Cantissimo Senior Living Blog

Cantissimo Senior Living blog - an educational resource for older adults in lifestyle, wellness, and more.

Posts by Pete Keers:

Preparing for Your Next Move: What You Need To Know

Preparing for Your Next Move: What You Need To Know

Moving in your younger years probably meant simply recruiting a pickup truck-owning friend with the promise of pizza and beer. Now past age 50, moving takes on a bit more complexity. It requires forethought and planning to reduce the chance of a stressful experience. In this post, we'll cover four phases for making a move:

  • Planning
  • Downsizing (if necessary)
  • Other pre-moving day preparations
  • Moving day

Getting Started With Medicare: Medicare Advantage Plans

Getting Started With Medicare: Medicare Advantage Plans

 

Some Medicare beneficiaries want more healthcare benefits than Original Medicare can offer, even with Medigap supplemental policies. Medicare Advantage Plans (sometimes known as Medicare Part C) fill this need by providing more benefits for beneficiaries who agree to extra costs and less flexibility.

The Medicare Advantage Alternative

Offered by private insurance companies, Medicare Advantage Plans provide Part A and Part B coverage as an alternative to Original Medicare. Medicare pays a fixed amount to these insurers for each beneficiary enrolled in their plans but requires these companies to follow specific rules. These rules allow the companies flexibility to offer more services. However, to do this, they may handle out-of-pocket costs differently and impose certain restrictions on enrollees.

Getting Started With Medicare: Medigap Plugs the Holes

Getting Started With Medicare: Medigap Plugs the Holes

 

Original Medicare (Part A and Part B) offers many benefits, but it has some "gaps." The most prominent gap is there is no limit on out-of-pocket expenses, which encompass deductibles, copayments, and coinsurance.

Medigap to the Rescue

One way to fill many of these gaps is through a Medicare Supplement Insurance policy (also known as Medigap) sold by private insurers. Medigap policies come in several different versions but must adhere to strict government standards. These standards allow easier comparisons between policies and protect consumers from unscrupulous insurers.

What To Consider When Moving to a New Home in Retirement

What To Consider When Moving to a New Home in Retirement

So you've decided to move. Congratulations! You are about to embark on a great adventure. However, you have many more decisions ahead.

  • Are you moving near to your current home or further away?
  • Are you downsizing, upsizing, or maintaining similar square footage?
  • Are you renting or buying?
  • Are you adding a second home?
  • What about timeshares or fractional ownership?

Moving in Retirement? How To Decide Where To Go

Moving in Retirement? How To Decide Where To Go

As noted in our recent post, Should I Move in Retirement?, there can be several triggers for considering a new home later in life.

  • Retirement
  • An empty nest
  • Health problems
  • Job transfer
  • Living costs
  • Lifestyle choices

Among these, a health situation could urgently drive the question of where to live into immediate focus.

If you find yourself in this situation, the first step is to thoroughly assess your condition and the implications for your living situation. Consulting with medical professionals and family is crucial in this assessment. The result should be a living plan that provides the best support for your healthcare needs.

Should I Move in Retirement?

Should I Move in Retirement?

For many, there comes a time in life around fifty years of age (or later) when the question arises: "How long am I going to live here?"

There could be several possible triggers for this question:

  • Retirement
  • An empty nest
  • Health problems
  • Job transfer
  • Living costs
  • Lifestyle choices

You may find more than one of these triggers comes into play for your situation.

Preventing Falls: Your Mindset Matters

Preventing Falls: Your Mindset Matters

The headline says it all: "Ivana Trump, ex-wife of former President Trump, died from fall: Medical examiner". Found at the bottom of a set of stairs, the 73-year-old victim's cause of death was ruled by the medical examiner determined the cause of death was "blunt impact injuries to the torso sustained as the result of a fall."

The risk of falls for older adults is significant. The Centers for Disease Control reported that in 2018, 35.6 million falls occurred among those 65 and older. Of these, 8.4 million resulted in injuries, and about 32,000 people died from falls.

Hip fractures are a common injury resulting from older adult falls. Over 95% of hip fractures are caused by falling. Women represent about 75% of all hip fractures.

On the positive side, however, those 65 and older can take steps to reduce the risk of falls. Most advice about preventing falls focuses on environmental changes. That's the "outer game." For example, making changes to one's home. Just as important, however, is the "inner game" of fall prevention.