Don’t Transfer Ownership of Your House to Your Kids Before You Read This

With the cost of long-term care (LTC) skyrocketing, you may be concerned about your (or your elderly parents’) ability to pay for lengthy stays in assisted living and/or a nursing home. Such care can be massively expensive, with the potential to overwhelm even the well-off.

Because neither traditional health insurance nor Medicare will pay for LTC, some people are looking to Medicaid to help cover this cost. To become eligible for Medicaid, however, you must first exhaust nearly every penny of your savings.

Given this, you may have heard that if you transfer your house to your adult children, you can avoid selling the home if you need to qualify for Medicaid. You may think transferring ownership of the house will help your eligibility for benefits and that this strategy is easier and less expensive than handling your home (and other assets) through estate planning.

However, transferring your home to the kids is a big mistake on several levels.

It can not only delay—or even disqualify—your Medicaid eligibility, it can also lead to numerous other problems.

Medicaid Changes
In February 2006, Congress passed the Deficit Reduction Act (DRA), which included a number of provisions aimed at reducing Medicaid abuse. One of these was a five-year “look-back” period for eligibility.

This means that before you can qualify for Medicaid, your finances will be reviewed for any “uncompensated transfers” of your assets within the five years preceding your application. If such transfers are discovered, it can result in a penalty period that will delay your eligibility.

For every $6,810 worth of uncompensated transfers made within this five-year window (the current North Carolina monthly divisor), your Medicaid benefits will be withheld for one month.  But, any transfers made beyond that five-year period will not be penalized.

So, if you transfer your house to your children and then need LTC within five years, it may significantly delay your qualification for Medicaid benefits—and possibly prevent you from ever qualifying. Rather than taking such a risk, consult with us to discuss safer and more efficient options to help cover the rising cost of LTC such as long-term care insurance.

A potentially huge tax burden

Another drawback to transferring ownership of your home is the potential tax liability for your child. If you’re elderly, you’ve probably owned your house for a long time, and its value has dramatically increased, leading you to believe that by transferring your home to your child, he or she can make a windfall by selling it.   Read more if you want to know about selling the home after qualifying for Medicaid.

Unfortunately, if you do that, she or he will have to pay capital gains tax on the difference between your home’s value when you purchased it and your home’s selling price at the time it’s sold by your child. Depending on the home’s value, these taxes can be astronomical.

In contrast, by transferring your home at the time of your death, your child will receive what’s known as a “step-up in basis.” It’s one of the only benefits of death, and it allows your child to pay capital gains taxes when he or she sells your home, based only on the difference between the value of the home at the time of inheritance and its sales price, rather than paying taxes based on the home’s value at the time you bought it.

We can help you choose the most advantageous estate-planning strategy to minimize your beneficiaries’ tax liability and ensure they get the most out of their inheritance.

Debt, Divorce, Disability, and Death

There are numerous other reasons why transferring ownership of your house to your child is a bad idea. If your child has significant debts, his or her creditors can make claims against the property to recoup what they’re owed, potentially forcing your child to sell the home to pay those debts.

Divorce is another problematic issue. If your child goes through a divorce while the house is in his or her name, the home may be considered marital property. Depending on the outcome of the divorce, this may force your child to sell the home or pay his or her ex a share of its value.

The disability or death of your child can also lead to trouble. If your child becomes disabled and seeks Medicaid or other government benefits, having the home in his or her name could compromise eligibility, just like it would your own. And if your child dies before you and has ownership of the house, the property could be considered part of your child’s estate and be passed on to your child’s heirs, creating a problem for you.

No substitute for proper estate planning
Given these potential problems, transferring ownership of your home to your children as a means of “poor-man’s estate planning” is almost never a good idea. Instead, with us as your Personal Family Lawyer®, we can help you find better ways to qualify for Medicaid and other benefits to offset the hefty price tag of long-term care and also keep your family out of court and out of conflict in the event of your incapacity or when you die.

We offer an array of estate planning strategies to protect all of your assets, while also enabling you to better afford whatever long-term healthcare services you might require.

Contact us today to learn more.

Call 919-883-2800, or schedule an appointment.

Tax benefits of owning a second home?

Buying a second home can provide you with a place to relax, unwind, and escape from it all. It can also provide you with substantial savings if you take advantage of these tax benefits of buying a second home.

Mortgage Interest

Mortgage interest paid on up to $1.1 million in debt on your first and second homes is usually deductible. Typically, this rule only applies if you treat your second home as a home and not a rental property. But some mortgage interest may still be deductible if you occasionally rent out your second home. To benefit from this deduction under current tax law (it changes), you must use the property for 14 days or more than 10% of the number of days you rent it out a year, whichever is longer.

Tax-Free Profit

You can take up to $500,000 in profit from the sale of a home tax-free if it is your primary residence and you meet the two-year ownership and use requirement. Typically, you do not get the same tax benefit from the sale of a second home. But people have taken advantage of this rule by converting their second home to their primary residence before the sale, thus reaping the tax-free profit.

But in 2009, Congress added a few more restrictions to limit the amount of tax-free profit you can take from a second home. Now, a portion of the profit from the sale of a second home is taxable. The portion is determined by the ratio of the amount of time after 2008 you treated the residence as a second home or rental property and the amount of time you owned it.

Buying a second home can offer many benefits. But to maximize the value of your investment, work with a lawyer to make sure you are not overlooking any potential legal, insurance, financial, or tax problems or opportunities. You must meet other requirements—such as living in the home for two years before you sell it—to take advantage of some of these tax benefits.

A Personal Family Lawyer® can help you ensure you meet the requirements, so you can reap all the benefits of owning a second home.

Contact us today!

Call at 919-883-2800 or schedule an appointment.

They know what I want…

A recent article from Northwestern Mutual says otherwise.

An astonishing 69% of people have not planned and NEVER ASKED the people they expect to provide care for them … those family members who will provide care for loved ones don’t know what is coming!

If they do not know what you want, or that you want THEM to be a part of the decisions, things WILL NOT GO AS YOU HOPE!

Don’t keep your wishes a secret!

Have the conversation with your loved ones about how you want to be treated, and how you want to be cared for as you age.  “Hoping” is not a plan.  “Thinking” about doing something is not a plan.

Take steps today to PLAN.  What should you set up first?

Money Matters

You should have Financial Powers of Attorney planned, completed, and recorded with your county (yes, I know, recording isn’t required anymore … do it anyway).  These powers allow someone to help make decisions for you when you cannot.  For example, paying your bills, making sure your living accommodations are taken care of, and keeping current with taxes.

Does it matter?

You bet!  I had a client a couple of years ago who stopped her auto-withdrawal from the bank for her mortgage.  She suffered from dementia and didn’t trust the bank and thought they were stealing from her.

Guess what?   You probably know … her house was foreclosed on, and she died alone in a nursing home.

What about Medical decisions?

Same thing … you need a Medical Power of Attorney to be sure that someone can make medical decisions when you cannot.  For example, if you have a stroke and need care, what are your planned wishes for care?  No one will know if you can’t speak for yourself.  Proper Medical Documents allow us to help you put your thoughts into writing, so you can speak through your agent.

Don’t delay!  Life can change in an instant!

Do you drive a car?  Then, you are at risk of an accident every minute!
Do you walk around your house or apartment?  Then, you can trip and fall!

I have clients for whom both have happened, with tragic results.

Come see us!

Make the plans.  Powers of Attorney, and Wills and/or trusts.  Then, have the conversation with your family!

We can help with all your needs, including protecting your children!!

Call today!  919-883-2800

Or, schedule a session with us.

Don’t wait!

No, I’m not kidding, do not wait another minute!  Call 919-883-2800 right now.

All trusts are the same, right?

I get this question from some of my estate planning prospects … “All trusts are the same, right?

Is it true?

Nope, not even close!

What kind of estate planning does your family need?  Do you know if you really need a trust?
If you do, does your attorney understand how to make one that fits YOU?

There are many forms of trusts, and not all are created equal.  Trusts are used for many purposes and serve different functions.  They must be tailored to the unique situations that you and your family find themselves in. It is a huge benefit to work with an attorney who understands trusts.

Estate Planning Tailored to your family … Isn’t that what you’d expect?

Today, I got this request over a local listserv…

Dear List-
Would anyone be willing to share a Revocable Family Trust agreement with me?
I am drafting a trust for a husband and wife ….

I really am just hoping not to start from scratch.

Hmmm … do you really want this from your estate planning attorney?

It seems from this request that he (or she) is about to embark on building a trust for the client … but he might never have completed a trust before.  What he or she creates will be a reflection of some “model” or “go by” document that might have NOTHING to do with the reality of the client’s needs.  The attorney is certainly very skilled in his field, but apparently new to trusts.

Don’t make a mistake with your family, their future, and your money …

Be choosy … pick an attorney who will work to understand YOU and YOUR FAMILY.
Personally.  Individually.  And competently.

When you work with a Personal Family Lawyer, you get all that, and more.

Call us at 919-883-2800 to find out why we are different from most other attorneys.

Or click this link to find out more.

Do you have young children?

Then you also need to discover kids protection planning.
Don’t let poor planning cause a disaster for your kids!

Call us today!  919-883-2800

Or, schedule a phone call to discuss your needs and find out how to get a Life Pathways Planning Meeting for free (valued at $750). Click this link for more and to schedule your phone call.

Or, just book the LifePathways Planning Meeting your self right now!

When is it time to stop driving?

When is it time to stop driving or take the keys away?

At some time you will feel concern or even fear that your parents should no longer drive an automobile. AgingCare.com points out that in a recent year, over 14 million Americans were involved in accidents with elderly drivers. But is age the only issue in deciding if it is time to stop driving? Or, is it the risk of accidents?

Of course, it isn’t really just either of those!

If that were true, then, statistically, young adults should not drive! When driving, you are in control of a 4000-lb machine that can easily hurt you or someone else. And, we see people, young and old, who concern us while driving.

Physical and mental condition and abilities are probably the key area to consider. Even the airlines ask if you are “capable” of doing the things it takes to sit in the exit row. Why not ask this of other tasks, including driving?

What are some of the areas of concern?

  • Vision: Can the driver see well enough to drive? Can they see signs? Can they judge distances? Can they see at night? Can they physically see over the dashboard? Personally, as my cataracts get worse, I have less light entering my eyes. This will eventually reduce my focus ability and night vision. It isn’t a demonstrable problem yet, but I “keep an eye on it”.
  • Hearing: The driver must be able to hear sirens or RR-Crossing warnings.
  • Strength: Can the driver manage the vehicle? Turning the car at a slow speed can require a lot of arm strength. Have you ever tried to drive with your arm in pain? Or hit the brakes if your leg is weak from an injury? It is hard! And, risky.
  • Medications: Is the driver on any medications that could affect speed of thought? Or one that would make them sleepy? Both situations can spell disaster. Medications and their interactions can have serious effects.

Is there anything specific to dementia?

For the topic at hand, Alzheimer’s and dementia, there might be unique issues that cause changes to the abilities that can affect driving.

  • Forgetfulness can be an important consideration. Not just about destinations, or how to return home. That happens, of course. But, look for confusion about stop signs, forgetting to use blinkers, or making that left turn into the retirement home without regard for oncoming traffic (one of my clients had two car-totaling accidents this way before his license was revoked).
  • Judgments: When an emergency happens, can the driver make decisions fast enough to avoid an accident? Sometimes, that ability to judge what is coming up avoids the emergency in the first place. Alzheimer’s and other dementias can rob a person of the ability to process information fast enough to drive.  To compensate, some drivers with slow reactions may turn too late, stomp on the brakes after they pass their destination, or just drive slowly.

How can you evaluate the driving?

Ride with them. Watch how they drive. Observe without comments, but record what you see for later reference. Some of the warning signs showing that the ability to drive safely is beginning to decline include:

  • Difficulty changing lanes.
  • Suddenly drifting into other lanes.
  • Problems judging distance when braking.
  • Forgetting to use turn signals.

Check the vehicle. Look for dents on the car, especially at the corners. Ask about the missing mirror. Check the sides of the garage door for damage.

Again, a personal note … seeing how my mother-in-law drove even years before symptoms of Alzheimer’s appeared should have alerted us to impending problems. She had dents and dings on all four corners of the car and had some trouble being attentive to traffic. I didn’t want to ride with her anymore! We didn’t stop her from driving for a few more years, and fortunately, nothing serious happened.

How to actually take the keys, if you must…

Have a plan. If you take the keys, says the Huff Post website, you should be able to provide an alternative. You can drive, you can sign the driver up with a local transportation option, such as Durham Access, or even teach the driver how to use Uber.  But, don’t leave them with no options.

Have a conversation. This is a shared decision, and your loved ones should be a part of the process. Elizabeth Dugan, author of the book, “The Driving Dilemma: The Complete Resource Guide for Older Drivers and Their Families,” suggests that you ask them what to do and share your concerns (“I don’t want to lose you in an accident”). Use open-ended questions and focus on what you are worried about, not what they should do.

Involve a trusted third party. Leverage a doctor or therapist (or the DMV) for help.

Be creative. For some drivers, simply “losing the keys” is enough. We disconnected the battery, and the car just would not start.

What if your loved one still refuses to stop driving?

Here are two ideas from dailycaring.com to force the issue:

Contact the DMV. There is a form on the website (ncdot.gov) that allows you to report the driver and ask for a driving evalutaion. Failure to pass would limit their driving.

Use forgetfulness to your advantage. When mother-in-law’s car would not start, it wasn’t long before she stopped wanting to drive and accepted rides and help from others. If she asked, we simply suggested that the car could not be fixed. Similarly, you can lose the keys or even disable the car entirely (like we did with the battery cable).

Also, Protect your own car and keys. Some people will take another car in the household to drive. So, protect that car too by controlling your own keys.

If there is really a problem, don’t feel guilty. You are doing what is necessary.

What if you do take the keys?

If you feel that it is time for them to hand over the keys, recognize that you may run into resistance. Taking the car keys removes the parent’s independence, the ability to drive to the market or to meet friends for coffee, to church and the senior center, the library or to visit friends. The experience can be traumatic.

But, be aware that taking away the keys can mean an earlier move to assisted living.  Is that affordable or even a good idea?  Be prepared to step in with meaningful assistance during this transition.

Summary

The bottom line is that this is a hard conversation and will require patience and planning.

If you need help, check out the articles referenced on this blog or contact a geriatric professional care manager.

What is Sundowning?

What is Sundowning?

And, what should I do about it?

The term “sundowning” refers to a state of confusion that often occurs in the late afternoon and may continue into the evening or night. Sundowning can cause or exaggerate some of the common behaviors associated with dementia. This could include confusion, anxiety, aggression, or ignoring directions. Your loved one might become demanding or suspicious. Sundowning can also lead to pacing or wandering.

Sundowning isn’t a disease, but a group of symptoms that occur at a specific time of the day that may affect people with dementia, such as Alzheimer’s disease.

What causes Sundowning?

The exact cause of this behavior is unknown. It might be related to light levels as the day wears on, or it might be related to fatigue if the person has been up and active for a while. They could even pick up on Caregiver fatigue!

There is speculation that the “internal clock” we all have is broken for people with dementia, so the day (and people around them) want them “awake” when their body tells them to “sleep”. Imagine how you would feel all mixed up, time-wise.

A more interesting theory to consider is that activity associated with later afternoon (shift changes, grandkids coming home from school, the dog needing a walk) may create a frustrating anxiety. The person with dementia might “remember” that they have to check on the dog, or pick up kids, or wrap up the day at work, even though this is not the current reality. Then, not being able to do it, or understand why they cannot, is frustrating and leads to behavior issues. That can include the need to “check in at home” which can lead to wandering behaviors.

Can it be prevented? How do we manage it?

The easiest approach to sundowning may be to change the stimuli of the environment. For example, keep lights brighter during the afternoon to “hold off” the shadows of evening. Close the blinds in the afternoon to avoid the changing light. The Alzheimer’s Association suggests the use of brighter lights during the evening.

You can also help the person get more or better sleep. Sometimes this might include little changes to medication or new patterns; talk to your doctor. You can arrange the bigger meal to be lunch rather than dinner/supper.

Schedule outside trips for times during the early part of the day. Go outside for a walk mid-day and limit mid-day naps, if possible. Avoid too much new activity during the time when the person with dementia seems to get agitated. Reduce noise and activity in the evening. Some people note that the TV is too distracting and suggest quiet music instead. Music can work wonders for some people with Alzheimer’s.

Care for the caregiver

Caregivers are stressed too. Take time to recover, sleep well, and relax as much as you can. Get respite help when necessary. There is no shame in asking for help and/or taking time for yourself.

For more information or help, contact a professional care manager, a home care agency, or an attorney familiar with these sorts of issues. Here is a more extensive case-study article.

Symptoms of Dementia

Symptoms of Dementia

In the past couple of emails, I noted that the dementia is progressive. That means it starts without symptoms, and then gradually the symptoms increase. Eventually, they interfere with daily life.

So, what should you look for?

Early signs of forgetfulness is often a key. This is sometimes described as forgetting why I went into a room, or where I left my keys. Of course, such things do not mean you have dementia, but they are possible symptoms. Forgetting directions to a common destination can also happen.

For others, poor decisions might be more apparent first. This can show up as a “lack of filter” in comments. I’ve heard seniors say amazing things they would never have said before the onset of dementia, and you probably have too. Another common example of poor decisions involves financial concerns. For example, a client lost multiple $100,000+ “investments” because he could no longer gauge the risk associated with the choices he was making.

Dementia in the general sense is different from the case of Alzheimer’s in the specific. Here is a list of Alzheimer’s symptoms you can read if you want more information.

What if I see a change?

People with memory loss or other possible signs of Alzheimer’s may find it hard to recognize they have a problem. Signs of dementia may be more obvious to family members or friends than it is to the person. Anyone experiencing dementia-like symptoms should see a doctor as soon as possible. If you see these kinds of changes in yourself or a loved one, don’t panic. It does not mean that dementia is starting! But, it is a good idea to check things out for yourself, and pay attention.

Keep an eye on changes, and consider planning ahead. You should look into legal documents, and be certain that IF there is a significant change in capacity, the family will be able to adapt and assist.

Help is available

If you or a loved one has been diagnosed with Alzheimer’s or a related dementia, you are not alone. The Alzheimer’s Association is the trusted resource for reliable information, education, referral and support to millions of people affected by the disease.

Call the 24/7 Helpline: 800.272.3900
Locate a chapter in your community
Use the Virtual Library

You are gaining knowledge by reading about dementia and Alzheimer’s disease, so use that knowledge to help your loved ones or yourself.

What is Alzheimer’s disease?

What is Alzheimer’s disease?

Yesterday I discussed dementia in general. Today, let’s look at Alzheimer’s in more detail.

According to the Alzheimer’s Association, Alzheimer’s disease is the most common form of dementia. While it is a form of dementia, it may represent 60-80% of all the cases. And, remember that “dementia” is a condition in which memory loss and a decline in other cognitive abilities is serious enough to interfere with daily life.

What characterizes Alzheimer’s specifically?

Essentially in my layman’s terms, your brain works through the activity of neurons, the connections between which create memory and hold all the details you use to think and reason. I explain it as the neuron connections that you need to think are getting interrupted. But, that isn’t all that happens. The damage spreads … and it is permanent. Eventually, the symptoms start to show up as forgetfulness and confusion.

Can you make it easy to understand?

I can try … in your brain are many complex processes. One of those goes haywire and accidentally starts to destroy neurons. Then, the brain’s response just makes it worse. Eventually, the disease actually shrinks your brain as tissue is affected. As that happens your memories, and your capability to think and reason, are lost.

There is a lot going on at a very deep level inside the brain of a person with Alzheimer’s.

When do symptoms start?

As you might tell from the description, Alzheimer’s begins without showing symptoms, and it might take years, but it is relentless and ultimately fatal.

This initial part is called the pre-clinical stage, which isn’t even part of the official stages of Alzheimer’s. Some estimates are that people are “asymptomatic” for 10-20 years! That means that their brains are changing, and no one can tell early enough for treatments to start. In fact, this makes medical research studies difficult because we really do not know if a person without symptoms has the disease or not.

Planning is important

Does this worry you? It probably shouldn’t!

Sure, you, or I, could be living with a disease that stays hidden for years, but that can be true with other diseases as well. My advice is not to worry … each day has worries enough. Knowledge and planning will make a difference for you and your loved ones, no matter what the eventual troubles really become.

If you already have a diagnosis of Alzheimer’s or any other dementia, you have had to process that knowledge personally and for many people it is discouraging, disappointing, and even terrifying. But, there is a ton of research going on, and we still work toward a cure.

Meanwhile, learning how the disease affects people and their families and caregivers is important. Talking with your loved ones, diagnosed or not, is important for a healthy response to any medical condition.

That is the point of my emails … to help you understand the issues and to develop new ways of thinking or relating to people with and without the disease. Working together, we make a difference in lives around us.

Tomorrow, I’ll look deeper into the symptoms and later into the stages of the disease.

See you then!

P.S. Here is another slightly more accurate description of the process

This description is written by Kathleen Ellen Foley. You can find her article here.

For some reason, Alzheimer’s patients had unusual buildups of proteins called amyloids in their brains. These proteins are a normal part of everyday function in healthy people, but instead of breaking down as they should, they form plaques that eventually destroy neurons.

Simultaneously—although it’s unclear if this is because of the amyloid buildups or in addition to them—proteins called tau, which form connections within and between neurons, become dense with extra phosphorus atoms. Eventually, the tau proteins become knotted, and end up destroying affected neurons, which also impairs the connection between other neurons. Worse, the tau then starts spreading. The destruction starts in the hippocampus, the tiny, seahorse-shaped memory hub at the base of the center of the brain, and extends outward, eventually overwhelming the entire organ.

For a while, the brain maintains normal function with these malformed proteins and dying neurons, but eventually, it hits a tipping point. The hippocampus starts to shrink and people who could once remember to-do lists, names, and directions start to become more forgetful and confused, which understandably leads to intense anxiety and confusion. The cognitive symptoms only get worse from there, followed by physical decline that is eventually fatal.

The damage caused by the disease is permanent.

P.P.S. – Here is the really technical explanation… continue at your own risk!

According to Dr. Sara Adaes, writing for “Brain Blogger” in 2015, the technical details are this:

There are some pathological features in AD brain tissue that are considered hallmarks of the disease. Specifically, amyloid plaques – extracellular deposits of the amyloid-beta (A-beta) peptide – and neurofibrillary tangles, intracellular accumulations of the hyperphosphorylated tau (p-tau), a microtubule assembly protein. Other characteristic changes include increased microglial reactivity and widespread loss of neurons, white matter and synapses.

Ok, that is a mouthful.

Why does dementia matter to business?

Dementia creates a huge cost for US business.

This comes in the form of a gradual decline in productivity, early retirements, workers leaving to care for their loved ones, and eventually insurance costs for care.  It is a national problem that needs resolution.

Dementia is various things, but one easy descriptionis that it is a progressive diminishing of the brain’s cognitive functions.  That means that practically, if you have dementia, you will gradually lose the ability to make complex judgments or certain kinds of decisions.  You might lose the ability to manage your money, or drive the car.

These changes are gradual, and usually fairly slowly developing.  So, you might have episodes for years that are frustrating but not a problem.  Then, sometimes as a surprise, you can’t function like you used to.

Why does that matter?

If you are a younger worker, you might lose productivity or efficiency.  If you are an older worker, you might need accomodations.  Or, you might need to retire sooner than you had hoped.  This can affect you, your co-workers, your company, and even the community.  We are not talking about the cost of care … that is further down the timeline.  But, studies show that in 2010 distracted workers cost the national industry in the US alone over $650Billion a year.  That was back in 2010, according to a business journal.  Imagine what it is today, and what just a few minutes of confusion or having to repeat things can do.

Early retirements are the next factor.  Workers are retiring earlier than usual when dementia is involved.  And it isn’t just here in the US… it is a global issue.  In the UK, “Early retirement of those diagnosed with dementia is estimated to cost businesses a further £627m a year” (see this article)

Finally, workers often leave to care for their loved ones.  This can reduce the workforce and coast companies in terms of retraining, disruptions, and overall corporate health costs.

How many people are affected?

A poll, “commissioned by Workplace Options in conjunction with the Alzheimer’s Association, showed that nearly 70% of those who work or worked while providing care had to modify their schedules. They went in late, left early or took time off during the day.

Other findings:

  • 32% had to take a leave of absence.
  • 26% changed jobs for a less demanding role.
  • 23% had to go from working full time to part time.
  • 20% said their work performance suffered to the point of possible dismissal.
  • 24% had to give up working entirely.

Other issues that come up while being a working caretaker are physical exhaustion and psychological problems such as depression and anxiety. For some, it amounts to a second job.”  (See the article)

What can we do?

As business owners, we need to adapt the way we work to accommodate people who need to care for others.  We need to understand what our people need for their own health.  And, we need plans that appropriately and legally adjust our practices and procedures.

It is a big task, and growing every day.

You can help by getting behind initiatives to study dementia, by taking care of yourself, and working to support your co-workers and family.  Together, we can adapt while we wait for the cure.

 

What is dementia?

According to the Alzheimer’s organization, Dementia is a general term for a decline in mental ability severe enough to interfere with daily life. Memory loss is an example. Alzheimer’s is the most common type of dementia. (see alz.org )

They go on to say, “Dementia is not a specific disease. It’s an overall term that describes a group of symptoms associated with a decline in memory or other thinking skills severe enough to reduce a person’s ability to perform everyday activities. Alzheimer’s disease accounts for 60 to 80 percent of cases. Vascular dementia, which occurs after a stroke, is the second most common dementia type. But there are many other conditions that can cause symptoms of dementia, including some that are reversible, such as thyroid problems and vitamin deficiencies.

Do you want to know more about signs of Dementia?  Download this article from Alz.org.

People with dementia may have problems with short-term memory.  This is common, and looks like trouble keeping track of a purse or wallet, paying bills,  remembering appointments or traveling.  Even just out of the neighborhood.  We often see this when a person who used to cook stops, or has trouble planning and preparing meals, or leaving food in the microwave or stove.

Most dementias are progressive and gradual, meaning that your symptoms start out slowly and over time get worse. If you or anyone you know is experiencing memory skills issues, please do not ignore them.  Get an evaluation from a doctor who understands dementia.

 

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