$10 LifeTime Pass to U.S. National Parks

Buy a Pass before August 28, 2017
$10 LifeTime Pass to National Parks

Do you know that anyone 62 and older can get a Life Time Pass to all U.S. National Parks for just $10?

If you, your parents or grand parents love to travel and enjoy the beauty of our National Parks, order a pass before August 28, 2017 when the fee increases to $80.

Here’s a complete list of all American National Parks and Forests.

A Few More Details:
Annual and lifetime Senior Passes provide access to more than 2,000 recreation sites. The passes cover entrance and standard amenity (day-use) recreation fees and provide discounts on some expanded amenity recreation fees. Traveling companions can also enter for free. The Senior Passes admit pass owner/s and up to three adult passengers in a noncommercial vehicle. Children under 16 are always admitted free. Also, at many sites, the Senior Passes provide the pass owner (only) a discount on Expanded Amenity Fees such as camping, swimming, boat launching, and guided tours.

How can I purchase a Senior Pass?
Senior Passes can be purchased at any federal recreation site, including national parks, that charges an entrance or standard amenity (day-use) fee. Proof of age and residency is required. Passes can also be purchased online or through the mail from USGS; an additional $10 processing fee will be added to the price.

Happy Trails!

Got Health? Give.

by Janet Simpson Benvenuti

Our mission at Circle of Life Partners includes supporting the leaders of non-profit organizations that improve the health and well-being of older people and their families. This summer, many of us plan to walk, run, cycle or golf for a cause; there is no better way to improve our own fitness with friends and family while helping others. Below are links to a few of our favorite events. Feel free to post other local or national events in the comments section or on our Facebook page. We want to support your favorite causes, too.

Most families have someone living with heart disease or cancer, respiratory illnesses, arthritis or diabetes. In August, join the annual Pan-Mass Challenge bike-a-thon. Nationally, check out the Team for Cures events for Multiple Mylenoma; join the Fight for Air Climb in skyscrapers across the country to support the American Lung Association; or ride with Tour de Cure for the American Diabetes Association.

Because half of the caregiving dollars in America are spent supporting someone living with cognitive impairment, walk or ride for the Alzheimer’s Association or join local golfers to support the DKJohnson Foundation. Other neurological illnesses such as Parkinson’s, ALS and Multiple Sclerosis also consume caregiving resources and benefit from our engagement. Remember the Ice Bucket Challenge? Funds from that campaign helped scientists identify NEK1, a gene that may cause the disease, so your support to these, and other campaigns, matters.

Mental illness afflicts millions of Americans and NAMI, the National Alliance on Mental Illness, is among the organizations that provide ongoing support and guidance to families. Join one of the NAMI Walks and let’s make mental health an equal priority for all.

To your health!

c2017 Circle of Life Partners, LLC. All rights reserved.

Mother to Mother, On Mother’s Day

by Janet Simpson Benvenuti

I am a mother and a motherless child, an aunt to 19, three of whom lost their mother last year. Until my own mother passed away, I never associated Mother’s Day with loss but the holiday raises mixed emotions of joy, sadness, gratitude, and love.

Mothering is defined by Webster as the act of “bringing up a child with care and affection,” but that definition doesn’t begin to capture the ethos of a mother: one who cares for her child, her friend’s child and the community around them. Those of us raised by loving mothers or aunts, older sisters or grandmothers know the quiet touch and backbone of steel that mothering requires. We celebrate each other’s joys, we mourn each other’s losses, we comfort those in need.

Recently I read “From Mother to Mother, Having a Child with Substance Abuse Issues,” a poignant essay in which the author, Cathy Miles, conveys how her daughter’s addiction changed her personal celebration of Mother’s Day. What caught my attention was the phrase “from Mother to Mother,” the code all mothers use to signal honesty, empathy, awareness and action. Cathy is a mother with an ill child who openly shares her fears and depression, dreams lost and life changed; one who shares her story so others may not feel alone in their own child’s journey with addiction. Cathy is the mother of a daughter but she is mothering us as well.

On this Mother’s Day, it’s important to remember that you are not alone. Not alone with a disabled child, an ailing parent, or an aging body. Not alone as a teenage mother, a widowed elder or a mentally ill adult. As long as your world is filled with women and men who embrace mothering, they will notice and support your needs.

A few weeks ago a neighbor and the mother of four visited a homeless shelter. Through a quick email to a gaggle of friends she solicited 850 pair of new underwear without fanfare or fuss, overwhelming the shelter with her generosity and waiving off the gift, as mothers do. Linger a moment on her request. Underwear? Only a mother would think about new underwear and the importance of that gift to a homeless person, a gesture of kindness and a reminder of their value as a human being.

Now, just for a minute, think about the outcome if that email went to a gaggle of men.

Happy Mother’s Day to the mothers among us and to all who enjoy mothering.

c Circle of Life Partners, LLC. All rights reserved.

Let’s Help End Alzheimer’s: Move for Minds

by Janet Simpson Benvenuti

Save the Date: June 4, 2017. Join thousands of women across the country at Equinox Sports Clubs to help end Alzheimer’s disease, a disease that disproportionately impacts women. Maria Shriver @mariashriver and the Women Alzheimer’s Movement @WomensAlz have teamed up with Equinox to host the annual Move for Minds event in seven cities nationwide.

Get your sisters, daughters and girlfriends together and register below for this fun-filled fundraising event. All monies raised are donated to researchers on the cutting edge of a cure.

Just click on the city below to register NOW.
In Washington D.C.
In Boston, MA
In San Francisco, CA
In Dallas, TX
In Orange County, CA
In Miami, FL
In Los Angeles, CA

c Circle of Life Partners, LLC. All rights reserved.

You Can Avoid Alzheimer’s Disease

by Janet Simpson Benvenuti

Getting Alzheimer’s disease is not inevitable with age. In a recent TED talk, Dr. Lisa Genova, neuroscientist, Massachusetts native and author of several books including Still Alice shared five ways you can avoid cognitive impairment.

You likely know the first four.

1. Get a good night’s sleep;
2. Follow the Mediterranean diet;
3. Exercise several times a week; aerobic exercise is best with strength training to enable fitness; and,
4. Lower your stress levels through prayer, yoga, or meditation.

What often surprises people is the fifth preventative: Learn something new. Exercising your brain through new experiences builds synaptic capacity. Lisa referred to the now famous Nun Study, research that followed the lives of 678 nuns who generously agreed to allow their brains to be autopsied upon their passing at ages 75 to 107. To their surprise, the researchers found that several nuns’ brains had the telltale Alzheimer’s lesions yet these women displayed no evidence of cognitive impairment while alive. Why? Their brains had ample capacity because of a lifetime of learning.

Watch the video. Share this post with your friends and family. Then join me in learning a new language using an app like Duolingo. Au revoir und auf wiedersehen.

c Circle of Life Partners, LLC. All rights reserved.

Eldercare: How to Avoid Sibling Discord

by Janet Simpson Benvenuti

Recently I teamed up with geriatrician Dr. Leslie Kernisan to share how to minimize family conflicts that arise even in the closest of families when a parent or older relative becomes ill and needs support. Dr. Kernisan is a practicing geriatrician with an active interest in educating seniors and their adult children how to achieve Better Health While Aging.

Sibling conflicts arise from a lack of clarity about roles and responsibilities that change as a parent’s or older relative’s needs increase. Geographic distance, job demands, financial strain and even denial will elevate stress and tension. In this podcast, you’ll learn the key roles relatives play and the four actions that insure successful aging. Learn, too, how a quick sketch of a family tree helps identify and fill gaps in support long before assistance is needed.

Like you, I often listen to podcasts on walks or when commuting. I listened to our edited podcast on a rainy day while chopping vegetables to prepare beef barley soup. Here is the recipe and the podcast.

c Circle of Life Partners, LLC. All rights reserved.

Senior Housing: Who Advocates for the Residents?

by Janet Simpson BenvenutiSeniors Laughing

74 million Baby Boomers are entering Elderhood and they won’t Age Quietly. While most will age in place, some will transition to Assisted Living or Continuing Care Retirement Communities (CCRCs). The latter require a significant financial investment upfront with care services provided later in a resident’s aging process. Concerned about the financial stability of these entities and the absence of regulations, one advocacy group, the National Continuing Care Residents’ Association has formed and is gaining momentum. With affiliates in nine states and more joining the network, their mission is to assure that “their communities are well-managed and properly regulated.” If your parents or grandparents are in a CCRC, have them check out this organization. Yes, indeed. The Boomers are Coming!

c Circle of Life Partners, LLC. All rights reserved.

The Legacy of a Gifted Educator

For Blogby Janet Simpson Benvenuti

Last week I learned that Lorraine Ward, one of my son’s teachers, had passed away. From the fourth through eighth grade, he was fortunate to attend the Fenn, an all-male middle school that encourages boys to explore academic, athletic and artistic activities outside their comfort zone and develop a worldview that is respectful, empathetic and loving. Brilliant and erudite, Lorraine left an academic position at Wellesley College to help her husband, the headmaster, build an exceptional academic program. At Fenn, she loved, mentored and supported hundreds of students as if they were one of her own three sons while educating parents in how to raise competent and caring young men.

As I stood with dozens in the cold for more than two hours to attend her wake, I reflected on the powerful influence a single teacher or educator can have on hundreds of lives and generations of families. Even while on leave for cancer treatment and the ten year battle that followed, Lorraine continued to lead by example and through her prodigious writing, penning an Op-Ed in the New York Times, championing the benefits of single sex education. Among her inspiring messages and conversations with parents and faculty, she said:

“Let’s let our boys be young and unencumbered for as long as we can, to promise them that no matter where they land academically, socially, artistically, or on the playing field, they are loved and cherished beyond words, that this is the time in their lives to love and enjoy themselves and their friends fully, to feel each day to be one worth living no matter what the challenges or disappointments, to burden them less with our own need for a certain kind of success for them. They will not disappoint us in the long run, I can assure you. And what you get in return is more than you could ever hope for.”

In a world full of toxic cultural messages for boys, she was truly a leader among men. Thank you, Lorraine. Rest in peace.

c Circle of Life Partners, LLC. All rights reserved.

MALA – A Caregivers’ Journey

by Janet Simpson Benvenuti

“You’re making mistakes all the time, you’re failing all the time. You weren’t taught how to do it — no one trained you. Our culture doesn’t really help us do it. We feel alone. We’re not alone.”

How many of us have said these words to our friends as we struggled to support our aging parents? How many more of us have felt this way, but remained silent about our concerns? If you’re in Boston this month, you may want to attend the performance of MALA at the Emerson/Paramount Center. Written and performed by nationally acclaimed playwright Melinda Lopez, this one-woman show brings to life the world of the adult child struggling to support her dying parents. Brilliantly irreverent, Melinda captures the universal struggle of family caregivers coping with her parents’ needs without losing her compassion or her sanity.

Our thanks to our colleague Dianne Savastano, RN, MBA, founder of HealthAssist, for bringing this play to our attention. If you subscribe to Dianne’s newsletter here, use HealthAssist10 to save $10 on the ticket price. Here’s the link to purchase tickets.

c Circle of Life Partners, LLC. All rights reserved.

Thinking about Buying Long-Term Care Insurance? Read this first.

confusion-005by Tobe Gerard, CLTC, MBA, MLS, LIA

There are many questions posed by prospective clients when they are first considering long-term care insurance (LTCi), but most begin with the disciplined questioning of the Socratic method: Who? What? When? Where? Why? How?

Who is buying? Couples and single women.

What are they buying? 50% of our clients buy traditional LTCi and 50% buy a hybrid policy that combines LTCi with life insurance. That is a huge shift from just five years ago when traditional LTCi made up 90% of our sales.
>Traditional LTCi Policies Current policies are less robust than years ago, typically they provide $4,500/month or $6,000/month, 3 or 4 year benefit period, 3% compound inflation. Couples almost always purchase the “shared” rider.
> Hybrid LTCi Policies Clients most often re-position $100,000 to fund a policy. The benefits range from $4,500 to over $6,000/month depending upon age, gender, and dollars contributed to fund the policy. The sweet spot appears to be policies that have a six year benefit period and 3% compound inflation.

When are they buying? Most people purchase LTCi in their fifties, but our clients range from 46 to 71.

Where are they buying? The states that have the most “insured lives” are CA, TX, NY, FL, IL, PA, OH, VA, NJ, WA, and MN.

Why are they buying? These are the top six reasons people purchase a LTCi policy.
#1 A desire to protect assets.
#2 A desire not to be a burden to family and other loved ones.
#3 A desire to have choices on where to receive care.
#4 A desire not to rely upon the government for their care.
#5 They have experienced using LTCi for a relative (parent, grandparent, spouse) and saw what a gift LTCi was to the family.
#6 They have experienced caring for a relative without LTCi and they saw how it drained the family’s resources financially and emotionally.

How are they buying? Many clients have been referred to us by their financial advisor, their attorney, or their accountant, although some people purchase policies through their employer; some buy through affinity groups such as college alumni associations or professional associations that offer members a discount; and others search online and buy a policy remotely from an insurance agent who sells by phone in multiple states.

Editor’s Note: For decades, the author has provided families with guidance about selecting long-term care insurance policies as well as how and when to trigger a claim. To help you become a more savvy consumer, we’ve asked Tobe to become an ongoing contributor to our blog.

Reprinted with permission from Tobe Gerard.

c 2016 Circle of Life Partners, LLC. All rights reserved.