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A Safety Net That Might Not Hold

By Michelle Andrews

When Betty Hoff moved into an assisted-living facility in Fowler, Calif., two years ago, the 86-year-old thought she didn't have anything to worry about financially. She had a long-term-care insurance policy that would pay up to $3,000 a month for three years of nursing home, assisted living, or home care. Hoff has severe arthritis and can get around only with a walker or cane, which means she could no longer cook, clean, or do the laundry. But her insurer denied the claim. Hoff wasn't cognitively impaired, and the company said she didn't need help with enough "activities of daily living," or ADLs, to qualify for benefits.

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Flu -- Get the Shot


Each winter, millions of people suffer from the flu. Flu-the short name for influenza-is caused by viruses. Viruses are very small germs. Some viruses can spread easily from one person to another. They cause illnesses or infections like the flu....
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Hyperthermia: Too Hot for Your Health


Irene is retired, she loves to work in her garden. Because she has always spent hours outside, she thinks the heat and humidity of Midwestern summers don't bother her. Then last year an unusual heat wave hit her area. Every day the temperature was ov...
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Crime and Older People


Lucy is worried. She's lived in the same neighborhood for 50 years, but things seem to be changing. Last week, her friend Rose was walking to the store when a young man ran by and pulled her purse right off her shoulder. Two weeks ago, Joe, the man u...
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Nursing Homes: Making the Right Choice


Emma's family didn't know what to do. Her son put grab bars in the shower. Her daughter brought lunch over every day. The neighbors checked in often. But at 82 Emma needed more help. She wasn't able to manage her medicines, and she was having a regul...
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Alcohol Use and Abuse


Anyone at any age can have a drinking problem. Great Uncle George may have always liked his liquor, so his family may not see that his drinking behavior is getting worse as he gets older. Grandma Betty was a teetotaler all her life-she started having...
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Menopause


One cool fall day, Ellen and Sue were watching their teenagers play soccer when all of a sudden Ellen flushed and seemed to be sweating. Sue asked if Ellen was okay. "Oh, it's a hot flash," Ellen said. "This is happening to me several times a week no...
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Why is the topic of senior housing sometimes hard to understand?


It used to be pretty simple.  So long as you were independent, you lived in your own home, or moved to a retirement community.  If you needed a little help with personal care, and your meals prov...
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Falls and Fractures


A simple fall can change your life. Just ask any of the thousands of older men and women who fall each year and break (sometimes called fracture) a bone. ...
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