So you’ve decided you or your loved one needs senior living - how much is it going to cost? A 2020 study by Genworth determined that the U.S. average for assisted living is $4,429 a month, though it could be less (or even more) depending on where you live! Budget is a huge factor in determining what’s available to you. Unfortunately, there’s also a huge misconception that Medicare will cover the cost. That is simply not the case.

With that in mind, as a Senior Living Expert, I'll be sharing 10 ways to pay for senior living. Depending on how you’ve prepared over the years, there may be different options available that you never considered. Most people tap into social security, and if you have a pension plan, add that to your monthly income.

Savings are another way to pay, and you can consider savings in your 401(k) or other retirement funds as well.

Other means of payment: Do you own a house? Speak to a realtor - you may be able to sell without renovating your home. Are you a military veteran? VA benefits, like Aid & Attendance for war era veterans and spouses, can pay great rates. If you have Long term care insurance and qualify for care, it will cover Assisted Living & Memory Care. Family may also chip in to help, and there are life insurance policies to cash in, as well as bridge loans and reverse mortgages.

Nothing brings you back to reality like discussions about budget. However, there are many options. It’s also important to discuss finances with your loved ones, even if it’s an uncomfortable conversation, just so you’re prepared when the time comes.

Topics discussed:

-Senior living

-Paying for senior living

-Asset management

-Long-term care

-Medicare

-Insurance policies

-Selling your home

Takeaways from this episode:

-Medicare does not cover senior living. However, Medicare does pay for doctor’s visits, hospitalizations, rehab, hospice, and home health.

-Speak to a realtor to get a market analysis and discuss potential earnings if you were to sell your house.

-To prevent potential rejection, seek an elder law attorney’s help when completing the veteran’s benefits application.

-Purchase a long-term care policy when you’re younger. They can become cost-prohibitive if you wait until you’re older with health issues.

- It’s important to discuss your loved ones’ assets and preferences. That way, you can help respect their wishes if they need a new living arrangement.

Get my new book, 'Surrounded by Love: One's Family Journey Through Stroke Recovery': https://loriwilliams-seniorservices.com/book

To suggest a topic, be a guest or support the podcast, please email Lori@Loriwilliams-seniorservices.com

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Listen to this episode before upgrading your...

Life is a journey, and as we move forward, our needs and desires evolve. When it comes to senior living, many people are daunted by the myths and misconceptions that surround it. But I believe it’s time to look at senior living communities with an open mind. These communities aren’t just about change—they’re about enhancing one’s quality of life with confidence.

Understanding Senior Living Options

When it comes to senior housing, it's essential to choose options that foster independence and enrich your lifestyle. I’ve narrowed it down to two main types of communities: active aging senior apartments (for ages 55+ or 62+), and all-inclusive independent living, which often includes meal services. These communities are not about losing your independence—they’re about enhancing it by providing a supportive environment tailored to seniors.

• 00:27 Welcome to Aging in Style
• 01:02 Addressing Senior Living Myths
• 01:24 Types of Senior Housing
• 02:19 Concerns About Moving to Senior Living
• 03:01 Benefits of Senior Living
• 11:12 Social Life and Activities
• 13:49 Final Thoughts and Challenge
• 15:35 Conclusion and Contact Information

Breaking Free from Household Duties

One of the greatest advantages of moving to a senior living community is saying goodbye to home maintenance. No more worrying about yard work, fixing broken sprinklers, or managing a never-ending to-do list. Senior living offers the freedom to leave those responsibilities behind, giving you more time to enjoy the things you love.

Combating Loneliness and Isolation

Staying at home can often mean loneliness, especially if your social circle isn’t as accessible as it once was. In senior living communities, you’ll find yourself part of a built-in social network. Whether it’s engaging in activities, joining clubs, or simply having neighbors nearby, there are endless opportunities to make new connections and enjoy meaningful social interactions.

Enjoying More Family Time

A common fear is that moving to a senior living community means losing precious family time. But most communities actually encourage family visits! From shared dinners to Disney movie nights in on-site theaters, there are countless ways to create cherished memories with your loved ones.

Pet-Friendly Living

For many, the thought of leaving behind a beloved pet is a major deterrent. But many senior living communities not only allow pets—they cater to them. With amenities like pet-friendly walking trails and grooming facilities, you and your furry friend can embark on this new chapter together without compromise.

A Resort-Like Experience

Imagine living in a place that feels like a vacation every day. Senior living communities today offer amenities that resemble five-star resorts—fitness centers, gourmet dining, and even spas. With a variety of housing styles, from cottages to apartments, there’s something for everyone.

Maintaining Independence and Freedom

Moving to a senior community doesn’t mean losing your freedom. Residents maintain the ability to come and go, travel, and live their social lives outside the community. The "lock and leave" lifestyle is perfect for those who love adventurous getaways without the worry of home security.

Senior living communities offer a wide variety of activities that cater to many interests—whether you enjoy happy hours, crafting, book clubs, or concerts. There’s no pressure to join everything, but the opportunities are there if you want them.

Taking the First Step

I always encourage people to take a proactive approach by exploring senior living options with an open mind. Tour a community and see firsthand the benefits of senior living in a real-life...

As someone who has been deeply immersed in the world of aging and senior care, I've noticed that there’s a significant aspect of aging that often goes unspoken: menopause and perimenopause. Despite the numerous conversations about other transitional stages in life, this particular journey at the end of our reproductive cycles is seldom discussed openly.

What is even more puzzling is that so many of us experience it, yet it remains a taboo subject.

Menopause and Perimenopause: The Unspoken Journey

Have you ever found yourself wondering why menopause isn’t ever talked about? I certainly have. As I explored the topic further alongside Carin Luna-Ostaseski, the founder of "Hot or Just Me," I realized how crucial it is to shine a light on these changes that profoundly impact our lives.

Carin began her journey into understanding menopause in her early forties, grappling with hot flashes, brain fog, and anxiety. Despite common symptoms that many women experience, she found herself asking, "Is it hot or is it just me?" This sparked the creation of her online shop, offering products and solutions for managing these symptoms.

Chapters:

1. 00:00 Introduction to Perimenopause
2. 01:26 Introducing Carin Luna-Ostaseski
3. 02:42 Carin's Journey with Perimenopause
4. 03:40 Lori's Experience with Menopause
5. 04:36 Discussing Hormone Replacement Therapy
6. 05:49 Hot Flashes and Night Sweats
7. 08:09 Carin's Business: Hot or Just Me
8. 09:44 Menopause and Andropause
9. 12:01 Carin's Background in Whiskey
10. 14:01 Supporting Women Entrepreneurs
11. 15:22 Menopause in the Workplace
12. 16:30 Starting a New Business at Any Age
13. 26:04 Tips for Better Sleep
14. 29:55 Conclusion and Promo Code

Community and Support in Menopause

In my conversation with Carin, we explored various facets of menopause that are essential yet often overlooked. From hormonal changes affecting libido and causing discomfort during intercourse to lifestyle adjustments, there's much to learn.

Carin's shop provides a treasure trove of solutions, from cooling sheets and blankets to low libido products, catering to the nuanced needs women face during this transition.

Understanding the Broader Impacts

Carin also highlighted the importance of discussing the broader implications of menopause and how they intertwines with our personal and professional worlds. She emphasized the need for more initiatives in workplaces to support women undergoing menopause, ensuring the right resources and accommodations are available. This not only aids women in coping well but also ensures they can continue contributing effectively to their workplaces.

The Silver Linings of Midlife Entrepreneurship

Interestingly, Carin’s journey also echoes a broader theme of reinvention during midlife. Her transition from a successful whiskey entrepreneur to founding "Hot or Just Me" illustrates the potential to embark on new ventures and create meaningful change, even in later stages of life. It’s inspiring to see how life experiences, challenges, and passions can coalesce to foster new beginnings and opportunities for growth.

Creating Conversations That Matter

The discussions with Carin and experiences shared by women bring to light the necessity of having open, honest conversations about menopause. Whether through support networks, products designed to alleviate symptoms, or workplace initiatives, it’s time we started treating menopause as a journey worth discussing instead of a hidden struggle.

By sharing these insights and stories, I hope to encourage more women to engage in these

If you’re intrigued by Carin’s story or looking for resources to help manage menopause, I invite you to check out "Hot or Just Me"...

The Everyday Challenges

Last night was a typical scene in my life, one almost like running a residential care home. Between managing the needs of my husband, Mark, who requires constant care after suffering multiple strokes, and my son, Chris, who recently injured his ankle, it felt as though I couldn’t catch a break. Even our dog joined in the drama with a limp, compounding the chaos!

Understanding Caregiver Stress

Being a caregiver is far from easy. Stress manifests in numerous ways, from physical symptoms like fatigue and headaches to emotional signs such as irritability and anxiety. Statistics from AARP indicate that a significant percentage of caregivers face depression and are at risk of chronic health issues like high blood pressure and heart disease.

Chapters:

1. 00:00 Introduction: A Day in the Life of a Caregiver
2. 01:02 Changing Plans: The Impact of Caregiver Stress
3. 02:42 Personal Story: Caregiving Challenges
4. 05:26 Understanding Caregiver Stress
5. 06:17 Statistics on Caregiver Stress
6. 11:04 Signs and Symptoms of Caregiver Stress
7. 13:35 Managing Caregiver Stress
8. 17:27 The Importance of Self-Care
9. 20:31 Building a Support Network
10. 26:36 Final Thoughts and Encouragement

Symptoms to Watch For

Stress sneaks into our lives through various symptoms. Whether it’s fatigue from sleepless nights, the burden of holding together daily tasks, or emotional challenges like guilt and anger, these symptoms deserve our attention.

One coping strategy I’ve developed is breaking down tasks into manageable steps. It helps when the day feels overwhelming and shifts the focus from the mountain of tasks to a single achievable step.

Prioritizing Self-Care

Self-care isn’t just a buzzword; it’s essential for survival in this caregiving journey. Regular exercise, healthy eating, adequate sleep, and indulging in small joys can significantly alleviate stress. For me, exercise is a goal I’m continuously striving towards, aware that excuses only hinder my progress.

Sharing our experiences with others can be profoundly healing. Finding a support network, whether through online groups or personal relationships, ensures that we don’t feel alone in our journey. I’ve found solace in both online support groups and the occasional chat with friends.

Seeking Professional Help

Don’t hesitate to reach out for professional help if you need it. A therapist can offer coping strategies that are tailored to your situation. While my experience was a brief affirmation of my existing skills, it was a valuable one.

Maintaining Hope and Joy

Finally, take pleasure in the little things. Whether it's our dog’s unabashed joy over a pup cup or a spontaneous laugh, these moments remind us to hold onto joy amidst the challenges.

Remember, caregiving is a marathon, not a sprint. Keep your cup filled so that you may continue to pour into others. For those of you navigating this path alongside me, know that you are not alone. We're in this together—one step, one task, one joyful moment at a time.

Get my new book, 'Surrounded by Love: One's Family Journey Through Stroke Recovery': https://loriwilliams-seniorservices.com/book

To suggest a topic, be a guest or support the podcast, please email

Have you ever felt too old to chase a dream or explore a new path? As someone who's walked alongside many seniors through their journeys of transitioning into new phases of life, I've heard countless people second-guess themselves, thinking they’ve missed their chance to pursue something different simply because of their age. Yet, time and time again, I've witnessed the magic that unfolds when they let go of these fears and embrace new opportunities.

In this week's episode of "Aging in Style," I had the pleasure of chatting with Karyl Thomas, a dear friend and colleague who’s embarked on a remarkable and inspiring journey of her own. At the age of 59, Karyl decided to take a leap into the world of comedy, chasing a dream that once lingered in the back of her mind. Our conversation was filled with laughter, insights, and a mutual understanding that age should never be a barrier to pursuing happiness.

The Courage to Laugh

Karyl shared that as she approached 60, a persistent voice encouraged her to finally dive into comedy—a passion she’d always harbored. Despite an already fulfilling career in hospice, she needed room to explore this newfound path. And so she transitioned from hospice to working with me at Lori Williams Senior Services, providing her the flexibility to chase her desire for comedic expression.

• 00:00 Introduction and Welcome
• 01:41 Meet Karyl: From Hospice to Comedy
• 04:00 The Journey into Comedy
• 09:27 Family Reactions and Support
• 13:23 Comedy Classes and Inspirations
• 19:08 Humor in Senior Living and Healthcare
• 27:17 Future Plans and Encouragement
• 30:21 Conclusion and Podcast Information

Her journey began with storytelling classes, where she crafted her wit into relatable tales. For Karyl, humor has always been not only an outlet but also a means of connecting with others. As she honed her skills at the Dallas Comedy Club, she encountered people from all walks of life—each bringing unique perspectives to the stage, each feeding off everyone's shared enthusiasm.

Finding Joy and Inspiration

At every step, Karyl found herself supported by friends, family, and even strangers who were charmed by her humor. I'll never forget attending one of her shows with my daughter, watching as Karyl’s children beamed with pride in the audience. It's in these moments where you see the impact of following your dreams; Karyl’s journey has become a living testament for her children—and many others—that it’s never too late to start something new.

She exemplifies that chasing your dreams, no matter how daunting it seems, can bring an unexpected richness to life. Through stand-up comedy, Karyl crafted stories filled with humor drawn from her own experiences, endearing herself to audiences of all ages, proving that authenticity resonates universally.

Next Steps and Advice

The journey doesn’t end with storytelling and stand-up performances. Karyl moves on to improv classes to further expand her comedic repertoire, despite her challenges—like being legally deaf. Her ability to face these obstacles head-on with tenacity and humor only makes her story more inspiring.

To those contemplating whether to try something new, Karyl advises listening to your own voice. Don’t let age, or perceived obstacles, hold you back. Whether it's a latent passion for art, writing, or even a desire to run a marathon, this is your time. Embrace it, have fun, and enrich your life with experiences that bring joy.

Conclusion

In closing, I urge everyone to take a page out of Karyl's book and just try. Age should never limit one’s dreams or passions. Life is full of unpredictable opportunities, just waiting to be seized. Seek out new challenges, embrace the joy that comes from conquering them, and most importantly, allow yourself the...

Today, the rise of online dating apps is something that has been both amusing and bewildering to navigate, especially for the younger generation like my daughter, Abby. Remember those stories of endless swiping on apps like Bumble? Each generation finds its own unique—and sometimes hilarious—path to love.

Redefining Love in Later Years

As I reflect on the Netflix show "Later Daters," it's evident that finding love at an older age requires a deep understanding of oneself and a redefinition of relationship goals. My friend Teresa, at 57, is considering re-entering the dating scene with new aspirations—seeking reliability, trust, and companionship. Unlike Abby’s youthful pursuit of life-building adventures, Teresa’s focus is on forging a meaningful partnership, one centered on mutual respect and companionship as life’s journey unfolds.

• 00:02:00 Generational Differences in Dating
• 00:03:00 - Changing Priorities Over Time
• 00:04:30 - Being Considered a "Purse or Nurse" As You Age
• 00:10:00 - Challenges of Blending Families
• 00:15:00 - Online Dating Culture
• 00:18:00 - Dating App Behaviors
• 00:22:00 - Safety Concerns for Women
• 00:26:00 - Evolving Relationship Needs
• 00:30:15 - Commitment and Vows in Marriage

Insights from Youthful Optimism

Abby, my 21-year-old daughter, offers a fresh perspective on relationships. Her journey emphasizes career-building and personal growth alongside her partner—contrasts that highlight the differing priorities of love at various life stages. We often share a laugh over her stories of online dating, where the daily compromises seem so blissfully uncomplicated compared to the broader concerns faced later in life.

In witnessing the dynamics portrayed in "Later Daters," along with my experiences as a caregiver to my husband, I am reminded of the profound depth that long-term commitments bring. Love is not merely the joyous moments; it includes the bearing of responsibilities and the steady companionship that sustains through hardship. For some, the allure of new companionship is tempered by a desire for supportive friendships and shared experiences rather than a traditional romantic pursuit.

Enduring Quest for Connection

A powerful theme in "Later Daters" is the enduring search for connection. Whether through a simple evening walk or shared laughter, the desire remains strong throughout our lives. The show beautifully illustrates how what you are looking for in a partner changes as you age.

Reflective Observations

Viewing "Later Daters" has reinforced the significance of marriage vows and showcased how relationship dynamics shift uniquely with age. It's a reminder that while youthful romance is vibrant, the matured pursuit of companionship is rich in understanding and mutual support.

For those contemplating re-entering the dating sphere or reassessing relationships, I encourage maintaining an open heart and a practical mindset. I invite you to watch "Later Daters" and join me in the conversation about exploring these compelling life changes.

Takeaways from the episode:

1. Later Daters, a Netflix reality show explores dating in later life (50s-70s). Participants shared their experiences, contrasting dating today with their youth, emphasizing how values and needs evolve.
2. A common fear among older daters, as expressed by a character on the show, was becoming a caregiver or financial supporter in relationships ("nurse or a purse").
3. Despite generational gaps, participants of the show acknowledged that intimacy and romance remain important regardless of age, challenging stereotypes about older adults.
4. Marriage vows gain...

As the clock ticks into 2025, it's hard to believe how quickly time flies. Reflecting on the past few years, I realize that 2022, 2023, and 2024 have been challenging and transformative. As I look ahead, like many of you, I find myself setting goals—some ambitious, some simple—but all important for leading a rewarding life as we age. I’ve come to understand that the key isn't merely surviving but thriving, and much of that involves staying active and involved.

This topic struck me profoundly during a holiday outing with a group from my community, the self-proclaimed "Quirky Crew." Our mission was to spread joy by reveling in activities that bring cheer, such as dancing and engaging with those around us.

On this festive foray, I had the pleasure of reconnecting with Miss Marilyn, a remarkable 102-year-old lady who exemplifies the spirit of staying active. Despite using a walker, she remains a staple at the senior center, participating wholeheartedly in life. When asked about her secret to longevity and vitality, her advice was simple yet profound: "Be involved and stay active."

As someone who has worked in senior living for over 18 years, I continuously witness the power of engagement in bettering one's quality of life. Those who remain mentally and physically active tend to have brighter outlooks and sharper minds. Studies even suggest that social isolation is linked to cognitive decline, something we saw evident during the pandemic. It's crucial, therefore, to remain socially and physically engaged to enhance our mental and physical well-being.

Chapters:

1. 0:00 Introduction to Aging in Style
2. 00:44 Reflecting on the Past Year
3. 01:21 The Secret to Longevity: Stay Active
4. 04:25 Exploring Local Senior Centers
5. 05:05 Innovative Programs at Senior Centers
6. 06:58 Virtual Reality for Seniors
7. 09:25 Ways to Stay Involved and Active
8. 11:31 Conclusion and Call to Action

Episode Takeaways:

1. Getting involved can be as straightforward as joining your local senior center. These centers often provide a variety of activities that cater to different interests and physical capabilities.
2. For those who love exploring new frontiers, Flower Mound Senior Center's Virtual Reality Exploration Club, run in collaboration with the University of North Texas, offers immersive experiences from the comfort of their center.
3. For those who aren’t located in large metropolitan areas, opportunities for involvement and engagement still abound. Consider programs at local YMCAs, or joining church groups where you can form meaningful connections and serve others. Volunteering, such as delivering meals for Meals on Wheels, also offers you a chance to connect with your community while bringing joy to others.

Get my new book, 'Surrounded by Love: One's Family Journey Through Stroke Recovery': https://loriwilliams-seniorservices.com/book

To suggest a topic, be a guest or support the podcast, please email Lori@Loriwilliams-seniorservices.com

For more senior resources and to sign up for the newsletter, please visit:

https://www.facebook.com/LoriWilliamsSeniorServices/

https://www.instagram.com/theloriwilliams/

After 17 years in senior living, I've witnessed thousands of families navigating the emotional rollercoaster of finding the right care for their loved ones. Through it all, I’ve come to identify the 4 types of families: the deniers, the always-yes, the dysfunctional family, and the guilt-ridden family. And believe me, just about everybody fits into one category!

· The family in denial: This family doesn’t want to admit their loved one needs help or makes excuses for their behavior. They’ll often say they’re fine (when they’re not) and delay making a decision. Maybe they shut down when they become overwhelmed. Unfortunately, this can lead to disastrous results, so it’s important to weigh your options, of which there are many. Don’t ignore the signs your family member might be having trouble.

· The always-yes family: This family is quick to agree to anything and may not take the time to carefully consider all options - or the best fit for their loved ones. Many senior communities are great, but it doesn’t mean it’s great for your specific situation. Be sure to ask questions and understand the needs of your loved one. A local, reputable placement service can also help guide you.

· The dysfunctional family: This family has conflict and disagreements, mostly among the siblings, which can make it difficult to agree on a decision about senior living. Maybe one sibling is in denial and the other is fully onboard with moving their loved one to senior living.

· The guilt-ridden family: This family feels guilty about moving their loved one into senior living and may wait until there is an emergency before making the move. It’s not always easy changing your loved one’s routine, but their health is the most important factor.

Be aware of which type of family you have and the role you’re playing within it. Take the time to carefully consider all your options before making a decision about senior living. And I preach this all the time, you don’t have to do this alone, so consider working with a local placement specialist to help find the best fit for your loved one.

Topics discussed:

- Denial and guilt

- Senior living considerations

- Family feuds and disagreements

- Family dynamics

- Senior living placement services

- Family therapy

- Senior living as an act of love

Takeaways from this episode:

- If your mom lost weight or seems more forgetful, don’t put your head in the sand. Start putting together a plan, keeping in mind you have options.

- Senior communities aren’t one size fits all. Understand what your loved one needs and choose a community that best meets those needs. Placement services can help guide you.

- If you’re at odds with a loved one about how to care for your senior, consider using a therapist to help mediate and get on the same page.

- Don’t let guilt keep you from keeping your loved one safe. Change is hard but often necessary for safety.

Get my new book, 'Surrounded by Love: One's Family Journey Through Stroke Recovery': https://loriwilliams-seniorservices.com/book

To suggest a topic, be a guest or support the podcast, please email Lori@Loriwilliams-seniorservices.com

For more senior resources and to sign up for the newsletter, please visit: