance to help stay cool. Keep an emergency kit with essentials, including water, non-perishable food, and medications.

Make sure they know where to go for relief, such as a friend or relative's home, community cooling center, or other air-conditioned public space. Have an emergency plan and kit ready with essential supplies in case they need to temporarily relocate.

Check In Regularly

The best way to ensure your elderly parents' safety is to check on them frequently during hot spells. Stop by their home, or if you live far away, have a neighbour, friend, or hired caregiver check in at least once or twice per day. A simple phone call can also allow you to assess how they're coping with the heat.

Use Technology

Modern technology can assist in ensuring safety during hot weather. Consider investing in a medical alert system that allows them to call for help in an emergency.

Smart thermostats can help maintain a comfortable indoor temperature by automatically adjusting settings. Health monitoring apps can track hydration, medication schedules, and physical activity.

With some basic precautions and preparation, you can help protect your aging parents from the potential dangers of summer's sweltering heat. By taking steps to maintain hydration, keep their environment cool, monitor their health, and educate them on the signs of heat-related illnesses, you can help them enjoy the summer months safely.

Stay connected, use technology, and have an emergency plan in place to address any unexpected situations. Don't hesitate to enlist help from other family, friends, or professionals to ensure their well-being during extreme temperatures.

With these strategies, you can provide peace of mind and ensure the well-being of your elderly loved ones during the hottest times of the year.

Navigating Grief on Special Days of Celebration

Thu, 16 May 2024 14:53:17 GMT

For those who have lost a parent, certain holidays can bring a fresh wave of grief and sadness. Mother's Day and Father's Day in particular are meant to celebrate the special bond between parent and child, but these occasions can feel incredibly painful after a parent's passing. While the hurt may never fully go away, there are ways to navigate these special days with compassion for yourself and honour your parent's memory.

Allow Yourself to Feel

Grief is a natural response to loss, and there is no correct way to experience it. You may feel intense sadness, anger, guilt, or even nothing at all on a particular holiday. Whatever emotions arise, allow yourself to feel them fully without judgment. Cry if you need to. Revisit old photos and memories. Talk to a loved one about the parent you lost. Bottling up emotions will only prolong the grieving process.

Start New Traditions

While old traditions may feel too painful to continue after a loss, creating new ones can help provide comfort and meaning. Visit your parent's gravesite and leave flowers. Donate to a cause they cared about. Cook their favourite meal. Frame a cherished photo or make a memory box. Personalizing the holiday in a new way can help to celebrate their life and legacy.

Connect with Loved Ones

Spending time with family and friends can offer much-needed support and distraction. Share stories and reminisce about the loved one you lost. If being around others feels overwhelming, communicate your needs clearly and take breaks as needed. There is no obligation to "celebrate" if you don't feel up to it.

Be Kind to Yourself

Grief has no timeline, and healing happens at its own pace. If the holiday is too difficult, make self-care the priority. Take a day off work, go for a long walk, or simply allow yourself to feel however you need to without expectations. Avoid people or situations that insist you should have "moved on." Grief is evidence of the love you had for your parent.

Special holidays may always be bittersweet after losing a parent, but finding healthy ways to process your grief can make them more bearable. Be gentle with yourself, and know that your parent's love continues on through you.

Resources

For a list of bereavement resources in Durham and surrounding areas, visit the Central East Healthline .

Shining a Light on the Crucial Role of Caregivers

Mon, 01 Apr 2024 14:01:44 GMT

In a world where kindness and help often go unnoticed, caregivers are the heroes who deserve recognition. They dedicate their lives to looking after those in need, showing them love and support. On April 2nd, as we celebrate National Caregiver Day, it's important to acknowledge the important work that caregivers do and how it impacts the lives of the people they care for.

The Hidden Workforce

Caregivers work hard behind closed doors, away from the spotlight, to take care of others. They show care and love to their family members or those they are responsible for. They may not have superpowers, but their dedication is just as strong. Whether it's caring for a family member with a disability, an aging parent, an accident victim, or a patient in a healthcare setting, caregivers are an essential part of our support system.

The Importance of Caregivers

The crucial help that caregivers provide allows people to keep their dignity, independence, and quality of life. They do many different tasks, like helping with personal care, managing medications, and providing emotional support. Caregivers often become advocates and connectors, ensuring that their loved ones have access to the things they need for a good, quality life.

The Emotional Toll

Even though caregivers show love and commitment in their work, it can be very emotionally demanding. Taking care of others is tiring and stressful, and it can negatively affect the caregiver's health. It's important to recognize the sacrifices caregivers make and provide them with support to take care of themselves too.

Celebrating National Caregiver Day

Every year on April 2nd, we celebrate National Caregiver Day to say thank you to caregivers. It's a day to recognize and appreciate the amazing work caregivers do in the lives of others. By acknowledging their efforts, we can create a culture of gratitude and support. Let's celebrate and honour caregivers not only on April 2nd but all year round because they truly are the heroes in our society.

Protecting Seniors from Falls

Wed, 15 Feb 2023 15:07:49 GMT

Aging can sneak up on us. While in our minds we are still young and spry, our bodies sometimes tell us a different story. And after age 65, one of the most common signs of aging we notice is that we become a little less steady on our feet. Perhaps we bump into furniture a bit more or find we need to hang onto the railing a bit harder going up and down stairs.

As we get older, items in our homes that use to be virtually harmless to us 20 years ago, start to pose a greater risk for trips and falls. For example, carpets, loose rugs, raised thresholds, clutter, stairs and more.

Falls can result in serious injuries such as hip fractures, broken bones, and head trauma. They are the leading cause of injury-related hospitalization and death for older adults. Even without a serious injury, falls can leave a senior feeling fearful or depressed. It can affect their confidence making them less active.

Preventing falls is an effective way to help seniors stay healthy and is relatively easy to do. Most falls occur at home, so a few modifications in and around the house can make your loved ones safer, healthier and independent longer.

Let’s first look at some of the common factors that lead to falls:

Balance and gait : As we age we lose coordination, flexibility and balance, primarily through inactivity or disease, such as a stroke or Parkinson's Disease.
Poor vision/hearing : We may not see edges as clearly or see or hear obstacles in our path.
Medications : Some medications can affect brain functions and cause drowsiness, dizziness and other side effects that can lead to falls.
Environment : Our home and surroundings, due to obstacles, poor lighting, weather conditions and more.
Chronic conditions : 80% of older adults have at least one chronic condition, such as diabetes, arthritis or dementia. These can result in lost function, pain, inactivity, depression and more.
Poor nutrition : As we get older, our appetite can reduce naturally or as a result of medications, affecting our diet.
Alcohol intake : Alcohol makes us less steady on our feet and can interact negatively with medications.

Now let’s look at the best ways to prevent falls for you or your loved ones:

Health

Get an eye and hearing checkup
Review medications - are you experiencing side effects?
Exercise - build leg strength; take Tai Chi for better balance; go for walks
Are you holding onto walls, furniture or someone else when walking? Exercise can help or you may need a mobility aid, such as a walker.
Eat a healthy diet
Keep your mind sharp - socialize; join the local seniors centre; have coffee with friends; play games
Wear sturdy, well-fitting shoes
See your doctor for a health assessment and medication review

Home

Reduce clutter, loose wires, cords and obstacles
Install grab bars and non-slip surfaces in bathrooms; consider a raised toilet seat
Ensure all stairs have railings
Ensure proper lighting throughout the house, especially in hallways and stairways. Have night lights in the bedroom and throughout the house.
Store kitchen supplies in easy-to-reach locations
Get a fall alert bracelet

Falls are a major reason seniors lose their independence and mobility. By keeping on top of your, or your loved one's, health and making some changes around your home, you can greatly reduce the risk of falls.

For more information, see The Safe Living Guide—A Guide to Home Safety for Seniors on the Government of Canada’s website.

Visiting Loved Ones with Dementia Over the Holidays

Fri, 09 Dec 2022 16:15:45 GMT

It’s been a tough few years for everyone, but for seniors especially. And for those with Alzheimer’s or dementia, the negative effects of isolation have been far greater. Although we are not out of the Covid woods yet, we are now able to visit with our loved ones.

If your loved one has Alzheimer’s or dementia, visits can be a challenge. Will they remember who you are? Will they even know you were there? What if they’re combative?

Let’s face it. You don’t always know what you’re going to get. But the one thing your loved one does need is human connection. And with the holiday season approaching, it’s more important than ever. So how do you ensure a successful visit?

While there are no guarantees, here are some do’s and don’ts to help make your next visit a positive experience:

DO

Limit visitors to 1 or 2 people at a time. Too many people can be confusing and overwhelming.
Schedule visits at a time of day when your older adult is typically at their best.
Minimize distractions by keeping the environment calm and quiet. Turn off the TV or loud music.
Keep your tone and body language friendly and positive.
Make eye contact and stay at their eye level.
Introduce yourself even if you are sure they must know you. (e.g., "Hi Grandpa, I'm Lucy, your granddaughter.”)
Speak slowly and in short sentences with only one idea per sentence. Give them extra time to think and speak or answer questions.
Be OK with sitting together in silence. They may enjoy that just as much as talking.
Follow their lead and validate their feelings. Allow them to express feelings of anger, sadness, or fear as this is their reality.
Share and discuss memories of the past; e.g., a photo album with pictures of events, family, etc.
Give gentle touches or hugs if they give you permission.

DON’T

Say "Do you remember me?" This can cause anger or embarrassment by exposing their limitations, failures and confusion.
Speak too loudly.
Argue. If they say something that is not correct, just let it go.
Point out mistakes. It just makes them feel bad and doesn't help the conversation.
Assume they don't remember anything. Many dementia sufferers have moments of clarity.
Take mean or nasty things they say personally. It is part of the disease process that is beyond their control.

Remember, no one can predict what will happen with your older adult's cognitive ability and behaviour, but following these guidelines you can make your visits more positive and fulfilling for everyone. Share this list with your friends and family and encourage them to visit their loved ones more often, especially this holiday season.

Choosing the Right Care Options for Mom and Dad

Tue, 30 Aug 2022 16:39:20 GMT

As our parents age, we may start to notice changes in their ability to manage day-to-day activities like shopping, paying bills and preparing meals. Some changes are physical, some are cognitive.

As these changes progress, we realize that some tough decisions need to be made regarding their care. Ideally, you’ve already prepared for this eventuality and have talked with your parents about what their options and wishes are around caregiving.

First, you’ll need to assess what your parents' day-to-day needs are. Do they need help with meals, getting to appointments or doing laundry? Or are their needs more complex, such as dementia or diabetes management? You may want to get an evaluation done by their family doctor or other healthcare professional to help assess their needs.

Knowing what their needs are will help you evaluate the best care options for them. How much can you and your siblings take on? It’s typically family members that take on the caregiving responsibilities for their aging parents, but as mental and physical conditions start to worsen, it can become impossible to provide the care that is needed.

The good news is that you have options.

In-Home Care

In most cases, couples want to stay in their home. This is the preferred option as long as the home is safe for them to do so. In this case, it’s advisable to engage a specialist to assess the home and determine what can be done to reduce the risks of falls or other injuries. For example, install grab bars in the bathroom, remove throw rugs to prevent tripping, etc.

General care vs specialized care

In the home, there are two categories of care available. You can get local, government-funded assistance through Home and Community Care Services in Ontario. And when that is not enough, there are private healthcare providers like LiveWell Pathway to fill in the gaps.

General care typically includes help with day-to-day activities such as bathing, dressing, light housekeeping, meal preparation and companionship. Where there are more complex needs, such as post-operative care, dementia or even palliative care, a trained nurse or other skilled professional is required.

Be realistic about what you and your family can manage on your own and where you will need extra help. Your health is just as important as the care of your loved ones and caregiver burnout can happen before you know it. Being a caregiver is a big responsibility. Make use of the many resources available to you.

Retirement Homes

If staying in their own home is not an option, but your parents are still able to care for themselves for the most part, a retirement home might be the next best option. A retirement home allows them to maintain their independence but with a little extra support in their daily activities (sometimes referred to as Assisted Living). There are a variety of services available, such as providing meals or administering medications, and costs will vary depending on the number and type of services provided.

There is no government funding for retirement homes, so this can be one of the more expensive options vs. home care or long-term care.

Long-Term Care

When your parents are no longer able to direct their care and it has become too difficult to keep them at home, a long-term care home is the best option. Long-term care homes (sometimes called nursing homes) provide round-the-clock nursing and personal care. This care is fully funded by the government and you only pay for the cost of accommodation .

There are typically waiting lists for long-term care homes in Ontario and all applications must go through Home and Community Care Services.

Choosing the Right Option

There are essentially three criteria to consider when choosing the right care option for your parents - care needs, lifestyle preferences and cost. Consider the pros and cons of each option above and do your research on the companies and homes that provide the services and support you are looking for. And when it comes to costs, understand the financing options available.

To learn more about in-home care and other healthcare options, contact LiveWell Pathway today for more information or a free consultation.

Caring for a Parent with Dementia

Wed, 22 Jun 2022 17:14:13 GMT

As our parents age, we may start noticing signs of cognitive decline. They can be subtle at first. Forgetting conversations or having trouble finding words, confusing the remote with the phone, difficulty tying shoes, and mood swings are just some of the early warning signs of dementia.

My mother used to joke that Alzheimer’s was setting in when she forgot something. Years later, she is now battling dementia. Did we miss some of those early signs? While the odd forgetful moment happens to the best of us, it’s the gradual increase in moments that we need to be aware of.

Understanding the signs

As dementia progresses, the signs and symptoms can become more obvious, and they can create frustration and upset within the family as you learn to recognize and deal with them.

Changes in mood and behaviour are not always obvious signs and can cause us to react in frustration or anger. Watch for signs of depression or apathy, such as a lack of energy, reduced social activity, or loss of appetite.

Hallucinations or delusions can also occur. Look for signs of paranoia or seeing things or people that aren’t there.

Dementia sufferers can also start to wander and appear to be actively looking for something or just pacing up and down.

You may also notice repetitive behaviours such as repeating questions or constantly rubbing their hands together.

Another common symptom is something called “sundowning”. You may notice your parent become confused, anxious or agitated late in the afternoon or early evening. This is a symptom that typically occurs in the middle stages of dementia and decreases over time.

Caring for your loved one at home

Once a diagnosis of dementia is made, the primary goal is to ensure the safety of your loved one at home. One of the first things you should do is ensure the home is equipped with safety devices and that tripping and falling hazards are removed.

For example, install grab bars in the bathroom and shower, fix loose carpet or rugs, declutter, and install night lights in hallways and other areas to ensure walkways are well lit.

There are also many assistive devices available to help your loved one manage the symptoms of dementia and ageing in general. For example, communication aids such as telephones with large buttons. Cognitive aids like pictures to label cooking and cleaning products. Mobility aids such as a walker or cane. A pill organizer for taking medication. The list goes on.

Once safety is taken care of, you’ll want to start establishing daily routines around self-care, meals and bedtime. It’s also important to ensure there is physical and mental stimulation throughout the day with activities and walks that keep them active and engaged.

If this sounds like a lot, it is. Caring for a loved one with dementia can be a full-time job. But you don’t have to do it alone. There are many resources available to help you manage the day-to-day, from adult day centres to in-home caregivers.

Don’t try to go it alone. Caring for your own personal wellbeing and health is just as important as caring for your loved one. At LiveWell Pathway, we understand the challenges of dementia and are here to listen to your concerns and help you develop a plan to ensure both the safety and happiness of your loved ones. Book a free consultation today.

How to Handle Care of Aging Parents When Siblings Disagree

Wed, 13 Apr 2022 17:03:15 GMT

As parents age and start to rely increasingly on their children for their care, it is common for disagreements to arise among siblings on what is best for mom and dad. From simple daily chores to more complex financial decisions, arguments can arise on who does what and who has the final say. Ultimately, it’s your parents’ wishes that must be met, but if they can no longer articulate those wishes, each sibling might have a different opinion on what they believe them to be. That’s why it’s important to have the talk with your parents about their wishes before a crisis hits.

Here are some of the most common areas of disagreement:

Issue: The amount of care needed.
Siblings don’t always see caregiving the same way. One may feel their parents are managing fine, while another feels they need extra help. The amount of time spent with parents, geographic location and other factors all play a part in forming these perceptions.

Solution: Get an outside assessment.
Speak to your parent's doctor about any cognitive or physical challenges you’ve noticed. They can arrange to have an assessment done by a local Care Coordinator through Home and Community Care Support Services (formerly LHIN). Getting a professional outside opinion can help prevent arguments about the care required.
Issue: Who does what.
More often than not, one sibling ends up taking on the majority of the caregiving. It can start gradually because they live the closest or they’re the oldest and used to taking a leadership role or they have the most “free time”. Whether it’s a conscious decision or one that just happened, it can create resentment.

Solution: Communication and planning.
Communication is critical here. First, understand that the sharing of responsibilities is rarely equal as people have different responsibilities, work obligations, travel issues, etc. Focus on what each person can do. For example, if one sibling lives farther away and can’t always help out physically, perhaps they can take on other responsibilities like bill payments that can be made online. Come up with a care plan so everyone is on the same page and keep each other in the loop.
Issue: Finances.
Money can do funny things to people. And when your parents need extra help at home, finances play a major role. If your parents want to stay in their home , for example, renovations may need to be made to ensure it is a safe environment for them. Sometimes parents will move in with one of their children, placing an extra financial burden on them. Decisions on who pays for what and how funds are allocated can create tensions between siblings.

Solution: Establish roles and a budget.
Ensure your parents have a will in place and have appointed Powers of Attorney (POA) for both property and care. This will ensure that someone (usually one or more children) can make financial and healthcare decisions on their behalf should they no longer be capable. Even if only one sibling is the designated POA, it's important to be as open and collaborative as possible with your other siblings when it comes to financial matters to avoid unnecessary disputes later on. Establish a budget for the care plan along with how it will be financed . And if your parents' retirement savings fall short, look at other options, such as reverse mortgages, that can help.

We all want what is best for our parents but that doesn’t mean we’re always going to agree on what that is. Communication is critical, not only between siblings, but with your parents as well. Ultimately, this is about them and ensuring their needs and wishes are met.

When issues arise, deal with them right away; don’t let them fester. Understand that disputes will arise and this is normal. This is an emotional time. Just remember that you are not alone and there are resources available to help.

How LiveWell Pathway can help

Whether it’s advice, developing a care plan or providing caregiver support when and where you need it, we can meet your needs. Learn more about our home care services or call us at 1-855-274-2228 .

Preparing for Your Role as a Caregiver

Mon, 14 Feb 2022 21:25:03 GMT

Recognizing when your parents are at a point where they need help to stay safe and healthy can be overwhelming. Figuring out what they need, what options are available to help them, and having the talk with them about getting help can be difficult, especially if they are not ready to accept it. But the good news is you are not alone and there are many resources available to assist you.

Here are some of the most important things to consider when you are facing this reality.

Assess .
Take stock of what your parents really need help with and how much support they might already be getting from family, friends or other services. Consider issues like safety in the home, medical needs, managing finances , cognitive issues, mobility, hygiene, meal preparation and even social contact and interaction. Then assess what can be done by you or another family member and where you might need outside assistance .
Organize .
Gather important documents like wills, power of attorneys, advance directives, tax returns, etc. and note any key documents that might be missing. Create a list of important contacts (doctors, lawyers, accountant, etc.) and medical information (history and medications). Here is an excellent document to help you get organized.
Plan .
Get the family together and create a plan for managing care, dealing with issues or emergencies, managing future decline and handling end-of-life care . Include your parents in this process.
Care for yourself .
Helping your elder parents can quickly become overwhelming and stressful. Adding caregiving responsibilities to your already busy life can jeopardize your own health, affecting your ability to provide the care your parents may need. It’s important that you don’t neglect your own needs at this time and make time for yourself - mentally, emotionally, physically and spiritually.
Get help .
You can’t do this alone. There are many community services you can tap into, including meal and transportation services. Contact the local seniors centre for any programs they might have. And, when needed, there are caregiving services - from in-home care to companionship - available to help.
Communication .
Keeping the lines of communication open is critical for your parents safety, as well as their mental health. Ensure important phone numbers are posted and easy to find and that the phone is easy to access and use. Not only is this important for safety reasons, but regular communication is vital to combat isolation and loneliness - a serious issue for many seniors. You might also consider a wearable medical alert device for extra safety.
Safety .
Finally, ensure that your parents’ home is safe for them . Check for trip hazards as mobility, balance and eyesight might affect their ability to navigate around the home. Pay particular attention to bathrooms, which pose greater risks for falls and install hand rails where needed. Keeps floors and walkways clear of clutter and ensure there is proper lighting throughout the home.

And one more final recommendation…add a little spontaneity to the situation! Do something with your parents that is unexpected and fun, something outside of caregiving. These are the moments that you will remember best and most fondly.

And as always, we are here to help whenever you need it - whether for care or simply some advice. Contact us today .

This Christmas

Fri, 17 Dec 2021 16:32:09 GMT

As we come to the end of another year in the midst of a pandemic, we want to take a moment to thank all our wonderful clients for navigating through this difficult time with us, for trusting in us and for allowing us to share in the care and welfare of you and your precious loved ones. Now, more than ever before, we understand the need and the importance of taking care of our most vulnerable.

As we reflect back on another challenging year, we want to wish you and all your loved ones a healthy and happy holiday season, a Merry Christmas and a Happy New Year.

Celebrate Life

This Christmas it’s more important than ever to celebrate the positive, especially with our senior parents and loved ones. While we gather together with family over the holidays, safely, let’s focus on celebrating the life and experiences our elders have had and the joys of the many Christmases past. We’re all feeling more vulnerable and stressed these days, and this is especially true for seniors. So keep the conversations positive, joyful and non-pandemic related this holiday season. We can all use a smile and a laugh.

Appreciate Your Loved Ones

Let’s also make sure to appreciate all of our loved ones this Christmas. Not just our parents but also our family and friends that are helping us through these difficult times. And especially those who are caregivers to our loved ones. This can be a challenging role for many and it’s so important to acknowledge and appreciate the efforts and sacrifices they make to ensure our loved ones are cared for.

Gratitude

And finally, let’s all be grateful for another year passed. Grateful for our family. Grateful for our friends. Grateful for being able to gather together again. Although we are not out of the woods yet and the news changes daily, we can still find joy in life and in each other.

What are you grateful for this holiday season?

Celebrating Grandparents this Thanksgiving

Mon, 04 Oct 2021 14:18:19 GMT

As we enter our second pandemic Thanksgiving, one thing we can all be thankful for - at least here in Ontario - is the loosening of restrictions on indoor and outdoor gatherings.

While last year had many of us celebrating Thanksgiving without our parents and other family members, this year will be different. As more of us are vaccinated and restrictions easing, we can once again have family over and grandparents can hug their grandkids.

The pandemic has taken its toll on all of us but seniors, especially, have suffered greatly from isolation from family and friends. As we get older, connecting with our families and friends becomes more important, especially for our mental and cognitive health.

Isolation and loneliness can have significant impacts on both physical and mental health in seniors. Eating and exercise habits are affected that can result in heart disease and other chronic issues. Depression can set in and studies show an increased risk of dementia in seniors that suffer from loneliness.

And being separated from grandkids is especially hard. There is a special bond between a grandparent and grandchild that is somewhat unique to our species. Many grandparents have made a significant investment in their grandkids from financial resources to babysitting to emotional support.

For children, grandparents help to give them a sense of history and traditions. This connection can also help to build a child’s self-esteem and stronger social skills, as well as better emotional stability.

For seniors, grandkids help them remain active and connected to society. And this in turn can help them stay healthier, both physically and cognitively. Studies show that taking care of grandkids once a week can help women lower their risk of developing Alzheimer’s or other cognitive diseases.

So let’s take time this Thanksgiving to honour that special bond between grandparent and grandchild and to not take each other’s company for granted. If this pandemic has taught us one thing, it’s that time with family is precious.

Let’s still remain vigilant, however, and limit our gatherings as much as possible to keep our more vulnerable population safe.

And if you need help with grandma or grandpa over the holidays or have questions on how to manage gatherings with them, don’t hesitate to give us a call . We’re here to help.

End-of-Life Planning

Sat, 31 Jul 2021 19:42:02 GMT

Do not leave your end-of-life care to chance.

The best time to think about your end-of-life care options is when you are well and able. When you are unwell or mentally incapable, you will not be able to plan and sign the appropriate legal forms or appoint a Substitute Decision Maker (SDM). Advanced preparation will ensure that all your wishes are known to your SDM, caregivers, family and health care providers.

It’s not something we like to think about, but by doing it now, you ease the future burden of decisions that might have to be made under difficult circumstances by those who love and care for you.

Medical emergencies can occur at any time and leave you unable to make decisions for yourself. For example, a motor vehicle accident, stroke, heart attack, cancer, etc. Your advance directives will assert your right to choose what you want or do not want in the way of medical treatment and care should you not be able to make decisions yourself. It will assist and relieve your loved ones who are responsible for your care in selecting your treatments and help family members understand and support the decisions you would have made for yourself.

This gives you your wishes at your death and avoids aggressive, life prolonging medical interventions you may not have wanted. You may have a specific medical condition, for instance, for which you do not want all available treatments. An advance directive ensures your wishes are met.

Where are you in your health journey? Speak with your doctor, specialist or your health care giver seriously about your situation and your wishes.

Our focus at LiveWell Pathway is to intentionally encourage, support, and empower our clients and senior groups in leading a meaningful, purposeful life. And to assist in developing personal growth to become confident, prepared people who will and can make care decisions for themselves and be prepared when they cannot.

In your end-of-life plan, consider your values, beliefs and preferences for future healthcare, the types of medical treatments you want and do not want. and whom you would like as your Substitute Decision Maker. We recommend it to be someone who knows you well, who will respect your beliefs and values, and whom you trust to carry out your wishes.

Be comfortable and prepared so that your end-of-life care is on your terms.

I have told my loved ones all I want them to know, say and do with me at my end-of-life.

Decide now how you want people to remember you and treat you in the end.

For more information about end-of-life planning, get in touch with us today.

Having the Talk - Parents and Aging

Thu, 17 Jun 2021 18:12:39 GMT

As we watch our parents age we see them starting to need more help with everyday tasks, from shopping to paying bills, house cleaning to personal care. No one likes addressing these situations - whether it is getting mom some help to tidy the home, suggesting it might be time for dad to give up his driver’s license or the dreaded discussion about moving to a retirement home.

While these discussions are hard, getting our parents to accept help is a challenge we must not procrastinate against. Why? Because it does not go away, and will only get worse.

Avoid a crisis

Talking to your parents about aging and lifestyle changes, while hard, is better done before a crisis hits.

Life is a process. And that means you don’t have to resolve everything in one sitting. Let the aging discussion be a series of conversations.

Listen before you talk, ask open ended questions about how they are doing and what concerns they may have, and how it affects them. Really listen to what your parents are saying, their fears, their concerns. Ask for clarification if what they are saying is not clear. Listen to what ideas and solutions your parents have thought about or are open to.

It's about your parents

Remember, these decisions are ultimately about your parents, not just you. Listen to their needs and think about how you can or will address them.

Your mom and dad only know their home and the community they have lived in, likely for a very long time. Often, therefore, there is a desire to remain in their own home and amongst friends. Start with discussions about getting help around the home, such as rails in the bathroom, decluttering the house, etc.

Do not let finances or guilt get in the way of their care. There are many options for financing these changes, particularly if they own their home. Give them what they deserve.

Your parents will challenge you, but start by pursuing small wins. Do your homework before you begin. The more information you gather by talking to other seniors, friends, social workers or your doctor, the better you will be able to address any fears and concerns your parents may have. Present them the facts as options. It is very important to value your parents autonomy as well as their safety and cognition. They are adults and ultimately decisions about their lives are up to them or their Power of Attorney (POA).

10 Helpful Tips for Talking to Your Parents

Have an outline of your thoughts and approach the conversations from their safety, freedom and peace of mind, their social connection and being able to make choices. Keep an open mind and listen to what they are saying and what they mean.
Be considerate and respectful. Walk for a moment in their shoes. Let them know that you care about how they feel.
Be a good, compassionate listener even if you do not agree with what they are saying. Take a more active role in their life.
Involve everyone in the family who should be there. Find a quiet, calm and familiar place where you can focus on the conversation.
Practice your ideas with someone who is impartial, e.g. a social worker or a counselor.
Use conversation starters to ease into the subject . Start with a casual conversation then build on what they are saying to a more decision focused conversation.
Give them compliments on what has worked well for them so you can learn from them. Be honest with your parents; tell them of the changes you are seeing and what they are telling you, e.g. frequent hospitalizations.
Give them suggestions on possible ways to deal with their challenges. Lend your support, letting them know you will be there for them and will be around more to help them transition.
Learn to compromise honestly with them. Ask them what commitment they will need from you to help make the situation easier and better managed.
Show your parents love, caring, touch. Do not hide your love and emotions from your parents. Let them see your heart through your actions, tears and love.

Looking for more advice on having the talk with your parents about their aging needs or need support and resources? Give us a call today . We’re here to help.

Options for Financing Your Retirement

Thu, 28 Jan 2021 21:13:37 GMT

"People can't do anything about growing old because it's one of the most natural things in the world, but one thing you can control, though, is how you'll live your life once you're old enough to retire."

Adrian J.Williams, Retirement: The Ultimate Retirement Planning Guide!

There’s a lot of great advice packed into the above quote. You control your retirement by advance planning. Retirement should be part of your financial planning as soon as you enter the work force as an adult. In other words, you want to start saving for retirement long before the reality hits. And it comes upon you faster than you think.

However, you may have a job that only pays enough to meet your monthly bills. Your housing costs, car payments and child expenses could very well be high and extra money for retirement savings realistically is not easy to find.

So, what are your options for financing your retirement if you do not have a solid work pension and you’ve not got a solid savings buffer? There are options available. Let’s take a look at them.

Government Pension Income You’re Entitled To

If you’ve been working regularly throughout your life, as a Canadian citizen you are eligible for monthly payments from your CPP or Canada Pension Plan. The amount you receive depends on how consistently you worked, your yearly earnings and your contributions and/or employer contributions to the plan.

In 2021, the maximum CPP monthly payout is about $1203 per month. However, the average CPP for 2020 was much lower, only about $689 per month. This is because not everyone contributed enough to receive the full CPP payment. As well, at age 65 you are eligible for Old Age Security which contributes about $613 per month.

So, the average person in Canada receives about $1309 per month if they have no work pension and zero retirement savings. That amounts to a yearly income of $15708 which is well below poverty level .

Government Pensions are not Enough to Retire Comfortably

Many people think that when they retire, they’re expenses will be significantly lower. In reality, this is just not the case. Many people reaching retirement age still have a mortgage and often have dependent children still in postsecondary school likely needing financial assistance. Wardrobe costs and gas expenses as well as food and snack costs will likely be lower but most other monthly expenses will remain unchanged, especially in the early years of retirement.

If you have adequate savings including RRSP’s, then using those sources of income are your best option for living comfortably. Your savings, including tax free savings accounts, do not have income tax ramifications. When you deduct from RRSP’s, you do pay income tax on those withdrawals but ideally when using RRSP funds, your income is lower so your tax bracket is lower. But…what if savings and/or RRSP’s are not an option for financing a comfortable retirement?

There are some options available to you:

A home equity line of credit or HELOC
Downsizing and using proceeds from the sale of your home sale to finance retirement
Reverse mortgage

HELOC

A HELOC is a loan based on the value of your home. Your home becomes collateral for the loan in case repayment is not possible. Lenders will loan you up to 85% of your home equity. That means if you are mortgage free, you are eligible for a HELOC up to 85% of your home’s appraised value.

Interest is usually variable, meaning it can change as interest rates change. However, it does have advantages in that it can be used, repaid and used again. You only pay interest on the funds you have used.

A downfall of this loan is that you must qualify for it. Income and your credit score will affect how the bank evaluates your ability to repay your loan. The reality is many retirees will not be able to qualify for a HELOC.

Downsizing

Downsizing and using proceeds from the house sale to finance your retirement may be a sound option. If you were planning to sell to acquire a smaller, more manageable housing option or you want to move closer to family this might be a great solution to free available funds for retirement.

However, you must take into consideration what will be needed to finance your housing alternative. Equity that is left over could potentially provide adequate funds, if invested wisely, to maintain your standard of living.

Reverse Mortgage

A reverse mortgage is often considered a means of last resort to finance your retirement. There are only two lenders in Canada who provide reverse mortgages: Home Equity Bank and Equitable Bank. Without adequate savings and if downsizing is not an option or you wish to remain comfortable in your own home, it is an option for any homeowner aged 55 or older who is ready to retire. Interest rates are much higher than HELOC’s and depending on the value of your home you might not get an income you were hoping for but there are advantages to this strategy:

You are able to age in place and your home continues to appreciate
You can borrow up to 55% of your home equity; income and ability to repay do not factor into your eligibility to qualify
Funds received are not taxable
Funds can be used however you like you only need to maintain house insurance, pay property taxes and bills related to house maintenance
No repayments are required until the home is sold or the borrowers die
Pay back involves the original borrowed amount plus interest which often still leaves some equity in the home because of appreciation
If your home should lose value, the lender takes the loss

For many struggling seniors, the reverse mortgage is the best or only option available to a comfortable retirement.

So Now You’ve Retired…What are Your Living Options?

If you are still a relatively vibrant retiree, then living in your own home is by far the best option from both a financial and a comfort level point of view. You still have your health and your friends. Travel is likely still on the table. If you are able to comfortably manage all the costs associated with your particular living arrangement, then staying at home is the best option.

As your health declines, it may be time to look at your housing situation. Home ownership requires maintenance. Lawns need cutting, gardens need attention. Inside the home, regular cleaning and maintenance are issues that must be attended to. Bills need to be paid. When those things and meal preparation become cumbersome or too difficult then it is time to revaluate your living circumstances.

It is possible to stay at home and pay for in-home care. OHIP can cover some expenses if you qualify but they only cover expenses related to bathing and dressing. Meal preparation, home maintenance and finances must be covered by other means. Your power of property, often a close relative will likely take care of your finances and perhaps repair issues as they come up. A house keeper can be hired for weekly home cleanliness needs.

Personal care workers (PSWs) can be hired to prepare meals, take you to appointments if driving is an issue and make sure you are taking your medications regularly. They can provide companionship as well if you are house bound.

Staying in your own home is likely your preferred scenario. It is familiar. Change is hard as we get older. Especially if you have loved ones close by who can visit regularly, staying at home is likely the most comfortable solution and the least expensive or at least comparable to a retirement home.

Many retirement home rental prices begin at around $3000 per month but extras like bathing help, medication monitoring, daily housekeeping and memory help are extra. Prices for those who require more care rise to $5000 per month or more.

Home ownership has costs associated with it. Heating and cooling; electricity, water and yearly property taxes and house insurance add up. If you still have a mortgage then your expenses are even higher. However, even if you require daily assistance from a PSW, the costs of staying home can be lower. And the benefits to peace of mind and limiting cognitive changes that arise in some seniors often magnified by the stress of moving are priceless.

If you are at that point in your retired life where you feel you need help with meals, light housework and getting to and from medical appointments, get peace of mind and reduce your stress level by contacting LiveWell Pathway. We have well trained, professional workers who will treat you like family.

Read more about LiveWell Pathway Services .

Retirement Planning is Essential for Peace of Mind

Wed, 21 Oct 2020 15:54:32 GMT

Like taxes and death, advancing into our senior years is inevitable. Planning is key to a successful transition. However, just like many put off creating a will to make sure their estate is properly handled after death, so many individuals refuse or overlook planning for advancing age.

There are many considerations as old age approaches. Health concerns multiply for most of us as we creep towards our seventh and eighth decades. Some of us will face serious health concerns, including severe cognitive decline, even earlier.

Here are some alarming statistics to consider (HOOPP, 2018) :

On average, the retirement assets for those ages 55 to 64 is just $3,000
24/7 care by professionals costs around $200K yearly
Assisted living in a private facility runs between $40K to $100K annually depending on services, location and amenities available
Government run nursing homes are subsidized but will likely still cost the resident between $25K and $40K yearly, especially if semi-private or private accommodations are desired
If you require personal support workers (PSWs) for part of the day so you can remain in your home, those services can run up to $25k or more per year
13.2% of women are likely to be financially wiped-out by age 85 because of long-term care costs; 6.1% of men face that same fate

For the past 10 years, nursing home care has been available only to people with very high care needs. Ontario developed an aging-in-place strategy providing funding for care at home. The result is that seniors are encouraged to live at home for as long as possible which is likely in their best interest; however, there are costs associated with this model that likely need to be covered by the individual.

PSW support for anything other than dressing and bathing are not covered through OHIP and the extra support many require for meals, house maintenance, grocery shopping and doctor’s visits can be costly.

Considering that only about one-quarter of Canadians account for these costs during their retirement planning (HOOPP, 2018) , many will face serious hardships when they need these services. Hard choices may have to be made between buying nutritious food and home maintenance vs affording medical care and lifesaving drugs.

Planning for eventual long-term care should be part of everyone’s financial planning. And it should begin early. Many spend more time planning and saving for vacations rather than considering long-term care needs in old age. Many seniors are living well into their 80’s. It is a grey area even for financial planners to predict the costs associated with advanced age. Following the six steps below is a great place to start:

Make sure you create a will. This will protect your assets for your heirs but as well, ensures your needs are met when you can no longer speak for yourself. It is imperative that both a Power of Property and a Power of Health are completed with your will. If you have children, you can designate one or all of them on these documents. A Power of Property is there to make sure your financial matters are taken care of. Your Power of Health ensures you have someone who can speak for your health concerns when you can no longer advocate for yourself. Choose individuals for these roles wisely. Many seniors have been wiped out financially by relatives designated as their Power of Property. Although it costs money, an accountant or lawyer can also be designated in these roles if needed.
Determine your expenses several years before you retire and look at what can be eliminated after retirement. Deposits into RRSP’s can stop. Gas expenses will likely be less as work commutes are done. Car insurance costs go down slightly after retirement; trips to the coffee shop during commutes will likely be less. Other expenses can also likely be eliminated depending upon your current lifestyle.
Work to eliminate your debt before retirement. Multiple car loans, lines of credit and even your mortgage should be eliminated before you retire. Payments made on loans can then be redirected to your retirement savings portfolio sooner rather than later.
Save money through an RRSP and/or TFSA’s For baby boomers, RRSP’s should have been started early on in their working careers. It was and still can be a great income tax savings measure and is a great vehicle for supplementing any pension plan you might be receiving. When you withdraw money from RRSP’s after retirement, your income is less so the income tax you pay is also less. TFSA’s are becoming more popular Income tax has already been paid on these funds so when you withdraw from these accounts no tax is owing. You can have TFSA’s that are invested in mutual funds for better investment value over the long term.
Look at a second career based on your interests or a loved hobby. Many seniors retire in their mid-50’s and still have a desire to work and earn money. Engineers may be able to offer services as a consultant and pick and choose jobs they are interested in. A hobby can become a joyful source of income when your job is no longer an obstacle. Investigate opportunities and use the earned income for bolstering your investments for your long-term care needs and for affording those well-deserved vacations without dipping into investments that may very well be needed to support you in old age.
If you have not been able to save for your retirement for whatever reason there are still options but all come with risks. They can provide a quick source of cash but if they cannot be repaid you might lose your home. In the case of reverse mortgages, there are very stringent restrictions and even though you do not need to repay until you die, interest accumulates which can seriously deplete the value of your home. Learn more about these options below and talk to us to help you sort through them.
Home equity loans
Reverse mortgages
Refinancing your home
Second mortgages
HELOC’s or home equity line of credit
Government sources of retirement income include old age pension and CPP

Preplanning for the future is always the best strategy for ensuring all needs are met when tough choices on care need to be made. After retirement, we want to enjoy the fruits of our long labours by traveling, entertaining and exploring our passions. Good financial planning is necessary to achieve this lifestyle after retirement. Start early. Keep your debt load manageable at all times and have saving for your retirement and long term care part of your strategy as early as possible.

If you or your loved one own a home but are short on funds to pay for home care, LiveWell Pathway can help. Get peace of mind and reduce your stress level by reviewing your financial options with us our trusted mortgage professionals at LiveWell Mortgage Plus .

Seniors and Maintaining Good Nutrition

Wed, 09 Sep 2020 17:36:30 GMT

Do you remember when you could eat almost anything and not gain weight even without an active exercise plan? Oh, those were definitely sweet times. For some of us, those days ended shortly after puberty. For others, weight gain did not become an issue until our mid 30’s.

All of us will eventually come to realize that diet and exercise needs change as we age. What worked in our younger years no longer is effective. For seniors, this is especially true. Nutrition is vitally important for staying mobile and healthy for as long as possible.

Eating well is important not only for a strong body. It is also important for a strong, well-functioning mind.

Malnutrition is a Serious Issue

“You are what you eat.” It’s a pretty famous phrase. Usually it’s associated with overeating and obesity. Especially for seniors, it can apply both to overeating and undereating or malnutrition.

Seniors are less mobile as time progresses. They are less likely to participate in high cardio activities like sport and bicycling. As activity declines, caloric requirements go down. Eating too much puts on the pounds faster and those extra pounds in turn are hard on joints making mobility even harder and the cycle of weight gain is established.

Other seniors, however, suffer from lack of motivation in making healthy meals. The ability to shop for and cook well-balanced meals can be a real problem in maintaining health. A number of factors are at play here:

driving becomes difficult or impossible because of medical concerns
motivation to cook declines because of depression or other medical factors

For these seniors, low weight, equally as hard on the body and mind, becomes a health threat.

It is interesting to note that 45% of Canadian patients who enter a hospital are either moderately or severely malnourished. For these patients, the factors that were most important in being malnourished were:

having more diagnoses on admission,
relying on adult children for grocery shopping
and living alone

All of these factors are found commonly in senior patients.

Seniors and Frailty

“Frailty is a growing concern in Canada with our aging population; although frailty can happen at any age, it is most common in older adults and estimated to occur in approximately 25 per cent of persons over the age of 65 years.”— hospitalnews.com

Signs of frailty include:

weight loss,
weakness,
exhaustion

All of these often result in falls, delirium and failure to thrive.

There are a host of physiological, social and economic factors that contribute to malnutrition and resulting fragility:

living alone,
low income,
and disease-related factors such as
dementia,
Alzheimer’s disease,
and mobility issues

The Importance of Good Nutrition

A healthy well-balanced diet is vital to the ongoing independence of seniors. Poor nutrition results in a huge host of negative health consequences:

weight issues
lowered immunity
cognition problems
weak muscles,
weak joints and bones

All the above health issues in turn make it harder or impossible for seniors to self-care including shopping for and preparing their own meals.

It is often thought that seniors need fewer calories as they age. While it is true that activity levels do tend to decline with age, it is important to note that both hormonal and lifestyle changes make certain nutrients and vitamins even more important to maintain in adequate amounts in the senior diet.

Here are some key nutrients vital to maintaining health and vitality in seniors:

Omega 3 is a fatty acid important in brain function and to reduce inflammation; fish, nuts and seeds are common food sources.
Calcium is vital for bone health and lack of calcium can result in osteoporosis leading to weak bones and high risk of bone fracture; milk, cheese, and yogurt are common dairy sources while fortified juices, soy and almond milk are common non-dairy sources.
Fiber is important for gastrointestinal health ensuring digestive material moves smoothly through the gut reducing bloating, constipation and diarrhea; whole grain bread, brown rice, fruits and vegetables are excellent sources.
Vitamin D is important for calcium absorption and a healthy immune system and is said to play a role in cancer prevention. It is manufactured by the body by exposure to sunlight but as many seniors (and Northern hemisphere residents in general) are often unable to get enough sun exposure, supplements are recommended as well as the consumption of fatty fish, cheese, egg yolks and fortified products.

Eventually, Help with Their Nutritional Needs will be Required

Paying particular attention to the specific nutritional requirements of seniors is vital for keeping them physically and cognitively healthy as long as possible. However, most seniors will eventually require assistance in maintaining a healthy diet. Family members will likely be called upon to help with grocery shopping, meal planning and perhaps eventually cooking of meals.

Many of us caring for elderly parents or relatives are still working and supporting children. Remember, help is out there if you or a loved one needs help with grocery shopping, meal planning or cooking meals. LiveWell Pathway can professionally address all of your concerns and help provide a care plan.

See our website for the excellent Home Care services we offer to help you or your loved one stay at home longer with specialized care partners helping with meal planning and food preparation.

Alzheimer’s Disease and Dementia – Are They the Same?

Mon, 17 Aug 2020 17:21:52 GMT

Consider the following: You go shopping and park your car. Your mind is focused on your shopping tasks. What stores you need to visit and what purchases you need to make. Perhaps you’re in a hurry. The car is finally parked and you rush into the shopping centre.

A few hours later, exhausted and arms full of purchases, you exit the door you entered, look out into the crowded parking lot...and draw a blank. “Where did I park my car?” You look in all directions. You frantically search your mind and come up empty. Do you look foolish and go out hunting for your elusive vehicle? Or do you go back in the store, sit down and think some more.

This scenario has played out for many people. The first thought for many of us is, “Is this the first sign of dementia or Alzheimer’s disease?” Many of us will hit the internet and read up on both.

So what is dementia? What is Alzheimer’s disease? Are they one in the same? The answer is both yes and no.

What is Dementia?

Dementia is an umbrella term describing changes in mental function that make daily activities difficult. A group of cognitive symptoms are common to people with dementia:

decline in memory and reasoning skills
increased confusion
loss of visual and spatial skills
difficulties organizing thoughts

A number of behavioural symptoms are also common to people with dementia:

crankiness
agitation
lack of self-control
poor judgement
wandering

Finally, there are a number of psychological symptoms common in dementia:

restlessness
withdrawal
mood swings
depression
hallucinations
delusions

Causes of Dementia

Dementia can have one cause or many. Parkinson’s disease, Lewy Body Dementia, vascular dementia, and Alzheimer’s disease will cause progressively worsening dementia symptoms in patients. Mineral and vitamin deficiencies and drug interactions can cause temporary dementia that can be reversed with proper treatment.

What is Alzheimer’s Disease?

Alzheimer’s disease is the leading cause of dementia. It actually accounts for about 60% of dementia cases in seniors. It is a degenerative, irreversible brain disease that follows cell damage. There are two changes thought to cause this disease – plaques and tangles.

Plaques are deposits of protein fragments called beta-amyloid that build up in the spaces between nerve cells.

Tangles are also protein but are twisted fibres called tau that build up inside of nerve cells.

Both of these abnormal deposits are thought to block communication between nerve cells. Life processes are disrupted and eventually brain cells die.

Stages of Alzheimer’s Disease

Early stages of Alzheimer’s are due to the increasing lack of communication between nerve cells. A person will experience more difficulties remembering new information. This disease seems to affect the hippocampus, the brain region which is the centre of learning and memory. The brain cells in this region are often the first to be damaged. A person at this stage can still function at work and live comfortably at home.

As the disease progresses symptoms continue to worsen. Disorientation and confusion make day to day living harder. Behavioural changes become much more pronounced and more assistance is required for daily tasks and management of household matters like finances and food preparation.

Eventually, cell death leads to difficulties speaking and swallowing. Walking becomes difficult. At this point family members will likely require outside help to manage their loved one’s increasing care needs.

So What’s the Difference?

Alzheimer’s disease is a fatal condition that always comes with dementia, but dementia isn’t always caused by Alzheimer’s disease. Alzheimer’s is caused by specific protein deposits in and around brain cells. Other forms of dementia are caused by brain damage, some strokes or genetic diseases like Huntington’s chorea. Often people will suffer from dementia symptoms that have more than one underlying cause.

Risk factors for most forms of dementia include family history and genetics. These factors can’t be changed. Risk factors like smoking, poor diet and lack of exercise can be changed for the better to reduce the risk of acquiring dementia of any kind. Constantly challenging your brain is also a positive exercise to reduce the risk of cognitive decline.

Are Alzheimer’s and Other Dementia Illnesses Inevitable?

Dementia, including Alzheimer’s disease, is not a normal part of aging. While most seniors experience some forms of memory loss and mild cognitive decline, dementia and Alzheimer’s are not inevitable . Many seniors live well into their 90’s with high cognitive functioning.

Preparation, however, is Key

Preparation for dealing with all forms of dementia is vital. It is hard to say who will get it and who will not. Seniors that have a strong social network are less likely to suffer and if symptoms begin they will be recognized sooner. There are drug therapies that can slow the progression but early diagnosis is vital to prolonging a productive life.

Get a cognitive test done as soon as you suspect your loved one is showing signs of mental decline. Having a baseline cognitive test is so helpful in determining how fast changes are happening.

If dementia is diagnosed, prepare a care plan in advance of severe decline. At some point you will need outside help to cope with the changing symptoms your loved one is experiencing. Having the person affected be part of the discussion early will make it so much easier when difficult decisions need to be made.

Do I Have Dementia?

So...are you suffering from dementia because you can’t remember where you parked your car in a crowded parking lot? Likely not. When your mind is focussed on shopping you often park and walk away without paying attention to exactly where you are. If you can pick out a landmark when you park and then remember where you left your car, you can rest assured you don’t have dementia… at least for now .

Remember, help is out there if you or a loved one show real signs of dementia or Alzheimer’s disease. LiveWell Pathway can professionally address all of your concerns and help provide a care plan.

See our website for the excellent services we offer to help you navigate the challenges of Alzheimer’s disease.

Pros and Cons of Caring for Your Loved One at Home During COVID-19

Fri, 24 Jul 2020 14:03:52 GMT

Baby boomers are the sandwich generation. We are just retired or have just a few years left. Many of us still have kids at home or in post-secondary school. And most of us have one or both parents who need our care. We are sandwiched between dependent children and dependent parents. It is a heavy load to bear.

Our parents are important to us. Thankfully, there are a number of options for senior care. Long term care facilities are available for your loved ones if care needs are extreme. Dementia and extreme medical concerns are hard to manage.

Even so, increasing numbers of families are opting to care for their elderly loved ones at home. The recent pandemic and the large number of viral outbreaks in long term care homes have made home care the logical choice for many families.

Caring for the elderly at home, however, is not a choice that should be taken lightly. The responsibilities are huge. The present environment of the COVID-19 pandemic is creating even more challenges for home care.

Home Care and COVID-19

According to Health Canada , the COVID-19 virus increases the risk of more serious illness for Canadians who:

Are aged 65 and over
Have compromised immune systems, or
Have underlying medical conditions

The elderly fall under all of those conditions so they are at extreme risk.

Pros and Cons of Home Care During COVID-19

There is the good and the bad regarding home care for the elderly during this pandemic. Let’s face it, a pandemic is super stressful for everyone. There is lots of uncertainty. Even pharmacies were doling out prescriptions only one month at a time just in case they ran into supplier issues.

We all want what is best for our older loved ones. But there are some serious considerations to look at when making the choice of keeping them in their own home or choosing a long term care facility.

Let’s look at the positive first:

You can choose care methods that both you and your loved ones prefer. This also allows more independence in providing for their essential needs and demands.
It has the distinct advantage of giving you quality time with your elderly loved ones while caring for their daily needs.
With familiar surroundings, they don’t have to adapt to changes in their environment and learn to communicate with the variety of people assigned to care for them.
You can still have access to social service support when you need it.

There are however, a number of negative aspects to home care:

It can be difficult to cope with the difficulties of caring for an elderly individual if you live away from relatives or other family members that could provide assistance.
There are other areas to look into aside from the physical care and assistance provided:
housekeeping,
shopping,
assistance in grooming or bathing,
taking care of their finances
You might need to modify the features and arrangements within the house in order to make it more convenient for you to provide their care.
You are still responsible for managing your own household and may contract the virus unknowingly meaning you could unintentionally infect your loved one.
Making sure you have the required personal protective equipment (PPE) is expensive and not always possible. Health care workers often have difficulty getting access to such equipment.
Following all safety protocols like wearing PPE, washing your hands and your loved ones, sterilizing surfaces you’ve had contact with, making sure your loved one stays home and does not wander if they are alone for parts of the day are exceedingly worrisome and provide a great deal of stress.
Most programs for seniors are closed during the pandemic. They cannot have visitors or go visiting friends so keeping them stimulated from lack of social contact is hard when you can’t be there 24 hours per day.
Access to the extra social service supports is more difficult during the pandemic as these agencies must follow social distancing and safety protocols also and may be short staffed.

A Care Plan Compromise

For most families, family provided care paired with professional care from a reputable service offers the best plan. Family members must make sure they do not suffer from burnout. Many caregivers are still working and many have children they are supporting. A combination of family support and professional care can provide the best solution for allowing their loved ones to remain in their own home as long as possible.

LiveWell Pathway Private Home Care Services Can Help

Fortunately, LiveWell Pathway can provide services that can help you during this trying pandemic to keep your loved one comfortable at home. We are there for all of your needs if you find overwhelm taking over. And we have ensured safe practice during this pandemic by adhering to all Health Canada regulations and suggestions.

We understand your very valid concerns. It is scary trusting other people taking care of your loved ones. Will they wear PPE to keep them safe? How can my loved ones be kept mentally stimulated during this time of social isolation? Can they keep their medical needs met when seeing doctors is not always possible and phone consultation is not enough?

LiveWell Pathway can professionally address all of your concerns. We provide:

Read more about all of our available services.

Get peace of mind and reduce your stress level by sharing the responsibility of caring for your loved ones with well trained, professional workers at LiveWell Pathway who will treat them like their own family.

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