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Holiday Gatherings Are a Time to Connect with Family

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Holiday Gatherings Are a Time to Connect with Family

MORNINGSTAR SENIOR LIVING | November 01, 2023
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Holidays, Rooted Blog |
Holiday gatherings are a time to connect with your aging loved ones and have caring conversations about how they can best deal with the challenges of growing older

Whether it’s enjoying great food, exchanging gifts, or listening to festive music, holidays are the season for merry-making and a time of refreshment for the body and soul. It’s also a time to connect with family, especially much loved seniors. Celebrating a holiday in their home can open your eyes to the reality of where they are in their journey of aging. And more importantly, give you an opportunity to explore possible next steps - including moving to an assisted living community - that will help them live their lives to the fullest in the coming years.

Start the conversation about their future with a light topic, then turn to focus on your senior loved one’s thoughts about how and where they want to live in the years ahead. Let them set the pace which will help create a space for a real exchange of ideas. Issues of control and legacy are likely to arise in every conversation. Listen for them and respond with open-ended questions that gently:

  • Emphasize your sincerity to hear and understand.
  • Suggest ways for your loved one to maintain control and dignity.
  • Acknowledge their wealth of experience and wisdom.
  • Position yourself as an advocate for them and their priorities.
  • Unite your family in the quest to find the right solution.
  • Seek more than just facts but work to put them in situational and emotional context.
  • End on an upbeat note that paves the way for the next healthy conversation.

When you are enjoying holiday gatherings with your senior at their home, be observant. While supporting your loved one’s desire for independence, do all you can to make sure they are safe, healthy, and enjoying their lives. With that in mind, keep an eye out for signs they may need a little additional help or are really struggling to navigate the challenges of a changing landscape:

  • Housekeeping – If your loved one’s house looks more cluttered or is not as clean as it once was, it could mean they aren’t physically able to tidy up, dust, or vacuum. Or it could mean their eyesight has deteriorated to the point they can no longer see well enough to clean things up. In addition to an issue of sanitation and cleanliness, increased clutter can pose a serious tripping hazard.

  • Home Environment – Take a look at their home’s layout. Do they have to climb stairs to get to their bedroom or the basement to do their laundry? Not being able to live on one single level can pose a variety of challenges and a danger of falling.

  • Weight Loss or Gain – Loss of appetite can be a sign of a medical problem. Perhaps they are having trouble working the stove, can’t get to the grocery store often enough, or are simply forgetting to eat. Weight gain can also be caused by a medical problem. However, reaching for snacks could be a way of coping with depression. Ask them about their diet and eating habits to understand more.

  • Food – Are you noticing spoiled food in the refrigerator or items way beyond their expiration date in the pantry? These are red flags that could indicate your senior is struggling.

  • Hygiene – Have you noticed your senior has bad breath, body odor, or even sores? It may mean they need help with bathing or daily grooming.

  • Wounds/Medical Needs – If your loved one always seems to have bruises or scrapes - especially on their head - it’s a cause for concern. It may mean they are experiencing falls due to poor balance, missed or wrong medications, or alcohol use. Are you seeing or suspect any other unmet medical needs?

  • Medications – Are there bottles of expired or unused prescription or over the counter medications in their bathroom or medicine cabinet? It could be a sign they are forgetting to take them.

  • Financial Irregularities – Is your senior forgetting to pay bills or keep up with household paperwork? Do they have piles of unopened mail? Have they made significantly unnecessary or unexplained purchases? They may have fallen victim to aggressive salesmen or scammers. It may be time to step in and help with some of their financial matters. Discuss which charities are important to them and ask to have their name removed from the mailing lists of the rest so they can be a better steward of their resources.

  • Forgetfulness and Mood Changes – While only a neurologist can diagnose dementia, unusual changes in mood, like increased agitation, prolonged silences, or uncharacteristic behaviors as well as forgetfulness could point to a loss of cognitive abilities. If your loved one is experiencing any of these symptoms, encourage them to check in with their doctor.

Holiday gatherings are more than just a time to connect with your aging loved ones. They are a time to check in on how they are doing and having caring conversations about how they can best deal with the challenges of growing older.

MorningStar Senior Living — Assisted Living Community


If your loved one lives far from family and friends, it could be time to move into an assisted living community near their adult children where they’ll have the companionship of fellow seniors and a compassionate service team. At MorningStar Senior Living, a 24/7 team is dedicated to offering care and hospitality services that meet each resident’s social, emotional, physical, and spiritual needs.




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COMPANION LIVING

MorningStar offers Companion Living in all of our communities, where two unrelated people of the same sex share a suite, whether in independent living, assisted living or memory care.

Not only does this living arrangement enhance life by its camaraderie, it also extends savings.

REVERSE MORTGAGE

When one partner needs assisted living, and the other partner chooses to remain living in a private home, a reverse mortgage may be a good solution to help pay for increased expenses. Without affecting Medicare or Social Security benefits, reverse mortgages allow a homeowner to stay in the home and withdraw from the equity that the couple has built. Mortgage holders get tax-free cash flow as a loan against that equity, a loan that doesn’t need to be repaid until the house is sold or the owner moves out or dies.

Be sure to vet lenders and their terms thoroughly before making any decision. If you would like to be connected to a trusted, licensed reverse mortgage partner, call 888.228.4500.

SELLING THE HOME

The equity built up in a private home is typically a retiree’s largest asset, making the proceeds from selling extremely helpful when transitioning to a senior community. However, selling a home in a timely manner can be challenging and time-consuming. This is especially true when adult children are not living near to assist.

Many families find it helpful to work with a Real Estate Professional experienced with all aspects of selling a senior’s home. From packing and cleaning to listing and selling, ElderLife’s agents are ready to assist with the entire process to simplify a senior transition. To be connected with a local agent, call 888.228.4500.

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Approach Social Security (SS) benefits tactically. Historically, it was wise to take SS benefits early and invest them. Today, that’s not necessarily so. Maximized benefits may best be found through delayed retirement credits. Depending on your birth year, benefits increase by 3-8% annually. If you wait until age 70 to collect, that monthly check could increase by 25% or more. And a surviving spouse receives the entirety of that benefit upon the worker’s death, making delayed retirement credits even more valuable. Study the new rules to choose your best course.
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Think of Medicare as health insurance for those 65 years and older, regardless of income. While Medicare never pays for assisted living, it is designed to help fund certain postacute expenses in the first 100 days, namely hospitalization and rehab, as long as the person’s health is improving.
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Whole life and universal life policies build a reserve of cash through interest-earning excess premiums (known as the policy’s “cash value”). In some situations, life insurance can be a source of ready funds through cash surrender, death benefit loans, accelerating death benefits, life (or viatical) settlements, or even selling the policy on the open market for immediate cash.

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The IRS allows certain deductions on a federal tax return for the cost of housing and meals of those receiving long-term care in a senior community due to chronic illness or the inability to live alone.

Assisted living residents may qualify for these deductions if a physician certifies that they have been unable to perform at least two activities of daily living (such as eating, bathing or dressing) without assistance for at least 90 days. The same deductions can apply to those who require substantial supervision due to memory impairment.

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LTC policies can be complex and it may be difficult to understand and activate your policy. If you have questions about your Long-term Care policy, call 888.228.4500 to be connected with an expert for a free policy review.

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It’s not uncommon for families to be short on funds when transitioning a loved one into a senior community. The ElderLife Bridge Loan allows you to pay for rent and care in the short term while waiting for other funds to come in. Common financial shortfalls include the time that it takes to list and sell a home, or the waiting period before receiving VA Benefits.

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