The Press Newspaper
Maintaining independence is a goal for many older adults. The idea of moving in with family or to an assisted living facility can be unsettling for some.
But the relief is short lived when you consider the magnitude of this problem. If grandma doesn’t always hear the telephone, what reassurance is there that she would hear the smoke detector if she were sleeping? And if she doesn’t hear the doorbell or knocking at the door would she be aware of an unwelcome intruder who gained entrance through a window?
Before you become too depressed at the gloominess of the situation, consider some of the technology available to offer assistance.
We’ve all seen the commercial for “Help… I’ve fallen, and I can’t get up.” The personal emergency response service, which goes by several names including Lifeline, Life Alert and Senior Safety, responds to any health or safety concern, not just falls. Available 24 hours a day, 365 days a year, subscribers press a waterproof button that they wear at all times whenever they need to call for help. A close neighbor is usually dispatched to check on the caller. But when a serious emergency occurs, an ambulance is dispatched. Most of the area hospitals offer this service for a $20-30 monthly fee.
For those living alone, good hearing is invaluable for safety reasons. The excuse that you live alone and there is nothing to hear would be true were it not for criminals who prey on the elderly. You need to be able to hear if a window breaks or there is an unusual sound outside.
In 1999, the National Council on Aging found that older people with untreated hearing loss suffer more than those who have hearing loss and use hearing aids. Those who choose not to treat their hearing loss are more likely to report; sadness and depression, worry and anxiety, paranoia, less social activity, emotional turmoil and insecurity.
Have you ever walked up to the closed door of a house and been able to hear every word of the blaring television? Sometimes your entrance startles the homeowner because he or she didn’t hear the doorbell or pounding. TV Ears were invented for those with mild hearing loss who need the volume on the television louder than what is comfortable for others. While wearing a wireless headset, you set your own volume and tone while others listen to the television volume at their own level. However, in the above example, if your television is that loud you probably have more than a mild hearing loss.
There are a variety of telephones available that amplify both the ringer volume and the speaker volume. There are also accessories that can be added to telephones to alert of an incoming call, such as one that causes a lamp to flash when the telephone is ringing. Simply being able to hear the phone will result in peace of mind for your loved ones who call to check on you.
In many instances, declining health issues creep up on us gradually and we may not be aware the extent of our limitations. Loved ones, as a matter of concern, may notice these changes better than the person suffering with the condition.
With advancements in technology, today’s seniors are able to sustain an independent lifestyle longer provided that they use the technology and resources that are available.
While some boomers expected to retire at one of the traditional milestones, such as age 62, the current economy is forcing many of them to re-evaluate their plans. Many are wondering if they should work longer, or how their Social Security benefit – or their spouse’s benefit – would be affected if they continued working.
To help them find answers, Social Security has published a fact sheet, “When To Start Receiving Retirement Benefits.” You can read it online at www.socialsecurity.gov/pubs/10147.html.
As most workers know, your choice of a retirement age – from 62 to 70 – can dramatically affect your monthly Social Security benefit amount.
If you choose to start receiving benefits early, the monthly payments will be reduced based on the number of months you receive benefits before you reach your full retirement age. The rate of reduction will depend on the year you were born. The maximum reduction at age 62 will be:
If you wait until your full retirement age, your benefits will not be reduced. And if you should choose to delay retirement, your benefit will increase up to eight percent a year from your full retirement age until age 70. However, there is no additional benefit increase after you reach age 70, even if you continue to delay taking benefits.
Social Security also has created several retirement planners to help you make an informed decision, including an online calculator that can provide immediate retirement benefit estimates to help you plan. The online Retirement Estimator uses information from your own earnings record, and lets you create “what if” scenarios. You can, for example, change your “stop work” date or expected future earnings to create and compare different retirement options.
To use the Retirement Estimator, visit www.socialsecurity.gov/estimator. Read “When To Start Receiving Retirement Benefits” at www.socialsecurity.gov/pubs/10147.html. For general information about Social Security, visit www.socialsecurity.gov.
Retirement decisions are unique to everyone. Make sure you are up to date with the important information you will need to make the choice that’s right for you.