Legal But Inappropriate Financial Products – By Jennifer L. FitzPatrick, MSW, LCSW-C, CSP

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Like many investors, my Grandmom lost a lot of money in the late 2000s.  It caused her a great deal of stress…and anger.  After losing so much money, she was told by a representative at her bank that if she wanted to earn some of that money back there was a way. 

Click here for a video of the story:  https://www.youtube.com/watch?v=lWBSab0djvM

There was nothing inherently wrong with the product.  But it wasn’t a suitable one for my Grandmom for a variety of reasons.  Maybe it was ignorance on the part of the financial professional.  Or perhaps the financial professional just cared more about making a commission on the sale of the product than serving his client.  While most financial professionals are ethical and knowledgeable, it is critical for older investors and their loved ones to keep their eyes open.  And this is why I recommend the 24 Hour Rule to most older adults.

The 24 Hour Rule means that most older adults should take a day to consider any new “opportunity” to part with their money, particularly when this “opportunity” is presented by someone they don’t know very well.  This includes a new financial product that’s being recommended by a new person.  Or a charity request.  Or lending money to somebody they don’t know very well.   Or buying property… or a vehicle. 

Take 24 hours to talk it over with people you trust.  Sleep on it.  Do some research about what you’re getting into.

Jennifer L. FitzPatrick – MSW, LCSW-C, CSP
The founder of Jenerations Health Education, Inc., Jennifer FitzPatrick has over 20 years’ experience in healthcare and gerontology. The author of Cruising Through Caregiving: Reducing The Stress of Caring For Your Loved One, she is also a gerontology instructor at Johns Hopkins University. She helps you reduce stress and increase productivity, morale and revenue. Jennifer and Cruising Through Caregiving have been featured in Forbes, U.S. News & World Report, The Huffington Post, Reader’s Digest, Univision and The Chicago Tribune. She has also appeared on ABC and Sirius XM.

Does The Patient Have Quality of Life? How Do You Know? – By Jennifer L. FitzPatrick

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Are you the healthcare provider for an older patient?  A family caregiver for an older loved one?  In less than two minutes this video will help you determine if this person has quality of life or not:

Click above video or go to:  https://www.youtube.com/watch?v=r9uRLETJKsw

If your patient or loved one’s daily life revolves around the television, it’s time for a change.  Consider that your patient or loved one may need:

  1. To be assessed for depression.
  2. To move to a senior living community where he or she will be prompted & encouraged to interact with others.
  3. A new home care aide who is committed to engage in meaningful activities with this person.

What else do you think might benefit a person whose daily life revolves around the couch or “that chair?”

Jennifer L. FitzPatrick – MSW, LCSW-C, CSP
The founder of Jenerations Health Education, Inc., Jennifer FitzPatrick has over 20 years’ experience in healthcare and gerontology. The author of Cruising Through Caregiving: Reducing The Stress of Caring For Your Loved One, she is also a gerontology instructor at Johns Hopkins University. She helps you reduce stress and increase productivity, morale and revenue. Jennifer and Cruising Through Caregiving have been featured in Forbes, U.S. News & World Report, The Huffington Post, Reader’s Digest, Univision and The Chicago Tribune. She has also appeared on ABC and Sirius XM.

How Do You Break Unhealthy Promises? – By Jennifer L. FitzPatrick

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Most people don’t make promises with the plan to ever break them. But with good intentions, many caregivers often make promises to their older loved ones that are difficult, if not impossible, to keep. Such promises include statements like:

I will never … put you in a nursing home.
I will never … let strangers take care of you.
I will never … move you out of your home.

Caregivers take such promises seriously. But it’s important that caregivers make peace with the fact that they may not be able to keep these promises indefinitely. When promises like these are made, the caregiver typically doesn’t know what he or she is truly agreeing to. The caregiver had every intention to keep this promise but circumstances changed.

Maybe your older loved one’s dementia is so advanced that she is wandering out of the house each day, putting herself at risk. Since you can’t have your eyes on her at all times, 24/7 supervision at a senior living community or nursing home may need to be considered.

Maybe helping your older loved one bathe after his stroke is becoming too physically demanding for you. In this case, perhaps a home care agency can help. You may resist taking these options into account because of the earlier vow you made to your loved one.

So what do you do if keeping that earlier promise is becoming impossible?

If your loved one does not have memory loss, explain why you are changing course: What have the consequences been to your life by keeping this promise? For example, you may explain to your older loved one that because you are spending so much time helping out at his house, you have been late to work five times in the past month. Then you can discuss options such as hiring home care, a housekeeper or arranging to have meals delivered.

Frequently older loved ones will not be happy with changes they did not initiate, but the caregiver must set such boundaries to avoid burnout. In addition, many older adults do not want to impose on their family members so they will try to understand.

If you have already made a promise and your loved one has cognitive impairment, you may not be able to have a conversation where you can reason with him or her and discuss how the circumstances have changed. But it’s still important to let yourself off the hook. Talk to a geriatric care manager, a psychotherapist, your spiritual advisor or a supportive friend to deal with your guilt. Give yourself permission to reframe your earlier pledge.

Most people, especially older adults, want to remain at home without assistance for the rest of their lives. In an effort to make this dream come true, caregivers struggle with negative emotional, spiritual and physical consequences of trying to honor their loved ones’ wishes at any cost.

While it is admirable for caregivers to respect their loved ones’ preferences, it is critical to understand that many promises cannot and should not be upheld in many care situations. In order to be healthy themselves and provide the best care for their loved ones, caregivers must make peace with the fact that keeping earlier promises is often unmanageable.

If you haven’t made such a specific promise to an older loved one you are caring for, resist. Don’t do it. Instead say, “I will make sure you have the best care I can afford.” Or, “I will keep you at home as long as it is safe for everyone involved.”

While it can be very upsetting to both the caregiver and older loved one, often revisiting caregiving promises is essential. Further, sometimes even breaking those promises is absolutely necessary to ensure the safety and well-being of both the caregiver and the older adult.

Jennifer L. FitzPatrick – MSW, LCSW-C, CSP
The founder of Jenerations Health Education, Inc., Jennifer FitzPatrick has over 20 years’ experience in healthcare and gerontology. The author of Cruising Through Caregiving: Reducing The Stress of Caring For Your Loved One, she is also a gerontology instructor at Johns Hopkins University and an Education Consultant to the Alzheimer’s Association. She helps you reduce stress and increase productivity, morale and revenue. Jennifer and Cruising Through Caregiving have been featured in Forbes, U.S. News & World Report, The Huffington Post, Reader’s Digest, Univision and The Chicago Tribune. She has also appeared on ABC and Sirius XM.

 

 

Understanding Millennial Staff & Patients In Healthcare – By Jennifer L. FitzPatrick

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Unfortunately, stereotyping based on age is not unusual in healthcare.  This is a problem because it’s essential that we treat patients, caregivers and colleagues of different generations with respect.  But do you know how to most effectively treat persons of different generations with respect?  If you are a Gen-Xer, Baby Boomer or Traditionalist, check out this short video on how to better understand your Millennial patients, caregivers and colleagues in the healthcare workplace:

https://www.youtube.com/watch?v=MMMZ62S7Kc4

 

Jennifer L. FitzPatrick – MSW, LCSW-C, CSP
The founder of Jenerations Health Education, Inc., Jennifer FitzPatrick has over 20 years’ experience in healthcare and gerontology. The author of Cruising Through Caregiving: Reducing The Stress of Caring For Your Loved One, she is also a gerontology instructor at Johns Hopkins University and an Education Consultant to the Alzheimer’s Association. She helps you reduce stress and increase productivity, morale and revenue. Jennifer and Cruising Through Caregiving have been featured in Forbes, U.S. News & World Report, The Huffington Post, Reader’s Digest, Univision and The Chicago Tribune. She has also appeared on ABC and Sirius XM.

Tips For Confronting A Risky Older Driver – By Jennifer L. FitzPatrick

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If you have an older patient, client or loved one whose driving concerns you, you are not alone.  Most of us struggle with talking about dangerous driving with older patients, clients and loved ones.  Just getting older involves physical and cognitive changes that can impact road safety.

Check out Jennifer FitzPatrick’s first international radio appearance discussing tips about this issue with Gord Gillies on News Talk 770 Calgary https://omny.fm/shows/the-morning-news-with-gord-gillies/seniors-driving .

 

Jennifer L. FitzPatrick – MSW, LCSW-C, CSP
The founder of Jenerations Health Education, Inc., Jennifer FitzPatrick has over 20 years’ experience in healthcare and gerontology. The author of Cruising Through Caregiving: Reducing The Stress of Caring For Your Loved One, she is also a gerontology instructor at Johns Hopkins University and an Education Consultant to the Alzheimer’s Association. She helps you reduce stress and increase productivity, morale and revenue. Jennifer and Cruising Through Caregiving have been featured in Forbes, U.S. News & World Report, The Huffington Post, Reader’s Digest, Univision and The Chicago Tribune. She has also appeared on ABC and Sirius XM.