How to Navigate Our Fragmented Medical System

Be prepared to advocate for yourself and for those you love

For three years, Lil Banchero’s 86-year-old mother struggled with pain due to advanced arthritis. She tried yoga. Doctors prescribed medications and tried injections. Nothing worked. The pain got worse, and her mother became depressed. 

“Months passed,” said Banchero. “Nobody was paying attention anymore.”

Finally, Banchero accompanied her mother to a doctor’s appointment and insisted, “There’s got to be something else out there we can try.” 

The doctor prescribed another medication, and that—combined with meditation, walking and yoga—finally made the pain manageable.

“My mother is a different person now,” Banchero said. “She went out and got a pedicure today. It’s been life changing.” 

Banchero knew how to advocate for her mother because she’s a nurse and program coordinator for the Institute for Healthy Aging at the Luminis Health Anne Arundel Medical Center in Annapolis, MD. But more and more older adults who are not medical professionals will need to learn that skill, too. That’s because, just as the population of older Americans is ballooning, several factors are conspiring to make getting good medical care even harder.

Older adults often have multiple chronic conditions involving a multitude of specialists. (A third of older adults see at least five different specialty medical providers each year.) The fragmented, siloed nature of the American health care system delegates the task of coordinating that care to primary care physicians (PCPs), who are overworked, pressed for time and in short supply. There’s an even greater dearth of geriatricians, who specialize in caring for older adults. And projections say it’s only going to get worse.

The bottom line: just showing up for appointments and following doctors’ orders doesn’t guarantee good care.

Said Banchero: “You’re the pilot of your own care.”

 Quarterbacking Care

That reality shocked Tina Sadarangani, PhD, an assistant professor at New York University’s Rory Meyers College of Nursing. When her parents developed serious health conditions, she discovered how much responsibility falls on patients and their families. Even though she’s always treated patients, and although both parents are retired physicians, quarterbacking their care has proven exhausting. 

Spurred by her experiences, Sadarangani created CareMobi, an app for coordinating care, and the Enlightened Caregiver, an Instagram with tips for patients and their care partners.

“We may not be able to fix the broken system, but we can figure out how to work within the system,” she said. 

Her advice: make the most of medical visits, which may run only five minutes. Consider recording conversations with the doctor to help remember details. Bring a family member or friend to the appointment.

“Plan your story ahead,” she said. “Lead with your most pressing problem and get the timeline of your symptoms straight with as many specifics as possible. It makes a big difference to your doctor if your cough has been going on for several months instead of two weeks, for example.” ⠀

When describing a symptom, Sadarangani said, tell the doctor how it’s affecting your ability to function. Instead of just saying “My back hurts,” be specific: “I was playing golf five times a week until this back pain started, and now I can’t get out of bed.” 

Keep track of basics, like your numbers if you have high cholesterol, and what direction they’re moving in. 

Specific information helps ensure the doctor doesn’t dismiss your symptoms as “just getting old,” Sadarangani added. 

“If you want the doctors to be proactive and to help you maintain the level of functioning you want, you need to be clear about that,” she said. “You need to say, ‘I want to be back in my golf game. What can you do to help me get there?’”  

If you have questions, write them down in advance and frame them carefully. 

“If you’re not precise with an ask, the physician is probably not going to pay attention,” Banchero said. 

Before leaving a doctor’s office, make sure you are clear on your next steps. If the doctor ordered a test, for example, ask: How and when will you get the results?  Depending on the test results, will you need another test, or to schedule another appointment? If you’ve seen the doctor for a new symptom or acute illness, ask when you should expect improvement, and what new or continued symptoms warrant a call to the doctor’s office or even a trip to the ER. Find out the best way to contact the doctor or a nurse after hours, if the need arises. Assume the ball is always in your court because, in most situations, it is. 

Consider yourself the central repository for your medical records. In theory, after an exam, each specialist sends the records to your primary care physician. Don’t count on that. If you see a specialist, follow up with your PCP’s office to confirm that the record was received and reviewed. Keep your own record of each visit, too.

Banchero encourages patients to educate themselves on some medical basics. For example, if you have high cholesterol, keep track of your numbers and understand what they mean. That way you’ll know whether you’re improving or getting worse and can discuss that with your doctor if needed. 

Many experts noted that patients can ask for an annual Wellness Visit—an extended, 45-minute visit, covered by Medicare, that includes a review of your medical and family history and current prescriptions, as well as advance care planning and a cognitive assessment. That in-depth visit can ensure that your health care plan is personalized. 

Managing Multiple Meds

In her previous job as executive director of a senior living community, Jenni Knutson, CDP, always made sure that residents were prepared for medical emergencies. Any time a resident was taken to the ER, Knutson handed paramedics a list of the person’s medications, insurance information and other documents. 

But that didn’t always work, as Knutson discovered when visiting a resident who’d been taken to the hospital in an ambulance and admitted. Family members were puzzled because the patient hadn’t eaten in days. When Knutson asked the nurse on duty at the hospital to check, they discovered that the patient’s medication record wasn’t updated in the hospital system. No one at the hospital was aware that the patient had been taking a strong anti-psychotic medication daily before she was admitted. As a result, the patient had gone “cold turkey” during the six days she’d been in the hospital, which explained the appetite loss. 

“Likely a doctor in the ER reviewed her medication list, then set it down on a counter, and no one updated the computer system,” said Knutson, who is now a senior life care manager with Olive Branch Seniors based in the Dallas, TX, area. 

Knutson said that many missteps in medical care for older adults relate to medications. About half of adults 65 and older report taking four or more prescription drugs daily. One study showed that one in seven cases of emergency department visits by older adults were medication related—and over three-quarters of them were preventable. Medication-related problems included adverse drug events (side effects) as well as those due to noncompliance—taking too much or too little of the medication, or stopping the drug entirely without medical supervision.

To help avoid these missteps, keep an updated list of all medications, including the name, dosage, date, number of refills and instructions (such as whether to take with or without food). That list should include prescriptions, over-the-counter medications, supplements and herbal remedies. 

Also, know that it’s also up to you to make sure every provider has the most updated list.

As you grow older, medication side effects can become more common or severe. Ask your doctors whether you really need all the drugs you’re taking. 

“Share your medication list with all of your health care providers, especially when you see a new doctor, get a new prescription or have a change in your condition,” said Erin Inman, PharmD, vice president of Corewell Health in Grand Rapids, MI. Ask the doctor to review the list for possible interactions. 

Pharmacists can also serve as an excellent resource between doctor visits, Inman adds. 

“Your pharmacist can answer any questions you may have,” she said. “You can request a review of your complete medication list for potential interactions or duplications. This is what pharmacists are trained to do.” (Call ahead to make sure the pharmacist has time to review the medications or to schedule a time.)

Inman recommends filling all your prescriptions at a single pharmacy, if possible. Anytime a new medication is prescribed, she advised, ask the doctor: “Is this medicine additive or is it replacing something else? How long do I need to take it—for a period of time or is it going to be lifelong?” 

Geriatricians review patients’ medication lists with an eye toward “deprescribing,” because side effects may become more common or severe as patients get older. Don’t hesitate to ask your doctor about this.

“You can ask your providers about de-prescribing, especially if you suspect a medication or medication interaction is causing an adverse symptom or no longer helping,” said Kylie Meyer, PhD, assistant professor at Bolton School of Nursing at Case Western Reserve University in Cleveland, OH. 

Enlisting Care Partners

Many experts advise bringing a care partner—a trusted friend or family member—along on appointments to serve as a second set of eyes and ears. That’s especially important for patients who may have cognitive impairment. Care partners can work with the primary provider to keep the dots connected, said Denise Lucas, PhD, clinical associate professor and chair of advanced practices at Duquesne University’s School of Nursing in Pittsburgh, PA.       

The care partner should also obtain access to the patient’s online medical records. Banchero can log onto her mother’s account for MyChart, the health care system’s patient portal, to check on test results and other developments. (Patients are permitted to share their log-in info if they so choose.) 

A care partner can be especially helpful for older patients who aren’t comfortable asking questions, said Erica Stevens, DO, department chief of primary care at Corewell Health in Grand Rapids, MI.

[Older adult patients] may feel like asking questions is disrespectful,” she said. “But it’s actually welcomed, from a provider’s lens, because I don’t know what’s happening in your home.” If a patient is forgetting things, or having trouble getting out of a chair, she wants to know, especially if the problem has worsened recently. 

For older adults without family nearby, some community agencies may be able to help with this role. “Contact your local Area Agency on Aging and request help from publicly funded Care Coordination Services,” said Dennis Meyers, PhD, chair for the residential care of older adults at Baylor University’s Garland School of Social Work in Waco, TX. “Organizations such as the Alzheimer’s Association and American Heart Association also offer guidance on how to access care.” 

Becoming Age-Friendly 

Some hospitals and clinics are working to improve care for older adults by becoming certified Age-Friendly Health Systems. That involves adopting practices centered on the “4Ms” of good geriatric care: What Matters, Medication, Mentation and Mobility: 

  • “What Matters” involves considering the older adult’s priorities in making treatment decisions—for example, honoring a 90-year-old patient’s desire to forego aggressive cancer treatment. Don’t hesitate to express your wishes to your doctor. 
  • “Medication” means considering your medicine and supplement needs and issues, as described earlier in this article.
  • “Mentation” issues, such as forgetfulness, can be dismissed by primary care physicians as part of normal aging. Ask for an assessment if you’re experiencing cognitive issues. 
  • “Mobility” is another area that primary care physicians might brush aside. If you’re having trouble getting around, ask about the possibility of physical therapy (which may help you regain or maintain physical function) or occupational therapy (which can help you adapt to changes in mobility and optimize functioning). 

As more hospitals adopt age-friendly measures, which Banchero’s hospital helped develop, more older patients will get the care they need in the future. But until they do, the onus falls on older adults and their care partners to be smart, educated and empowered. 

“We really do need to be advocates for ourselves,” she said. “There are so many phenomenal advancements in medicine today. I would never [accept], ‘It’s just because you’re old.’”

 

Poor Hearing Can Be Frustrating, but So Can Some Hearing Aids

They’re not well designed for those who need them most: older people

Only 29 percent of those who hear poorly use hearing aids. In this article, journalist Judith Graham explains why that’s true and why some older adults who do wear aids find them frustrating. She also rounds up advice from experts on how to avoid those frustrations. KFF Health News posted her story on February 28, 2024. It also ran on CBS News. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues.

It was an every-other-day routine, full of frustration.

Every time my husband called his father, who was 94 when he died in 2022, he’d wait for his dad to find his hearing aids and put them in before they started talking.

Even then, my father-in-law could barely hear what my husband was saying. “What?” he’d ask over and over.

Then, there were the problems my father-in-law had replacing the devices’ batteries. And the times he’d end up in the hospital, unable to understand what people were saying because his hearing aids didn’t seem to be functioning. And the times he’d drop one of the devices and be unable to find it.

How many older adults have problems of this kind?

There’s no good data about this topic, according to Nicholas Reed, PhD, an assistant professor of epidemiology at Johns Hopkins Bloomberg School of Public Health who studies hearing loss. He did a literature search when I posed the question and came up empty.

Reed co-authored the most definitive study to date of hearing issues in older Americans, published in JAMA Network Open last year. Previous studies excluded people 80 and older. But data became available when a 2021 survey by the National Health and Aging Trends Study included hearing assessments conducted at people’s homes.

The trend in hearing aids has been to make them smaller, more technologically sophisticated—and harder for many older people to use. 

The results, based on a nationally representative sample of 2,803 people 71 and older, are eye-opening. Hearing problems become pervasive with advancing age, exceeding 90 percent in people 85 and older, compared with 53 percent of 71- to 74-year-olds. Also, hearing worsens over time, with more people experiencing moderate or severe deficits once they reach or exceed age 80, compared with people in their 70s.

However, only 29 percent of those with hearing loss used hearing aids. Multiple studies have documented barriers that inhibit use. Such devices, which Medicare doesn’t cover, are pricey, from nearly $1,000 for a good over-the-counter set (OTC hearing aids became available in 2022) to more than $6,000 for some prescription models. In some communities, hearing evaluation services are difficult to find. Also, people often associate hearing aids with being old and feel self-conscious about wearing them. And they tend to underestimate hearing problems that develop gradually.

Barbara Weinstein, PhD, a professor of audiology at the City University of New York Graduate Center and author of the textbook Geriatric Audiology, added another concern to this list when I reached out to her: usability.

“Hearing aids aren’t really designed for the population that most needs to use them,” she told me. “The move to make devices smaller and more sophisticated technologically isn’t right for many people who are older.”

That’s problematic because hearing loss raises the risk of cognitive decline, dementia, falls, depression and social isolation.

What advice do specialists in hearing health have for older adults who have a hard time using their hearing aids? Here are some thoughts they shared.

Consider larger, customized devices. Many older people, especially those with arthritis, poor fine-motor skills, compromised vision and some degree of cognitive impairment, have a hard time manipulating small hearing aids and using them properly.

Lindsay Creed, AuD, associate director of audiology practices at the American Speech-Language-Hearing Association [ASHA], said about half of her older clients have “some sort of dexterity issue, whether numbness or reduced movement or tremor or a lack of coordination.” Shekinah Mast, AuD, owner of Mast Audiology Services in Seaford, DE, estimates nearly half of her clients have vision issues.

For clients with dexterity challenges, Creed often recommends “behind-the-ear hearing aids,” with a loop over the ear, and customized molds that fit snugly in the ear. Customized earpieces are larger than standardized models.

“The more dexterity challenges you have, the better you’ll do with a larger device and with lots of practice picking it up, orienting it and putting it in your ear,” said Marquitta Merkison, AuD. associate director of audiology practices at ASHA.

For older people with vision issues, Mast sometimes orders hearing aids in different colors for different ears. Also, she’ll help clients set up stands at home for storing devices, chargers and accessories so they can readily find them each time they need them.

Opt for ease of use. Instead of buying devices that require replacing tiny batteries, select a device that can be charged overnight and operate for at least a day before being recharged, recommended Thomas Powers, PhD, a consultant to the Hearing Industries Association. These are now widely available.

People who are comfortable using a smartphone should consider using a phone app to change volume and other device settings. Dave Fabry, PhD, chief hearing health officer at Starkey, a major hearing aid manufacturer, said he has patients in their 80s and 90s “who’ve found that being able to hold a phone and use larger visible controls is easier than manipulating the hearing aid.”

If that’s too difficult, try a remote control. GN ReSound, another major manufacturer, has designed one with two large buttons that activate the volume control and programming for its hearing aids, said Megan Quilter, AuD, the company’s lead audiologist for research and development.

Check out accessories. Say you’re having trouble hearing other people in restaurants. You can ask the person across the table to clip a microphone to his shirt or put the mike in the center of the table. (The hearing aids will need to be programmed to allow the sound to be streamed to your ears.)

Another low-tech option: a hearing aid clip that connects to a piece of clothing to prevent a device from falling to the floor if it becomes dislodged from the ear.

Wear your hearing aids all day. “The No. 1 thing I hear from older adults is they think they don’t need to put on their hearing aids when they’re at home in a quiet environment,” said Erika Shakespeare, CCC-A, who owns Audiology and Hearing Aid Associates in La Grande, OR.

That’s based on a misunderstanding. Our brains need regular, not occasional, stimulation from our environments to optimize hearing, Shakespeare explained. This includes noises in seemingly quiet environments, such as the whoosh of a fan, the creak of a floor or the wind’s wail outside a window.

“If the only time you wear hearing aids is when you think you need them, your brain doesn’t know how to process all those sounds,” she told me. Her rule of thumb: “Wear hearing aids all your waking hours.”

Consult a hearing professional. Everyone’s needs are different, so it’s a good idea to seek out an audiologist or hearing specialist who, for a fee, can provide guidance.

“Most older people are not going to know what they need” and what options exist without professional assistance, said Virginia Ramachandran, AuD, the head of audiology at Oticon, a major hearing aid manufacturer, and a past president of the American Academy of Audiology.

Her advice to older adults: be “really open” about your challenges.

If you can’t afford hearing aids, ask a hearing professional for an appointment to go over features you should look for in over-the-counter devices. Make it clear you want the appointment to be about your needs, not a sales pitch, Reed said. Audiology practices don’t routinely offer this kind of service, but there’s good reason to ask since Medicare started covering once-a-year audiologist consultations last year.

 

Where Are All the Geriatricians?

The shortage increases health risks for older people 

Even though he’s at retirement age, T.S. Dharmarajan, MD, continues to care for older patients as the clinical director of geriatrics at Montefiore Medical Center in Bronx, NY.  But he’s terrified of the possibility of becoming a patient himself one day.  

“I’m healthy now, but I’m scared to death when I think of the time when I’m going to be admitted to a hospital and taken care of by a hospitalist who has no [geriatric training],” he said. 

Dharmarajan knows he’s unlikely to receive care from a physician with geriatric expertise, because there aren’t enough of them now—and it’s only going to get worse. 

While the population of adults over 65 in the United States has exploded, the number of geriatric specialists has decreased, from 10,270 in 2000 to 7,300 in 2019, according to The Looming Geriatrician Shortage, a 2019 report that Dharmarajan co-authored with Paula Lester, MD, and Ele Weinstein, MD. 

The American Geriatrics Society estimates that about 30,000 geriatricians will be needed to provide high-quality care for the most vulnerable elderly by 2030. Yet about half of all fellowships in geriatrics in the United States continue to go unfilled every year, and there’s no sign the trend will reverse. 

“The need for expertly trained and passionate geriatric physicians is clear,” according to the 2019 report. 

Why Geriatricians Matter

Geriatricians are trained in caring for older patients, particularly those with frailty, cognitive decline (Alzheimer’s or other forms of dementia) or multiple medical issues. 

“The knowledge base that geriatricians have is very different than that of practitioners who are just taking care of older people,” said Dharmarajan, who is also a professor of medicine at Albert Einstein College of Medicine. “There’s a huge difference.” 

One reason why geriatricians are so essential: they understand the ways that physiology changes as people age. Most older people expect to eventually lose bone density and muscle mass and to experience a measure of vision and hearing loss. But other, more subtle changes occur with aging. As the COVID-19 pandemic demonstrated, aging is associated with lowered immune function and greater susceptibility to infection. Kidney function also declines with age. 

“One of the main drawbacks of not having robust geriatric training is the lack of understanding of the aging physiology,” said Diane Kerwin, MD, a geriatrician and Alzheimer’s researcher in Dallas, TX. “And usually in geriatrics, you are managing several chronic disease states as well as the aging body, with the focus on maintenance of function and independence.”

Many older adults live with multiple health issues, like hypertension, diabetes or heart disease. 

“If you have a 40-year-old patient who has pneumonia, you can just give them antibiotics, but if you have an 80-year-old with pneumonia and 10 other conditions, that’s much more complicated,” said Paula Lester, MD, director of the fellowship program in geriatric medicine at NYU Grossman Long Island School of Medicine and chair of the geriatrics task force for the New York chapter of the American College of Physicians.

Managing a chronic condition with an older patient is more complex. For younger patients with diabetes, for example, doctors typically focus on tightly controlling blood sugar levels, because high blood sugar can cause long-term problems like blindness, kidney problems and neuropathy. But that strategy doesn’t necessarily work for older patients, according to Barry Wu, MD, professor of medicine at Yale School of Medicine.

Older people respond to medications differently and sometimes develop different symptoms than those who are younger. 

“With an older person, if you have such tight control, you may put that person at more risk for low blood sugar, and low sugar can kill you,” he said. Plus, the long-term effects of high blood sugar may not take priority for a patient who’s unlikely to live another 10 or 20 years. 

Older patients metabolize medications differently and may experience more severe side effects. They may have difficulty taking medication according to directions. 

“You’ve got to weigh the risks and the benefits of the medicines,” Wu said. 

Without specialized care, older patients may be misdiagnosed, and treatable problems may be overlooked. Kerwin says it’s not uncommon for her to see patients whose cognitive impairment was previously dismissed by medical providers as normal aging and left untreated.

“It’s possible that the cognitive impairment could’ve been due to a thyroid problem, a B12 deficiency, a urinary tract infection or a series of small strokes,” she said. “These are treatable conditions.” 

Patients with undiagnosed Alzheimer’s or dementia may miss the benefits of early interventions, like medication that could have helped slow disease progression. 

Another subtlety of treating older patients: “Older adults have atypical presentations of conditions,” said Ele Weinstein, MD, associate professor of medicine at Albert Einstein College of Medicine. “There are differences in patterns of illness, and differences in conditions that older adults present with.”

For example, a younger patient with a urinary tract infection (UTI) will likely report classic symptoms like burning, pain or frequent urination. An older adult with a UTI might instead exhibit confusion or lethargy. 

Managing Multiple Conditions

Geriatricians follow the “Geriatric 5Ms,” their key focus issues: mind, mobility, medications, multi-complexity, and matters most. 

“Mind” refers to the importance of assessing mental acuity and recognizing conditions like dementia, delirium and depression. “Mobility” relates to fall prevention and optimizing gait and balance. “Medications” includes reducing polypharmacy (multiple medications), de-prescribing, and recognizing harmful side effects of medications. 

“Multi-complexity” involves managing multiple illnesses and conditions, as well as living environments and social concerns. “Matters most” refers to guiding patients’ care based on their values and priorities. 

Many geriatricians consider “de-prescribing” medications to be one of the most valuable functions of geriatricians. Patients with multiple health problems typically see several specialists who each prescribe medications. Geriatricians are trained to spot potential drug interactions—which are more common and more severe with older patients—and to weigh the benefits against the risks of each medication. 

“When you go to a doctor with a complaint, they give you a pill,” said Lester. “But if you go to a geriatrician with a complaint, they may take away a pill. It’s just a very different philosophy.” 

Lester adds that geriatricians are much better at prognostication.

“That’s basically looking at a patient and their lives and their condition and their whole situation and figuring out, ‘Are they going to get better? Are they safe to go back to where they were before? Are they going to recover from this illness? Do they need hospice?’” said Lester. “I do that somehow in my head, quickly and accurately. In general, geriatricians are much, much better at prognosticating. That is so important for the people who want to know what their life expectancy is, what that time will look like, and then they can decide how they want to spend it.”

Why the Shortage

Since the publication of their 2019 report, the co-authors say they have not seen sufficient change to increase the supply of geriatricians. Dharmarajan noted that he created the geriatric medicine fellowship program in 1991 at Our Lady of Mercy Medical Center in the Bronx, currently Montefiore Medical Center (Wakefield Campus), where he also serves as professor of medicine. “In the first 10 to 15 years, there was no problem filling those fellowships, but we have seen a very clear decline in the number of applicants in the last 15 years,” he said. 

Lester said geriatrics has a “PR problem” that discourages medical students from choosing the field. Most students complete their geriatric rotations in hospitals, where patients are typically very ill and unlikely to recover. However, geriatricians themselves report some of the highest levels of social satisfaction among medical specialties, citing the relationships they build with their older adult patients, the more holistic approach of geriatric medicine and even the challenge of handling medically complex cases.

Geriatricians spend more time with each patient. Because virtually all their patients are on Medicare, geriatricians are paid at Medicare rates—generally lower than regular health insurance. As a result, geriatrics ranks as the fourth-lowest-paid medical specialty, only slightly more than pediatrics, medical genetics and family medicine. 

Another factor is the rise in the number of hospitalist positions. Hospitalists are doctors who provide primary care for patients while they’re hospitalized. The term was coined in 1996 when there were a few thousand hospitalists in the United States. Now there are more than 50,000. 

“It’s easy now for a medical student to finish three years of residency and just become a hospitalist with fixed hours and a very attractive salary,” Dharmarajan said. “Why waste one more year for a fellowship for geriatric medicine, and then deal with all the very complex illnesses that older people have and work for less money?” 

Facing the Future 

Some medical schools are looking to help fill the gap by adding geriatric training as part of their medical education. 

“We won’t be able to train enough geriatricians, so the goal is to train other professionals throughout medical school in geriatrics,” said Wu, who directs the introductory and final courses at Yale School of Medicine. 

In the intro course, students take their first medical history on older adult patients, beginning with an assessment of the patient’s values. Students are introduced to basic concepts of geriatrics, including patient priorities care—identifying patients’ goals and values, which ultimately guide their care.

Lester also hopes that hospital administrators will recognize the cost-savings potential of geriatric expertise.  

“What do hospitals worry about?” Lester said. “They don’t like falls. They don’t like readmissions. They don’t like people dying [outside of] hospice. They don’t like pressure ulcers or delirium. Those are all geriatric things. That’s literally what we do.” 

Health Risks Mount When Seniors Are Stranded in the ER

And that happens even more often now than when COVID was rampant

It’s called “boarding” when patients who have come to an emergency room spend hours and hours, lying on a gurney in a hallway, waiting for a bed in the hospital. Studies show that seniors who have been boarded don’t do as well once they’re admitted and run a higher risk of dying. For this article, journalist Judith Graham interviewed ER doctors and others about why boarding is happening much more often now and what patients can do to protect themselves. KFF Health News posted her article on May 6, 2024, and it also ran on CNN. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues. 

   

Every day, the scene plays out in hospitals across America: older men and women lie on gurneys in emergency room corridors, moaning or suffering silently as harried medical staff attend to crises.

Even when physicians determine these patients need to be admitted to the hospital, they often wait for hours—sometimes more than a day—in the ER in pain and discomfort, not getting enough food or water, not moving around, not being helped to the bathroom and not getting the kind of care doctors deem necessary.

“You walk through ER hallways, and they’re lined from end to end with patients on stretchers in various states of distress calling out for help, including a number of older patients,” said Hashem Zikry, MD, an emergency medicine physician at UCLA Health.

Physicians who staff emergency rooms say this problem, known as ER boarding, is as bad as it’s ever been—even worse than during the first years of the COVID-19 pandemic, when hospitals filled with desperately ill patients.

While boarding can happen to all ER patients, adults 65 and older, who account for nearly 20 percent of ER visits, are especially vulnerable during long waits for care. Also, seniors may encounter boarding more often than other patients. The best estimates I could find, published in 2019, before the COVID-19 pandemic, suggest that 10 percent of patients were boarded in ERs before receiving hospital care. About 30 to 50 percent of these patients were older adults.

“It’s a public health crisis,” said Aisha Terry, MD, an associate professor of emergency medicine at George Washington University School of Medicine and Health Sciences and the president of the board of the American College of Emergency Physicians, which sponsored a summit on boarding in September.

Older adults forced to wait in the ER overnight are more likely to die after they’re finally admitted to the hospital.

What’s going on? I spoke to almost a dozen doctors and researchers who described the chaotic situation in ERs. They told me staff shortages in hospitals, which affect the number of beds available, are contributing to the crisis. Also, they explained, hospital administrators are setting aside more beds for patients undergoing lucrative surgeries and other procedures, contributing to bottlenecks in ERs and leaving more patients in limbo.

Then, there’s high demand for hospital services, fueled in part by the aging of the US population, and backlogs in discharging patients because of growing problems securing home health care and nursing home care, according to Arjun Venkatesh, MD, chair of emergency medicine at the Yale School of Medicine.

The impact of long ER waits on seniors who are frail, with multiple medical issues, is especially serious. Confined to stretchers, gurneys, or even hard chairs, often without dependable aid from nurses, they’re at risk of losing strength, forgoing essential medications and experiencing complications such as delirium, according to Saket Saxena, MD, a co-director of the geriatric emergency department at the Cleveland Clinic.

When these patients finally secure a hospital bed, their stays are longer and medical complications more common. And new research finds that the risk of dying in the hospital is significantly higher for older adults when they stay in ERs overnight, as is the risk of adverse events such as falls, infections, bleeding, heart attacks, strokes and bedsores.

Ellen Danto-Nocton, MD, a geriatrician in Milwaukee, was deeply concerned when an 88-year-old relative with “stroke-like symptoms” spent two days in the ER a few years ago. Delirious, immobile and unable to sleep as alarms outside his bed rang nonstop, the older man spiraled downward before he was moved to a hospital room. “He really needed to be in a less chaotic environment,” Danto-Nocton said.

Several weeks ago, Zikry of UCLA Health helped care for a 70-year-old woman who’d fallen and broken her hip while attending a basketball game. “She was in a corner of our ER for about 16 hours in an immense amount of pain that was very difficult to treat adequately,” he said. ERs are designed to handle crises and stabilize patients, not to “take care of patients who we’ve already decided need to be admitted to the hospital,” he said.

Boarding is an issue that needs to be addressed with changes in the health system and in health policies. 

How common is ER boarding and where is it most acute? No one knows, because hospitals aren’t required to report data about boarding publicly. The Centers for Medicare & Medicaid Services retired a measure of boarding in 2021. New national measures of emergency care capacity have been proposed but not yet approved.

“It’s not just the extent of ED boarding that we need to understand. It’s the extent of acute hospital capacity in our communities,” said Venkatesh of Yale, who helped draft the new measures.

In the meantime, some hospital systems are publicizing their plight by highlighting capacity constraints and the need for more hospital beds. Among them is Massachusetts General Hospital in Boston, which announced in January that ER boarding had risen 32 percent from October 2022 to September 2023. At the end of that period, patients admitted to the hospital spent a median of 14 hours in the ER and 26 percent spent more than 24 hours.

Maura Kennedy, MD, Mass General’s chief of geriatric emergency medicine, described an 80-something woman with a respiratory infection who languished in the ER for more than 24 hours after physicians decided she needed inpatient hospital care.

“She wasn’t mobilized, she had nothing to cognitively engage her, she hadn’t eaten and she became increasingly agitated, trying to get off the stretcher and arguing with staff,” Kennedy told me. “After a prolonged hospital stay, she left the hospital more disabled than she was when she came in.”

When I asked ER doctors what older adults could do about these problems, they said boarding is a health system issue that needs health system and policy changes. Still, they had several suggestions.

Be prepared to wait when you come to an ER…. Bring a medication list and your medications, if you can.

—Alexander Janke, MD

“Have another person there with you to advocate on your behalf,” said Jesse Pines, MD, chief of clinical innovation at US Acute Care Solutions, the nation’s largest physician-owned emergency medicine practice. And have that person speak up if they feel you’re getting worse or if staffers are missing problems.

Alexander Janke, MD, a clinical instructor of emergency medicine at the University of Michigan, advises people, “Be prepared to wait when you come to an ER” and “Bring a medication list and your medications, if you can.”

To stay oriented and reduce the possibility of delirium, “make sure you have your hearing aids and eyeglasses with you,” said Michael Malone, MD, medical director of senior services for Advocate Aurora Health, a 20-hospital system in Wisconsin and northern Illinois. “Whenever possible, try to get up and move around.”

Friends or family caregivers who accompany older adults to the ER should ask to be at their bedside, when possible, and “try to make sure they eat, drink, get to the bathroom and take routine medications for underlying medical conditions,” Malone said.

Older adults or caregivers who are helping them should try to bring “things that would engage you cognitively: magazines, books … music, anything that you might focus on in a hallway where there isn’t a TV to entertain you,” Kennedy said.

“Experienced patients often show up with eye masks and ear plugs” to help them rest in ERs with nonstop stimulation, said Zikry of UCLA. “Also, bring something to eat and drink in case you can’t get to the cafeteria or it’s a while before staffers bring these to you.”

Are You Trapped in Your Medicare Advantage Plan?

Getting out of it by switching to traditional Medicare can be a problem

Today, the majority of Americans who are eligible for Medicare choose a Medicare Advantage plan, rather than traditional Medicare. Some come to regret it. Journalist Sarah Jane Tribble explains why in this article written for KFF Health News. If you decide to change from an Advantage plan to traditional Medicare, you’ll need Medigap supplemental insurance as well, to cover what Medicare doesn’t. If you have pre-existing medical conditions, Medigap plans may reject you or charge higher premiums. KFF Health News posted Tribble’s story on January 5 and it also ran on NPR. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues. 

In 2016, Richard Timmins went to a free informational seminar to learn more about Medicare coverage.

“I listened to the insurance agent and, basically, he really promoted Medicare Advantage,” Timmins said. The agent described less expensive and broader coverage offered by the plans, which are funded largely by the government but administered by private insurance companies.

For Timmins, who is now 76, it made economic sense then to sign up. And his decision was great for a while.

Then, three years ago, he noticed a lesion on his right earlobe.

“I have a family history of melanoma. And so, I was kind of tuned in to that and thinking about that,” Timmins said of the growth, which doctors later diagnosed as malignant melanoma. “It started to grow and started to become rather painful.”

Timmins, though, discovered that his enrollment in a Premera Blue Cross Medicare Advantage plan would mean a limited network of doctors and the potential need for pre-approval, or prior authorization, from the insurer before getting care. The experience, he said, made getting care more difficult, and now he wants to switch back to traditional, government-administered Medicare.

But he can’t. And he’s not alone.

“I have very little control over my actual medical care,” he said, adding that he now advises friends not to sign up for the private plans. “I think that people are not understanding what Medicare Advantage is all about.”

Enrollment in Medicare Advantage plans has grown substantially in the past few decades, enticing more than half of all eligible people, primarily those 65 or older, with low premium costs and perks like dental and vision insurance. And as the private plans’ share of the Medicare patient pie has ballooned to 30.8 million people, so too have concerns about the insurers’ aggressive sales tactics and misleading coverage claims.

Roughly half of beneficiaries leave their Medicare Advantage plan within five years. Most of them switch to a different Medicare Advantage plan. 

Enrollees, like Timmins, who sign on when they are healthy, can find themselves trapped as they grow older and sicker.

“It’s one of those things that people might like them on the front end because of their low to zero premiums and if they are getting a couple of these extra benefits—the vision, dental, that kind of thing,” said Christine Huberty, a lead benefit specialist supervising attorney for the Greater Wisconsin Agency on Aging Resources.

“But it’s when they actually need to use it for these bigger issues,” Huberty said, “that’s when people realize, ‘Oh no, this isn’t going to help me at all.’”

Medicare pays private insurers a fixed amount per Medicare Advantage enrollee and in many cases also pays out bonuses, which the insurers can use to provide supplemental benefits. Huberty said those extra benefits work as an incentive to “get people to join the plan” but that the plans then “restrict the access to so many services and coverage for the bigger stuff.”

David Meyers, PhD, assistant professor of health services, policy, and practice at the Brown University School of Public Health, analyzed a decade of Medicare Advantage enrollment and found that about 50 percent of beneficiaries—rural and urban—left their contract by the end of five years. Most of those enrollees switched to another Medicare Advantage plan rather than traditional Medicare.

In the study, Meyers and his co-authors muse that switching plans could be a positive sign of a free marketplace but that it could also signal “unmeasured discontent” with Medicare Advantage.

“The problem is that once you get into Medicare Advantage, if you have a couple of chronic conditions and you want to leave Medicare Advantage, even if Medicare Advantage isn’t meeting your needs, you might not have any ability to switch back to traditional Medicare,” Meyers said.

When people try to switch from a Medicare Advantage plan to traditional Medicare, Medigap plans can charge them more if they have a pre-existing condition or deny them coverage altogether. 

Traditional Medicare can be too expensive for beneficiaries switching back from Medicare Advantage, he said. In traditional Medicare, enrollees pay a monthly premium and, after reaching a deductible, in most cases are expected to pay 20 percent of the cost of each nonhospital service or item they use. And there is no limit on how much an enrollee may have to pay as part of that 20 percent coinsurance if they end up using a lot of care, Meyers said.

To limit what they spend out-of-pocket, traditional Medicare enrollees typically sign up for supplemental insurance, such as employer coverage or a private Medigap policy. If they are low-income, Medicaid may provide that supplemental coverage.

But, Meyers said, there’s a catch: while beneficiaries who enrolled first in traditional Medicare are guaranteed to qualify for a Medigap policy without pricing based on their medical history, Medigap insurers can deny coverage to beneficiaries transferring from Medicare Advantage plans or base their prices on medical underwriting.

Only four states—Connecticut, Maine, Massachusetts and New York—prohibit insurers from denying a Medigap policy if the enrollee has pre-existing conditions such as diabetes or heart disease.

Paul Ginsburg, PhD, is a former commissioner on the Medicare Payment Advisory Commission, also known as MedPAC. It’s a legislative branch agency that advises Congress on the Medicare program. He said the inability of enrollees to easily switch between Medicare Advantage and traditional Medicare during open enrollment periods is “a real concern in our system; it shouldn’t be that way.”

The federal government offers specific enrollment periods every year for switching plans. During Medicare’s open enrollment period, from Oct. 15 to Dec. 7, enrollees can switch out of their private plans to traditional, government-administered Medicare.

Medicare Advantage enrollees can also switch plans or transfer to traditional Medicare during another open enrollment period, from Jan. 1 to March 31. 

A recent federal review found that the directories of almost half of Medicare Advantage plans gave inaccurate information on the providers in their network.

“There are a lot of people that say, ‘Hey, I’d love to come back, but I can’t get Medigap anymore, or I’ll have to just pay a lot more,’” said Ginsburg, who is now a professor of health policy at the University of Southern California.

Timmins is one of those people. The retired veterinarian lives in a rural community on Whidbey Island just north of Seattle. It’s a rugged, idyllic landscape and a popular place for second homes, hiking and the arts. But it’s also a bit remote.

While it’s typically harder to find doctors in rural areas, Timmins said he believes his Premera Blue Cross plan made it more challenging to get care for a variety of reasons, including the difficulty of finding and getting in to see specialists.

Nearly half of Medicare Advantage plan directories contained inaccurate information on what providers were available, according to the most recent federal review. Beginning in 2024, new or expanding Medicare Advantage plans must demonstrate compliance with federal network expectations or their applications could be denied.

Amanda Lansford, a Premera Blue Cross spokesperson, declined to comment on Timmins’ case. She said the plan meets federal network adequacy requirements as well as travel time and distance standards “to ensure members are not experiencing undue burdens when seeking care.”

Traditional Medicare allows beneficiaries to go to nearly any doctor or hospital in the United States, and in most cases enrollees do not need approval to get services.

Timmins, who recently finished immunotherapy, said he doesn’t think he would be approved for a Medigap policy, “because of my health issue.” And if he were to get into one, Timmins said, it would likely be too expensive.

For now, Timmins said, he is staying with his Medicare Advantage plan.

“I’m getting older. More stuff is going to happen.”

There is also a chance, Timmins said, that his cancer could resurface: “I’m very aware of my mortality.”

 

About 25 Percent of Older Adults in the United States Will Fall Within the Next Year

There are many ways to prevent falls, including training to improve balance

At the end of each appointment, Jo Ann Battles’ cardiologist offers a “thought for the day.” Four years ago, it was this tongue-in-cheek advice: “Whatever you do, don’t fall.” 

Battles didn’t think much about it. At the time, she was still going to the gym four times a week. But now, she says, “Those words haunt me.” 

About a year ago, before he died, her husband fell and spent a month in the hospital.  And Battles, 87, fell herself several times in the last few years, ending up in the ER three times. Two times she got stitches; the third required an MRI.  

She recovered, but now the fear of falling keeps her at home much of the time. As someone who worked until age 74—and exercised regularly until about a year ago—the changes haven’t been easy. 

“Falling has changed a lot of things for me,” Battles said. 

Unfortunately, her situation is far from unusual. Every second of every day in the United States, according to the CDC, an older adult suffers a fall. Over the course of a year, about one in four of all older adults will fall. While most just end up with bruises, about 3 million go to an emergency department. More than 32,000 deaths annually result from falls. 

“Falls are the leading cause of injury and deaths [from injuries] among people 65 and older and represent a significant public health burden,” according to Kartik Prabhakaran, MD, section chief of trauma and acute care surgery at Westchester Medical Center Health Network in Valhalla, NY. “And when older people fall, they are at risk for falling again.”

As  you grow older, ground-level falls are more likely to cause significant injuries.

Many age-related factors contribute to older adults’ tendency to fall. People lose muscle mass as they age. Reflexes are slower. Balance becomes impaired. Medications, or combinations of medication, can cause dizziness. Conditions like Parkinson’s or orthostasis (a sudden drop in blood pressure when standing) can trigger falls. Even vision loss and hearing loss can contribute to the risk.

When they do fall, older adults are more likely to become injured, according to Megan Sorich, DO, a surgeon who specializes in orthopedic geriatric trauma at UT Southwestern Medical Center in Dallas. Sorich focuses on “fragility fractures,” where factors like osteoporosis contribute to a broken bone as much as the fall itself. Typically, they’re ground-level falls that would not cause significant injury in a younger person. 

“Bones get more fragile as we age,” she said. “Sometimes all it takes is a minor fall to cause a fracture. And many older adults take blood thinners, which can cause bleeding or bruising.” 

Falls can trigger a cascade of problems that lead to permanent disability or death, Prabhakaran added. Older adults who are hospitalized for a fall often have underlying conditions, making complications more likely and recovery more problematic. Being confined to bed, even just for a few weeks, can cause muscle loss or pneumonia.  

Hip fractures—about 95 percent of which are caused by falls in older adults—are especially problematic.

“About half of people who break their hip will inherit a new mobilization device,” Sorich said. “A person using a cane will start using a walker for the rest of their life. A person using a walker will upgrade to a wheelchair for the rest of their life.” 

Avoiding the ‘Long Lie’

Just as she reached to place her iPhone on its charger, Jane, 88, tumbled to the floor. She broke her hip and couldn’t get up. Even though she regularly used devices that could detect falls and call for help—an iPhone and Apple Watch—they were out of reach. Jane (not her real name) remained on the floor for hours until her worried daughter turned up. 

Jane has since recovered. But even with all the advances in life-alert and fall-detection technologies, her ordeal is not that uncommon. Researchers call this a “long lie,” an instance where the older adult ends up on the floor, unable to call for help for more than an hour. It happens to up to 20 percent of older adults who fall. A long lie can traumatize an older adult, lead to dehydration, trigger a strong fear of falling and, ultimately, a loss of independence.   

Technology helps when falls occur. GPS-based systems allow emergency responders to locate an individual who has fallen outside of their home. An Apple Watch can detect falls and place a 911 call. 

“However, these devices can be challenging for older adults with dementia, who might not remember they are wearing a device and call for help when they need it,” said Tina Sadarangani, PhD, an assistant professor at New York University’s Rory Meyers College of Nursing. 

Many older adults in under-resourced communities aren’t even aware these devices exist or can’t afford them, according to Rebekah Mulligan, MD, an internal and geriatric medicine physician at Texas Health Harris Methodist Hospital in Southlake, TX. 

“The service to connect a lifealert device runs about $25 a month,” she said. “That is a lot of money for some folks.” 

Preventing Falls

Prevention is the best way to avoid falls, according to Mulligan. She spends a lot of time talking about falls with medical students she teaches on their internal medicine rotations. 

“Most primary care physicians do not check for gait and balance issues,” she said. “We check that at least once a year for our patients 65 and up. We also ask our patients, ‘Are you afraid of falling?’”  

She encourages her patients to get vision and hearing checks and to wear closed-toe shoes that are secure on the foot (no flip-flops or slip-ons.) She reviews their medications to eliminate or reduce the dosage, where possible, of any that might cause dizziness. She also encourages patients to take up tai chi, yoga and Pilates, which can strengthen balance and help prevent falls. 

Older adults can also reduce their fall risk through community-based programs like A Matter of Balance, which teaches exercises to increase strength and balance and shares tips for safe habits, like turning on a light for a night-time bathroom trip—a common time for falls. 

Andrew Crocker is a gerontology and health specialist for Texas A&M AgriLife Extension Service. He leads A Matter of Balance in the Amarillo, TX, area, as well as Bingocize, a newer program that combines Bingo with exercises and health-education tips. The programs’ biggest benefits, he believes, are building confidence to break “the fall cycle,” in which a fall triggers fear of falling, leading an older adult to stay home and become more sedentary, which leads to loss of strength and reduced functionality, and further increases the risk of a fall.  

“The message is, ‘You’re not a passive participant in this,’” Crocker said. “Falling is not your fate just because you’re 85. There are some things you can control about the situation.” 

Some researchers are developing virtual-reality programs to train patients in how to react if they trip.

Evidence confirms the value of traditional balance training. But older adults with significant balance issues may benefit more from specialized physical therapy in a lab or clinic setting. Reactive balance training, for example, teaches patients to react to unexpected obstacles or trip hazards; research suggests it’s more effective than traditional exercises. Similarly, floor-rise training teaches techniques for getting up after a fall while also strengthening muscles.

Researchers are exploring ways to better understand why older adults fall, which will ultimately allow providers to pinpoint more specific and effective interventions, according to Adam Goodworth, PhD, professor of kinesiology at Westmont College in Santa Barbara, CA. 

The neural systems that allow humans to react to a fall hazard are extraordinarily complex, involving three systems of sensory feedback: vision, vestibular (inner ear) and somatosensory (touch), which includes proprioception—the ability to judge and react to the body’s position. All of these tend to become less robust with age, Goodworth said, as does the ability to quickly react to that feedback with the right muscle movements to avoid a fall. 

Researchers are developing balance-training interventions using virtual reality or augmented reality that may offer advantages over traditional balance programs.

Virtual reality could simulate what physical therapists call perturbations—unexpected obstacles or situations that can trigger a fall—allowing patients to practice and improve their ability to react. 

“As the virtual technology gets more affordable, eventually people will be able to upload programs prescribed specifically for them, and use them in their own homes,” said Maury Hayashida, DPT, owner of Hayashida Physical Therapy in Santa Barbara, CA.

Improving Outcomes 

When older adults do fall, 22 percent of those who end up in the hospital won’t be able to return to independent functioning. Some hospitals are looking to change that. 

Sorich heads a clinic called RESTORE (Returning Seniors to Orthopedic Excellence), launched in 2021 at UT Southwestern Medical Center. RESTORE targets older patients with hip and other fragility fractures and coordinates care by a team of specialists in geriatric medicine, internal medicine, emergency medicine, anesthesiology, pain management, nutrition and physical therapy. 

“The longer someone is in bed with a broken bone, the more muscle mass they lose and the less likely they are to get up and walk,” Sorich said. “They’re more likely to develop skin ulcers or pneumonia or other medical problems. We want to fix the break and get them up again as soon as we are medically able.”

At Westchester, Prabhakaran leads an initiative to help prevent recidivism—repeat falls that bring patients back to the hospital. Patients over 65 who are at Westchester due to falls undergo screening and assessment, including a medication review, gait and balance evaluation, hearing and vision screenings and a home-safety assessment. They also receive educational resources and ongoing follow-up. Hospital physicians collaborate with physical and occupational therapy to help patients address balance or strength issues that contributed to their falls. 

“Our number one goal is to make sure patients are supported when they transition from the hospital to home, to make sure they have enough support in terms of daily function,” Prabhakaran said. “At the same time, we help them look for ways to reduce their risk of falling, whether it’s identifying and removing hazards in their home or choosing better footwear.” 

Jo Ann Battles didn’t get that kind of follow-up at the hospital where she was treated. But she plans to ask her physician about physical therapy at her next appointment. 

Meanwhile, she’s adjusting. She misses being able to head out for a walk in her neighborhood or a visit to the corner store. 

She has taken some steps to stay safe. She removed most of the rugs in her home and decluttered many of her belongings. She traded her high-heeled shoes—a lifelong habit, given her 4’11” height—for sneakers. (“Now I’m looking at everybody’s belt buckle,” she jokes.) When she does leave the house, always with a family member or friend, she uses a cane. 

“I just try to be as aware of my environment as I can,” she said. 

 

 

Do We Simply Not Care about Older People?

Three out of four killed by COVID were older adults. Where’s the outrage?

Journalist Judith Graham asked herself that question as she contemplated COVID’s devastating impact on older Americans. Why isn’t everybody blown away by what happened and by how little is still being done to protect older people? Looking for answers, she interviewed policy makers, researchers and health care professionals. KFF Health News posted her article on February 9, 2024, and it also ran on CNN. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues. 

The COVID-19 pandemic would be a wake-up call for America, advocates for the elderly predicted: incontrovertible proof that the nation wasn’t doing enough to care for vulnerable older adults.

The death toll was shocking, as were reports of chaos in nursing homes and seniors suffering from isolation, depression, untreated illness and neglect. Around 900,000 older adults have died of COVID-19 to date, accounting for three of every four Americans who have perished in the pandemic.

But decisive actions that advocates had hoped for haven’t materialized. Today, most people—and government officials—appear to accept COVID as a part of ordinary life. Many seniors at high risk aren’t getting antiviral therapies for COVID, and most older adults in nursing homes aren’t getting updated vaccines. Efforts to strengthen care quality in nursing homes and assisted living centers have stalled amid debate over costs and the availability of staff. And only a small percentage of people are masking or taking other precautions in public despite a new wave of COVID, flu and respiratory syncytial virus [RSV]infections hospitalizing and killing seniors.

In the last week of 2023 and the first two weeks of 2024 alone, 4,810 people 65 and older lost their lives to COVID—a group that would fill more than 10 large airliners—according to data provided by the CDC. But the alarm that would attend plane crashes is notably absent. (During the same period, the flu killed an additional 1,201 seniors, and RSV killed 126.)

“It boggles my mind that there isn’t more outrage,” said Alice Bonner, 66, senior adviser for aging at the Institute for Healthcare Improvement. “I’m at the point where I want to say, ‘What the heck? Why aren’t people responding and doing more for older adults?’”

It’s a good question. Do we simply not care?

I put this big-picture question, which rarely gets asked amid debates over budgets and policies, to health care professionals, researchers, and policy makers who are older themselves and have spent many years working in the aging field. Here are some of their responses.

The pandemic made things worse. Prejudice against older adults is nothing new, but “it feels more intense, more hostile” now than previously, said Karl Pillemer, PhD, 69, a professor of psychology and gerontology at Cornell University.

“I think the pandemic helped reinforce images of older people as sick, frail and isolated—as people who aren’t like the rest of us,” he said. “And human nature being what it is, we tend to like people who are similar to us and be less well disposed to ‘the others.’”

“A lot of us felt isolated and threatened during the pandemic. It made us sit there and think, ‘What I really care about is protecting myself, my wife, my brother, my kids and screw everybody else,’” said W. Andrew Achenbaum, PhD, 76, the author of nine books on aging and a professor emeritus at Texas Medical Center in Houston.

In an environment of “us against them,” where everybody wants to blame somebody, Achenbaum continued, “who’s expendable? Older people who aren’t seen as productive, who consume resources believed to be in short supply. It’s really hard to give old people their due when you’re terrified about your own existence.”

Although COVID continues to circulate, disproportionately affecting older adults, “people now think the crisis is over, and we have a deep desire to return to normal,” said Edwin Walker, 67, who leads the Administration on Aging at the Department of Health and Human Services. He spoke as an individual, not a government representative.

The upshot is “we didn’t learn the lessons we should have,” and the ageism that surfaced during the pandemic hasn’t abated, he observed.

Ageism is pervasive. “Everyone loves their own parents. But as a society, we don’t value older adults or the people who care for them,” said Robert Kramer, MDiv, 74, co-founder and strategic adviser at the National Investment Center for Seniors Housing & Care.

Kramer thinks boomers are reaping what they have sown. “We have chased youth and glorified youth. When you spend billions of dollars trying to stay young, look young, act young, you build in an automatic fear and prejudice of the opposite.”

Combine the fear of diminishment, decline and death that can accompany growing older with the trauma and fear that arose during the pandemic, and “I think COVID has pushed us back in whatever progress we were making in addressing the needs of our rapidly aging society. It has further stigmatized aging,” said John Rowe, MD, 79, professor of health policy and aging at Columbia University’s Mailman School of Public Health.

“The message to older adults is, ‘Your time has passed, give up your seat at the table, stop consuming resources, fall in line,’” said Anne Montgomery, 65, a health policy expert at the National Committee to Preserve Social Security and Medicare. She believes, however, that Baby Boomers can “rewrite and flip that script if we want to and if we work to change systems that embody the values of a deeply ageist society.”

Integration, not separation, is needed. The best way to overcome stigma is “to get to know the people you are stigmatizing,” said G. Allen Power, MD, 70, a geriatrician and the chair in aging and dementia innovation at the Schlegel-University of Waterloo Research Institute for Aging in Canada. “But we separate ourselves from older people so we don’t have to think about our own aging and our own mortality.”

The solution: “We have to find ways to better integrate older adults in the community as opposed to moving them to campuses where they are apart from the rest of us,” Power said. “We need to stop seeing older people only through the lens of what services they might need and think instead of all they have to offer society.”

That point is a core precept of the National Academy of Medicine’s 2022 report, Global Roadmap for Healthy Longevity. Older people are a “natural resource” who “make substantial contributions to their families and communities,” the report’s authors write in introducing their findings.

Those contributions include financial support to families, caregiving assistance, volunteering, and ongoing participation in the workforce, among other things.

“When older people thrive, all people thrive,” the report concludes.

Future generations will get their turn. That’s a message Kramer conveys in classes he teaches at the University of Southern California, Cornell and other institutions. “You have far more at stake in changing the way we approach aging than I do,” he tells his students. “You are far more likely, statistically, to live past 100 than I am. If you don’t change society’s attitudes about aging, you will be condemned to lead the last third of your life in social, economic and cultural irrelevance.”

As for himself and the Baby Boom generation, Kramer thinks it’s “too late” to effect the meaningful changes he hopes the future will bring.

“I suspect things for people in my generation could get a lot worse in the years ahead,” Pillemer said. “People are greatly underestimating what the cost of caring for the older population is going to be over the next 10 to 20 years, and I think that’s going to cause increased conflict.”

Should Older People Take the New Weight Loss Drugs?

Not much is known about their long-term effects on those 65 and over 

The new drugs being used to help people lose weight seem like game changers, but the studies done on them haven’t included enough older adults, which raises lots of questions. In this article, journalist Judith Graham explains what’s making some doctors think twice before prescribing the new medications for their older patients. KFF Health News posted her article on July 25, 2023, and it also ran on the Washington Post. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues.

Corlee Morris has dieted throughout her adult life.

After her weight began climbing in high school, she spent years losing 50 or 100 pounds then gaining it back. Morris, 78, was at her heaviest in her mid-40s, standing 5 feet 10½ inches and weighing 310 pounds. The Pittsburgh resident has had diabetes for more than 40 years.

Managing her weight was a losing battle until Morris’ doctor prescribed a Type 2 diabetes medication, Ozempic, four months ago. It’s one in a new category of medications changing how ordinary people as well as medical experts think about obesity, a condition that affects nearly four in 10 people 60 and older.

The drugs include Ozempic’s sister medication, Wegovy, a weight loss drug with identical ingredients, which the FDA approved in 2021, and Mounjaro, approved as a diabetes treatment in 2022. (Ozempic was approved for diabetes in 2017.) Several other drugs are in development.

The medications reduce feelings of hunger, generate a sensation of fullness and have been shown to help people lose an average of 15 percent or more of their weight.

“It takes your appetite right away. I wasn’t hungry at all and I lost weight like mad,” said Morris, who has shed 40 pounds.

But how these medications will affect older adults in the long run isn’t well understood. (Patients need to remain on the drugs permanently or risk regaining the weight they’ve lost.)

Will they help prevent cardiovascular disease and other chronic illnesses in obese older adults? Will they reduce rates of disability and improve people’s ability to move and manage daily tasks? Will they enhance people’s lives and alleviate symptoms associated with obesity-related chronic illnesses?

Unfortunately, clinical trials of the medications haven’t included significant numbers of people ages 65 and older, leaving gaps in the available data.

Medicare doesn’t cover weight-loss medications. If it did, and everyone who needs them took them, the cost would be in the billions. 

While the drugs appear to be safe—the most common side effects are nausea, diarrhea, vomiting, constipation and stomach pain—“they’ve only been on the market for a few years and caution is still needed,” said Mitchell Lazar, MD, founding director of the Institute for Diabetes, Obesity and Metabolism at the University of Pennsylvania Perelman School of Medicine.

Given these uncertainties, how are experts approaching the use of the new obesity medications in older people? As might be expected, opinions and practices vary. But several themes emerged in nearly two dozen interviews.

The first was frustration with limited access to the drugs. Because Medicare doesn’t cover weight loss medications and they can cost more than $10,000 a year, seniors’ ability to get the new drugs is restricted.

There is an exception: Medicare will cover Ozempic and Mounjaro if an older adult has diabetes, because the insurance program pays for diabetes therapies.

“We need Medicare to cover these drugs,” said Shauna Matilda Assadzandi, MD, a geriatrician at the University of Pittsburgh who cares for Morris. Recently, she said, she tried to persuade a Medicare Advantage plan representative to authorize Wegovy for a patient with high blood pressure and cholesterol who was gaining weight rapidly.

“I’m just waiting for this patient’s blood sugar to rise to a level where diabetes can be diagnosed. Wouldn’t it make sense to intervene now?” she remembered saying. 

The representative’s answer: “No. We have to follow the rules.”

Seeking to change that, a bipartisan group of lawmakers has reintroduced the Treat and Reduce Obesity Act, which would require Medicare to cover weight loss drugs. But the proposal, which had been considered previously, has languished amid concerns over enormous potential costs for Medicare.

If all beneficiaries with an obesity diagnosis took brand-name semaglutide drugs (the new class of medications), annual costs would top $13.5 billion, according to a recent analysis in the New England Journal of Medicine. If all older obese adults on Medicare—a significantly larger population—took them, the cost would exceed the total spent on Medicare’s Part D drug program, which was $145 billion in 2019.

The new drugs are generally recommended for people with a BMI (body mass index) that’s over 30—or over 26 if they have an obesity-related condition like diabetes. 

Laurie Rich, 63, of Canton, MA, was caught off guard by Medicare’s policies, which have applied to her since she qualified for Social Security Disability Insurance in December. Before that, Rich took Wegovy and another weight loss medication—both covered by private insurance—and she’d lost nearly 42 pounds. Now, Rich can’t get Wegovy and she’s regained 14 pounds.

“I haven’t changed my eating. The only thing that’s different is that some signal in my brain is telling me I’m hungry all the time,” Rich told me. “I feel horrible.” She knows that if she gains more weight, her care will cost much more.

While acknowledging difficult policy decisions that lie ahead, experts voiced considerable agreement on which older adults should take these drugs.

Generally, the medications are recommended for people with a body mass index over 30 (the World Health Organization’s definition of obesity) and those with a BMI of 27 or above and at least one obesity-related condition, such as diabetes, high blood pressure or high cholesterol. There are no guidelines for their use in people 65 and older. (BMI is calculated based on a person’s weight and height.)

But those recommendations are problematic because BMI can under- or overestimate older adults’ body fat, the most problematic feature of obesity, noted Rodolfo Galindo, MD, director of the Comprehensive Diabetes Center at the University of Miami Health System.

Dennis Kerrigan, PhD, director of weight management at Henry Ford Health in Michigan, a system with five hospitals, suggests physicians also examine waist circumference in older patients because abdominal fat puts them at higher risk than fat carried in the hips or buttocks. (For men, a waist over 40 inches is of concern; for women, 35 is the threshold.)

Fatima Stanford, MD, an obesity medicine scientist at Massachusetts General Hospital, said the new drugs are “best suited for older patients who have clinical evidence of obesity,” such as elevated cholesterol or blood sugar, and people with serious obesity-related conditions, such as osteoarthritis or heart disease.

Since going on Mounjaro three months ago, Muriel Branch, 73, of Perryville, AR, has lost 40 pounds and stopped taking three medications as her health has improved. “I feel real good about myself,” she told me.

While shedding pounds, older adults need to exercise, to avoid losing too much muscle mass.

When adults with obesity lose weight, their risk of dying is reduced by up to 15 percent, according to Dinesh Edem, MD, Branch’s doctor and the director of the medical weight management program at the University of Arkansas for Medical Sciences.

Still, weight loss alone should not be recommended to older adults, because it entails the loss of muscle mass as well as fat, experts agree. And with aging, the shrinkage of muscle mass that starts earlier in life accelerates, contributing to falls, weakness, the loss of functioning and the onset of frailty.

Between ages 60 and 70, about 12 percent of muscle mass falls away, researchers estimate; after 80, it reaches 30 percent. 

To preserve muscle mass, seniors losing weight should be prescribed physical activity—both aerobic exercise and strength training, experts agree.

Also, as older adults taking weight loss drugs eat less, “it’s critically important that their diet includes adequate protein and calcium to preserve bone and muscle mass,” said Anne Newman, MD, director of the Center for Aging and Population Health at the University of Pittsburgh.

Ongoing monitoring of older adults having gastrointestinal side effects is needed to ensure they’re getting enough food and water, said Jamy Ard, MD, co-director of Wake Forest Baptist Health Weight Management Center.

Generally, the goal for older adults should be to lose one to two pounds a week, with attention to diet and exercise accompanying medication management.

“My concern is, once we put patients on these obesity drugs, are we supporting lifestyle changes that will maintain their health? Medication alone won’t be sufficient; we will still need to address behaviors,” said Sukhpreet Singh, MD, system medical director at Henry Ford’s weight management program.

 

Don’t Forget Your Eyes

Many people do forget when thinking about their health

Americans are more afraid of losing their eyesight than their hearing or even their memory, but many know very little about eye diseases. In this article, journalist Bernard J. Wolfson pulls together a great deal of information about that, along with tips on how to take better care of your eyes. His article was produced by KFF Health News, which posted the story on its website on September 22, 2023. Wolfson is a columnist and senior correspondent for California Healthline, an editorially independent service of the California Health Care Foundation. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues. 

I vividly remember that late Friday afternoon when my eye pressure spiked, and I staggered on foot to my ophthalmologist’s office as the rapidly thickening fog in my field of vision shrouded passing cars and traffic lights.

The office was already closed, but the whole eye-care team was there waiting for me. One of them pricked my eyeballs with a sharp instrument, allowing the ocular fluid that had built up to drain. That relieved the pressure and restored my vision.

But it was the fourth vision-impairing pressure spike in nine days, and they feared it would happen again—heading into a weekend. So off I went to the emergency room, where I spent the night hooked up to an intravenous tube that delivered a powerful anti-swelling agent.

Later, when I told this story to friends and colleagues, some of them didn’t understand the importance of eye pressure or even what it was. “I didn’t know they could measure blood pressure in your eyes,” one of them told me.

Most people consider their vision to be vitally important, yet many lack an understanding of some of the most serious eye diseases. A 2016 study published in JAMA Ophthalmology, based on an online national poll, showed that nearly half of respondents feared losing their eyesight more than their memory, speech, hearing or limbs. Yet many “were unaware of important eye diseases,” it found.

A study released in July, conducted by Wakefield Research for the nonprofit Prevent Blindness and Regeneron Pharmaceuticals, showed that one-quarter of adults deemed at risk for diseases of the retina, such as macular degeneration and diabetic retinopathy, had delayed seeking care for vision problems.

For many people, it’s not easy to get eye treatment, because of the cost and because there are too few eye doctors in their community.

“There is significantly less of an emphasis placed on eye health than there is on general health,” says Rohit Varma, MD, founding director of the Southern California Eye Institute at Hollywood Presbyterian Medical Center.

Because eye diseases can be painless and progress slowly, Varma says, “people get used to it, and as they age, they begin to feel, ‘Oh, this is a normal part of aging and it’s OK.’” If people felt severe pain, he says, they would go get care.

For many people, though, it’s not easy to get an eye exam or eye treatment. Millions are uninsured, others can’t afford their share of the cost and many live in communities where eye doctors are scarce.

“Just because people know they need the care doesn’t necessarily mean they can afford it or that they have the access to it,” says Jeff Todd, CEO and president of Prevent Blindness.

Another challenge, reflecting the divide between eye care and general health care, is that medical insurance, except for children, often covers only eye care aimed at diagnosing or treating diseases. More health plans are covering routine eye exams these days, but that generally does not include the type of test used to determine eyeglass and contact lens prescriptions—or the cost of the lenses. You may need separate vision insurance for that. Ask your health plan what’s covered.

Since being diagnosed with glaucoma 15 years ago, I’ve had more pressure checks, eye exams, eyedrops, and laser surgeries than I can remember. I should know not to take my eyesight for granted. And yet, when my peepers were filling with that vision-threatening fog last March, I felt oddly sanguine.

Serious eye diseases are often manageable if they’re treated early enough.

It turned out that those serial pressure spikes were triggered by an adverse reaction to steroid-based eyedrops prescribed to me following cataract surgery. My ophthalmologist told me later that I had come “within hours” of losing my eyesight.

I hope my brush with blindness can help inspire people to be more conscious of their eyes.

Eyeglasses or contact lenses can make a huge difference in one’s quality of life by correcting refractive errors, which affect 150 million Americans. But don’t ignore the risk of far more serious eye conditions that can sneak up on you. They are often manageable if caught early enough.

Glaucoma, which affects about 3 million people in the United States, attacks peripheral vision first and can cause irreversible damage to the optic nerve. It runs in families and is five times as prevalent among African Americans as in the general population.

Nearly 10 million in this country have diabetic retinopathy, a complication of diabetes in which blood vessels in the retina are damaged. And some 20 million people age 40 and up have macular degeneration, a disease of the retina associated with aging that diminishes central vision over time.

The formation of cataracts, which cause cloudiness in the eye’s natural lens, is very common as people age: half of people 75 and older have them. Cataracts can cause blindness, but they are eminently treatable with surgery.

Anything that helps your general health helps your vision.

—Andrew Iwach, MD

If you are over 40 and haven’t had a comprehensive eye exam in a while, or ever, put that on your to-do list. And get an exam at a younger age if you have diabetes, a family history of glaucoma, or if you are African American or part of another racial or ethnic group at high risk for certain eye diseases.

And don’t forget children. Multiple eye conditions can affect kids. Refractive errors, treatable with corrective lenses, can cause impairment later in life if they are not addressed early enough.

Healthful lifestyle choices also benefit your eyes. “Anything that helps your general health helps your vision,” says Andrew Iwach, MD, a clinical spokesperson for the American Academy of Ophthalmology and executive director of the Glaucoma Center of San Francisco

Minimize stress, get regular exercise and eat a healthy diet. Also, quit smoking. It increases the risk of major eye diseases.

And consider adopting habits that protect your eyes from injury: wear sunglasses when you go outside, take regular breaks from your computer screen and cellphone and wear goggles when working around the house or playing sports.

The Prevent Blindness website offers information on virtually everything related to eye health, including insurance. Other good sources include the American Academy of Ophthalmology’s EyeSmart site and the National Eye Institute

So read up and share what you’ve learned.

“When you get together for the holidays,” says Iwach, “if you aren’t sure what to talk about, talk about your eyes.”

When Is It Time to Move to Senior Housing?  

Most people over 65 eventually need some form of care

Even after a diagnosis of vascular dementia, Laura Brancato’s father was able to stay in his own home for years. But as his condition worsened, that started to become problematic.

Her father started to wander out of the house. His sleep became disrupted, keeping his wife up at night and leaving her constantly sleep deprived. His medications frequently needed adjustments, which meant Brancato—who has young children and a 70-hour-a-week career as an elder law attorney—had to drive him to the doctor’s office. Part-time caregivers were hard to find and unreliable, especially once the COVID-19 pandemic began.

Finally, Brancato’s family decided to move her father into a memory care community in 2020. He was safer there but unhappy. Visits were limited, because of the pandemic, and her father didn’t understand. 

“He thought we had abandoned him,” she said. 

The decision to move into senior living is one that many older adults and their families will wrestle with, sooner or later. On average, someone turning 65 today has almost a 70 percent chance of needing some type of long term care in their remaining years, and 37 percent will require residential care in an assisted living or skilled nursing facility, according to LongTermCare.gov.  

Determining the best time to make the move often creates conflicts. Siblings may fight over the best course of action. Older adults may resist making a move, even when their adult children feel it’s clearly time.  

“The older person is saying, ‘Why? I’m perfectly fine. I can take care of myself,’” according to Dianne Savastano, a patient advocate and founder of HealthAssist in Manchester, MA. 

Aging in Place

Most older adults want to remain in their own homes as long as possible. Realistically, however, some will reach the point when that’s no longer safe or comfortable. A person living with dementia may wander and get lost, or leave the stove on and start a fire. Mobility issues may pose a high risk for a fall or make it impossible to handle basic daily chores like cooking, cleaning, dressing or bathing.  

When counseling older adults and their families grappling with this question, Kimberly Knight focuses on activities of daily living (ADLs). 

“It’s all about ADLs,” said Knight, director of caregiver-support programs at the Senior Source in Dallas. “Consider whether the older adult is still able to navigate the home and care for themselves safely.” 

She asks questions: Can the person get up out of bed, toilet and dress themselves in the morning? Are they able to stand long enough to prepare meals? Do they remember to take their medications on schedule? 

Knight also urges family members to look for signs the older adult isn’t coping. Are they losing weight? Is there spoiled food in the refrigerator, or no food at all? Are bills and mail piling up? Is the home cluttered? Is the person skipping basic grooming tasks? If a spouse or other older adult is the caregiver, is that person showing signs of fatigue or burnout?

Not all of these signs automatically mean it’s time to make a move, but they all do usually mean that the older adult needs more help. 

Older people without family support need to plan ahead for the care they’ll need someday

For those who want to stay in their own homes, the first strategy is to explore options to make staying there safer and more manageable. A life-alert device, for example, could ensure that an older adult can get help quickly in the event of a fall. A part-time, paid caregiver might be able to help with meals, shopping, getting dressed or other ADLs.  

Another key factor in the timing decision is the availability—or lack of availability—of family support, according to Jenny Munro, a gerontologist. She advises older adults and their families every day on the question of “When is it time?” as response team manager at Home Instead, an in-home caregiving agency.

She sees this with her own father, who’s now 98. He wants to remain in the house where he has lived for more than 60 years. His cognitive condition is still excellent, but he’s frail and weak.

Family support is plentiful: Munro is one of nine adult children. After her mother died a few years ago, all stepped in to handle some aspect of his care. A brother who is a banker, for example, is handling his finances. Four of the siblings live nearby, and used to take turns staying with him, a week at a time. That worked until her father began experiencing incontinence. Now, three, full-time, care professionals provide round-the-clock care, and the siblings visit often.

“It’s very expensive,” Munro said. “Thankfully, he saved and invested and has the ability to pay for that.” 

Family support may not be an option, especially for solo agers and older adults without children or spouses. They must plan to handle their care needs on their own.

Solo agers especially may want to hire a professional to help with caregiving decisions.

Like Munro, Carol Marak pitched in, along with her two sisters, to care for her mother, who had several chronic health issues, and her father, who had Alzheimer’s. The couple lived in a rural area and needed help with rides to the doctor, cooking, cleaning and managing their finances. 

The experience was an eye-opener for Marak, 72, who was divorced, childless and had little savings.  

“It scared the heck out of me,” she said. “It took all three of us to take care of Mom and Dad. Who’s going to do that for me?”  

After her parents passed away, Marak began focusing on improving her health and adjusting her lifestyle. She moved from her suburban home to a high-rise apartment building in Dallas that functions as an informal retirement community. Many of the residents are older and support each other. She can walk to errands or catch a bus. 

She also wrote a book, Solo and Smart: The Roadmap for a Supportive and Secure Future (2022). And she’s making plans for when she’s no longer able to care for herself on her own. 

To do that, Marak urges solo agers to hire a professional who can help weigh caregiving decisions, such as an aging-life-care professional or geriatric care manager. Solo agers may want to undergo a cognitive function evaluation before signs of memory loss occur. The test can serve as a baseline and can be repeated regularly as part of their routine health care, to provide objective information on the older person’s cognitive status in the future. 

“You need to have your team of professionals who are looking out for you and who will take notice if you’re starting to decline,” said Marak. 

An Iterative Process

Don’t be surprised if the decision to make a move turns into a series of decisions stretching over several years, Savastano advises. 

“I call it ‘iterative decision-making,’” she said. “You’re constantly adjusting to the older adult’s level of abilities and what they need help with.” 

She worked for 13 years as an advocate for a client named Rosalie, guiding her through knee replacement surgery and then a move into an independent living apartment in a continuing care retirement community (CCRC).  

Rosalie loved her apartment and made new friends. The move was such a success that, even though the CCRC offered sections for higher levels of care, “Rosalie made it truly clear to both me and her children, over and over again, that she intended to live there through the end of her life,” Savastano said.  

Those who delay moving until they’re in poor health may be turned away by some senior living facilities.

When Rosalie’s cognitive abilities began to decline, the staff wanted to move her into the community’s memory care unit. Savastano negotiated for a way to honor Rosalie’s wishes. 

“We gradually increased the use of private, in-home assistance, ultimately involving 24/7 care in her home, which thankfully she was able to afford,” Savastano said. 

Savastano cautions that while older adults may wish to stay at home as long as possible, later isn’t always better than sooner. An older adult’s condition can decline to the point that their options become limited to skilled nursing or long term care. 

“If you wait too long, you may not have as many choices,” she said. Some assisted living or memory care communities, for example, may accept an older adult with dementia, knowing their condition will decline. Most will make accommodations to allow a longtime resident to stay until the end of life. But the same community likely won’t accept someone in that later stage as a new resident. 

Sooner, Rather than Later

A “sooner, rather than later” strategy worked well for Larry and Marilyn Comstock, both in their 80s.

After visiting eight communities, the Comstocks moved into an independent living apartment in 2018. Even though both were—and still are—healthy, active and cognitively sharp, and even though it meant leaving behind their beloved home and many treasured possessions, they felt it was time. They chose Highland Springs Senior Living in Dallas, which has on-site medical care and offers assisted living, memory care and long term care, should their needs change. 

“It was the hardest decision we’ve ever made,” Marilyn Comstock said. “But we didn’t want our children to have the burden of finding someplace for us to move. We wanted to make the decision ourselves.” 

A few months later, the couple felt affirmed in their decision when Marilyn fell and broke her hip. Thanks to the community’s alert system, she was able to get help in minutes. Marilyn recovered, and today they’re both thriving, serving on resident committees and socializing with the many new friends they’ve made.

“We’re glad we moved when we did, because we still have the ability to enjoy the facilities and the people here,” said Marilyn Comstock. 

When the Older Adult Resists

The decision to move into senior living becomes more complicated when family members think it’s time for a move—but the older adult is unwilling. If cognitive decline is present, family members may question whether the older adult is capable of making the right decision. 

“It’s a tricky situation when the older adult is resistant to a move,” said Hannah De George, elder advocate at St. John’s Senior Services in Rochester, NY.  

De George recently sat in on a family meeting with some close friends. The adult children all agreed it was time for their parents to move into assisted living; the parents were unwilling. 

“They felt ganged up on,” said De George. “No one wants to be told, ‘You can’t live in your own home anymore.’” 

Family members can’t force an older adult to move, unless the person has been declared unable to make their own decisions and placed under guardianship by a court order. But that doesn’t mean families should immediately accept “no” as the answer if it’s clear the older adult needs more help. 

“When it’s safety versus autonomy, you have to err on the side of safety,” Knight said. 

Savastano sometimes coaches adult children on different strategies for making their case with a parent resisting a move.

“But in reality, sometimes you end up waiting until a crisis occurs,” she said. 

Family Conflict

The decision to move an older adult into senior living often sparks conflicts among the adult children. 

“This is an issue that can break up families and cause siblings to stop talking to each other for years,” said Knight. 

An adult child living out of state might think the parent is fine living alone at home, whereas a nearby sibling, who visits every day, may be convinced that’s not an option. 

One adult child may want to move the parent sooner, rather than later, and sell the aging parent’s home or dip into their nest egg to provide the best available care. A sibling who’s counting on inheriting that money may disagree. Feelings of guilt, sibling rivalry or other emotional baggage add to the morass. 

Older adults can help ward off conflicts by communicating their wishes in advance, before a crisis hits, and having the legal documentation in place for a trusted person to handle the financial aspects of paying for senior living, should they become unable to do so. 

If it’s too late for that option, experts advise bringing in a third party—a geriatric care manager or physician, for example—who can weigh in with a neutral opinion on the need for residential care.

A Good Decision

Laura Brancato’s father was initially unhappy after moving into memory care. But the regularity of the community’s daily schedule—important for people with dementia—made him feel comfortable. Medical staff on site adjusted his medications quickly when needed, avoiding the need for frequent trips to the doctor. Soon, her father embraced the place as home.

He stayed there until his death in December 2023. Looking back, Brancato’s family feels they made the right move at the right time. 

“He forgot he had ever lived anywhere else,” Brancato said. “Instead of bringing him home for celebrations, we started bringing the family to him. He really was thriving in that environment.” 

In Later Life, Is a Little Excess Weight Such a Bad Thing?

Experts have been debating that for years

As new weight-loss drugs with a high degree of success become available, journalist Judith Graham considers whether older people really need to shed some of the pounds they’ve gained as they’ve aged. Some experts suggest that being slightly overweight may actually be good for a person’s health in later life. Graham’s article was posted on the KFF Health News website on July 17, 2023. It also ran on CNN. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues. 

Millions of people enter later life carrying an extra 10 to 15 pounds, weight they’ve gained after having children, developing joint problems, becoming less active or making meals the center of their social lives.

Should they lose this modest extra weight to optimize their health? This question has come to the fore with a new category of diabetes and weight loss drugs giving people hope they can shed excess pounds.

For years, experts have debated what to advise older adults in this situation. On one hand, weight gain is associated with the accumulation of fat. And that can have serious adverse health consequences, contributing to heart disease, diabetes, arthritis and a host of other medical conditions.

On the other hand, numerous studies suggest that carrying some extra weight can sometimes be protective in later life. For people who fall, fat can serve as padding, guarding against fractures. And for people who become seriously ill with conditions such as cancer or advanced kidney disease, that padding can be a source of energy, helping them tolerate demanding therapies.

Of course, it depends on how heavy someone is to begin with. People who are already obese (with a body mass index of 30 or over) and who put on extra pounds are at greater risk than those who weigh less. And rapid weight gain in later life is always a cause for concern.

Making sense of scientific evidence and expert opinion surrounding weight issues in older adults isn’t easy. Here’s what I learned from reviewing dozens of studies and talking with nearly two dozen obesity physicians and researchers.

Our bodies change with age. As we grow older, our body composition changes. We lose muscle mass—a process that starts in our 30s and accelerates in our 60s and beyond—and gain fat. This is true even when our weight remains constant.

Also, less fat accumulates under the skin while more is distributed within the middle of the body. This abdominal fat is associated with inflammation and insulin resistance and a higher risk of cardiovascular disease, diabetes and stroke, among other medical conditions.

“The distribution of fat plays a major role in determining how deleterious added weight in the form of fat is,” said Mitchell Lazar, MD, director of the Institute for Diabetes, Obesity and Metabolism at the University of Pennsylvania’s Perelman School of Medicine. “It’s visceral [abdominal] fat [around the waist], rather than peripheral fat [in the hips and buttocks] that we’re really concerned about.”

Activity levels diminish with age. Also, with advancing age, people tend to become less active. When older adults maintain the same eating habits (energy intake) while cutting back on activity (energy expenditure), they’re going to gain weight.

According to the Centers for Disease Control and Prevention, 27 percent of 65- to 74-year-olds are physically inactive outside of work; that rises to 35 percent for people 75 or older. For older adults, the health agency recommends at least 150 minutes a week of moderately intense activity, such as brisk walking, as well as muscle-strengthening activities such as lifting weights at least twice weekly. Only 27 to 44 percent of older adults meet these guidelines, according to various surveys.

Concerns about muscle mass. Experts are more concerned about a lack of activity in older adults who are overweight or mildly obese (a body mass index in the low 30s) than about weight loss. With minimal or no activity, muscle mass deteriorates and strength decreases, which “raises the risk of developing a disability or a functional impairment” that can interfere with independence, said John Batsis, MD, an obesity researcher and associate professor of medicine at the University of North Carolina School of Medicine in Chapel Hill.

Weight loss contributes to inadequate muscle mass insofar as muscle is lost along with fat. For every pound shed, 25 percent comes from muscle and 75 percent from fat, on average.

Since older adults have less muscle to begin with, “if they want to lose weight, they need to be willing at the same time to increase physical activity.” said Anne Newman, MD, director of the Center for Aging and Population Health at the University of Pittsburgh School of Public Health.

Ideal body weight may be higher. Epidemiologic research suggests that the ideal body mass index (BMI) might be higher for older adults than younger adults. (BMI is a measure of a person’s weight, in kilograms or pounds, divided by the square of their height, in meters or feet.)

One large, well-regarded study found that older adults at either end of the BMI spectrum—those with low BMIs (under 22) and those with high BMIs (over 33)—were at greater risk of dying earlier than those with BMIs in the middle range (22 to 32.9).

Older adults with the lowest risk of earlier deaths had BMIs of 27 to 27.9. According to World Health Organization standards, this falls in the “overweight” range (25 to 29.9) and above the “healthy weight” BMI range (18.5 to 24.9). Also, many older adults whom the study found to be at highest mortality risk—those with BMIs under 22—would be classified as having “healthy weight” by the WHO.

The study’s conclusion: “The WHO healthy weight range may not be suitable for older adults.” Instead, being overweight may be beneficial for older adults, while being notably thin can be problematic, contributing to the potential for frailty.

Indeed, an optimal BMI for older adults may be in the range of 24 to 29, Carl Lavie, MD, a well-known obesity researcher, suggested in a separate study reviewing the evidence surrounding obesity in older adults. Lavie is the medical director of cardiac rehabilitation and prevention at Ochsner Health, a large health care system based in New Orleans, and author of The Obesity Paradox, a book that explores weight issues in older adults.

Expert recommendations. Obesity physicians and researchers offered several important recommendations during our conversations:

  • Maintaining fitness and muscle mass is more important than losing weight for overweight older adults (those with BMIs of 25 to 29.9). “Is losing a few extra pounds going to dramatically improve their health? I don’t think the evidence shows that,” Lavie said.
  • Unintentional weight loss is associated with several serious illnesses and is a danger signal that should always be attended to. “See your doctor if you’re losing weight without trying to,” said Newman of the University of Pittsburgh. She’s the coauthor of a new paper finding that “unanticipated weight loss even among adults with obesity is associated with increased mortality” risk.
  • Ensuring diet quality is essential. “Older adults are at risk for vitamin deficiencies and other nutritional deficits, and if you’re not consuming enough protein, that’s a problem,” said Batsis of the University of North Carolina. “I tell all my older patients to take a multivitamin,” said Dinesh Edem, MD, director of the Medical Weight Management program at the University of Arkansas for Medical Sciences.
  • Losing weight is more important for older adults who have a lot of fat around their middle (an apple shape) than it is for people who are heavier lower down (a pear shape). “For patients with a high waist circumference, we’re more aggressive in reducing calories or increasing exercise,” said Dennis Kerrigan, PhD, director of weight management at Henry Ford Health in Michigan.
  • Maintaining weight stability is a good goal for healthy older adults who are carrying extra weight but who don’t have moderate or severe obesity (BMIs of 35 or higher). By definition, “healthy” means people who don’t have serious metabolic issues (overly high cholesterol, blood sugar, blood pressure, and triglycerides), obesity-related disabilities (problems with mobility are common), or serious obesity-related illnesses such as diabetes or heart disease. “No great gains and no great losses—that’s what I recommend,” said Katie Dodd, MS, a geriatric dietitian who writes a blog about nutrition.

 

Addiction in Older Adults: A Problem on the Rise

Substance abuse can look different as people age

Jane’s adult children worried she was sinking into dementia. Her behavior had changed. She wasn’t taking care of her physical appearance. She was forgetful and missing appointments. Maybe it was time, family members wondered, to move her into assisted living. 

Then they discovered the real problem: at the age of 89, Jane was an alcoholic. 

She’d struggled with alcoholism earlier in life but had been sober since age 70. She had taken sobriety seriously, attending Alcoholics Anonymous meetings and sponsoring others who struggled. But after a series of setbacks—her husband of 57 years died, she had to stop driving, and worsening arthritis meant she couldn’t swim anymore—Jane relapsed. 

“I think she was lonely, and felt a lot of loss, and thought, ‘I haven’t drank in 20 years; maybe I can just have a glass of wine,’” said Diana Santiago, MSW, clinical supervisor of the Older Adult Program at Caron Treatment Centers, where Jane eventually underwent treatment. “After a couple of months, she was right back where she started.” 

Jane’s story isn’t uncommon. Substance addiction is on the rise among older adults. 

“Nearly one million adults 65 and up in the United States are living with a substance abuse disorder,” said Lisa Stern, LCSW, assistant vice president, Senior & Adult Services at Family & Children’s Association (FCA), a human services agency on Long Island, NY. From 2002 to 2021, the rate of overdose deaths, accidental or intentional, quadrupled among older adults, according to a research letter published in the March 2023 JAMA Psychiatry

Alcohol and prescription painkillers top the list of substances most commonly abused by people 60 and up. Most older people admitted to treatment facilities are addicted to alcohol. Approximately 20 percent of all adults ages 60 to 64, and around 11 percent over age 65, report they are currently binge drinking, according to the National Institute on Alcohol Abuse and Alcoholism.

In later life, people are more likely to use alcohol or drugs to relieve pain than to get high. 

Opioid abuse is rising among older people too. While the US population of adults 55 and older rose by about 6 percent between 2013-2015, the proportion of people in that age group seeking treatment for opioid use disorder increased nearly 54 percent. The proportion of older adults using heroin more than doubled between 2013-2015 (in part due to those who switched to heroin—an illicit opioid—after misusing prescription opioids). One study estimated that the prevalence of prescription drug abuse among older adults may be as high as 11 percent.

Marijuana use is also on the rise among older people in the United States. However, experts suspect that’s due to Boomers, the first generation to widely accept marijuana use, reaching older age. Admission to treatment facilities for marijuana alone is rare, although it can often be part of the mix of drugs and/or alcohol that led to addiction.

Older addicts tend to follow different patterns than those who are younger. They include “hardy survivors”—people like Jane, who struggled with addiction for years off and on or continuously. Others first become addicts in their later years. Use of illicit drugs, like cocaine or meth, declines after young adulthood. But common challenges in later life—isolation, depression and anxiety, financial worries, family conflict, the loss of a spouse or other loved ones, physical or mental decline, adapting to retirement—can turn into triggers for abuse. 

“Older adults are less likely to use drugs or alcohol to get high,” said Jeremy Klemanski, MBA, CEO of Gateway Foundation, one of the nation’s largest addiction treatment organizations. “Instead, they tend to use these substances to reduce pain or handle emotional difficulties.” 

Many older adults experience chronic pain, anxiety or insomnia, all of which may be treated with highly addictive medications like opioids or benzodiazepines (“benzos”), like alprazolam (Xanax), diazepam (Valium) and lorazepam (Ativan.) Older people may be even more prone to abuse these drugs than their younger counterparts. Plus, many older adults must manage multiple health conditions with an assortment of medications prescribed by several specialists, usually without careful coordination, making misuse or overuse more likely. 

“These prescriptions are often not monitored closely, as seniors who cannot get out easily do not follow up regularly with their physicians,” said Stern. “Doctors should be making patients aware of drugs that can be highly addictive, but often they don’t have these conversations. The older adult may be taking the medication incorrectly, or taking too much, but not considering it abusive.” 

Physiological changes that occur with aging can make substance use riskier and misuse more deadly. The ability to metabolize drugs or alcohol declines with age. Someone who could have a beer or two in their 30s with no consequences, for example, is more likely to become impaired in their 60s or 70s. 

Addiction Can Be Easily Missed

Substance abuse is often overlooked or misdiagnosed in older adults. Many of the symptoms of abuse—forgetfulness, drowsiness, confusion, mood swings or shaky hands—are easily dismissed as signs of aging. Even when addiction is recognized, family members are often prone to minimize it.

“People may think the older adult isn’t working or driving, so what’s the harm?” said Klemanski. “The harm is that the substance is harmful physically, and addiction is often a sign of loneliness and lack of connectedness. Both can lead to premature death.” 

Santiago cited a patient in his early 60s who’d been prescribed Aricept for dementia. 

“His medical records indicated that he had Alzheimer’s,” she said. “When he came in for treatment, he was confused and his memory was bad.” 

As it turned out, the patient had been taking a variety of stimulants, opioids and benzodiazepines, along with alcohol. After four weeks without the drugs and alcohol, the man scored within normal range in a follow-up cognitive screening. 

That scenario is not uncommon, Santiago added.

“Once we’re able to clear the substances away, we’re able to see what’s really going on, and nine times out of 10, those older adult patients have their cognition improved significantly,” she said. 

Confronting Trauma 

The telltale sign that Tim, 68, had a problem was his credit card statements. Family members discovered he was “drunk buying” guitars online, ultimately spending more than $100,000, which he couldn’t afford. His daughter referred him to FCA Long Island for treatment. 

In counseling, Tim shared how his mother had walked out on his family when he was 14 and was never heard from again. For the first time, he realized that trauma had affected his relationships for more than 50 years. 

Unresolved trauma is a common factor contributing to addiction among older adults, according to Chris Walter, a certified recovery peer advocate at FCA. 

“Often the Boomers don’t want to talk about these things,” he said. “That wasn’t a generation that went to therapy or talked about their problems. If we can get that [childhood trauma] out, it does help them to free up demons.”  

People who have had a successful life can become isolated as they age, with time on their hands, and fill that vacuum with alcohol or drugs. 

Older adulthood, of course, can also bring new trauma and loss. Friends and family members die. A move from a longtime home to assisted living can feel like a death. Retirement, or an unplanned job loss, may leave an older adult at loose ends. 

That’s what happened with Dan, 63, when he lost his job 17 years ago. He spiraled from a social drinker into an alcoholic. 

“When you go from being a workaholic, and your professional career to a large extent defines you, to being undecided about your future and with whom you fit in, it leads to self-questioning, and for some of us, self-medicating,” he said.  

“It’s very typical to have an older adult [with addiction] who has had a successful life,” said Klemanski. “They’ve raised children. They’ve had a career or contributed something positive to their community. But as they got older, some of the things that helped define life are pulled away from them. They may have more time on their hands or feel isolated. A vacuum occurs, and that’s filled with alcohol or drugs.”  

Getting Treatment

Drinking got Francisco, 68, banned from the local senior center. He’d shown up intoxicated, behaved aggressively and fell in the parking lot. He was referred for treatment at FCA Long Island. Counselors discovered that he was not only drinking a pint of vodka a day but also taking clonazepam (Klonopin) prescribed by his doctor for anxiety. 

In treatment, counselors helped Francisco to better manage his drinking and to address a root cause of the problem: isolation. His case manager set up a meal delivery service, so he’d eat more nutritious meals more regularly, and provided him with a tablet computer and Amazon Echo device, along with lessons on how to use both. 

“He was able to learn how to access YouTube and the internet, which allowed him to enjoy his passions of cars and music in a new way and socialize virtually to reduce his isolation,” said Christiana Mangiapane, LMSW, director of senior mental health services at FCA Long Island. “As a result, he had something to look forward to every day besides a drink.” 

Francisco’s treatment seems to be helping. But as the numbers of older adults struggling with addiction increase, many worry that treatment facilities and programs can’t keep up. Researchers for the JAMA Psychiatry report on overdoses urged policy makers to pursue proposals applying mental health parity rules within Medicare, so that older adults will have better mental health and substance-use disorder coverage and more options. Medicare has covered opioid treatment programs such as methadone clinics since 2020 and will cover a broader range of outpatient treatments beginning in January 2024. However, it does not cover residential treatment.

When older people who are addicted get treatment, they have a better chance of recovering than people who are younger. 

Models of care for treating substance abuse in older people are still evolving. Inpatient treatment typically begins with detox—a period of medical observation while the patient withdraws from the substance, sometimes with the aid of medication. Because older adults tend to metabolize drugs more slowly, most need longer periods of detox. 

Other treatment approaches might include individual counseling, cognitive behavioral therapy, support groups, medication and building connections with other people. Ideally, treatment is tailored to individual needs. Older adults with other medical or mental health issues must have those managed while in residential treatment. Support groups with peers, rather than with people in their 20s and 30s, are more effective. 

“A 74-year-old man who’s retired and whose wife just died isn’t going to relate to a bunch of 30-year-olds with small children and jobs, whose struggles might relate more to drinking too much when they’re with friends,” said Santiago. 

On the plus side, recovery rates tend to be higher among older adults who seek treatment compared to younger adults, according to Klemanski. 

“Their positive life experiences help them focus on the benefits of rehab, which can make them more disciplined in their recovery,” he said.   

Finding Sobriety

Still, the first hurdle is motivating the older adult to seek help. For Dan, that motivation came in the form of a health scare. His drinking finally led to liver disease; doctors told him he’d need a transplant or he’d die within three months.  

“Treatment for me was literally a life-or-death decision,” he said. 

Dan enrolled in a program at Gateway and cobbled together his own recovery strategy, combining the support of friends and family with daily prayer and attending Mass four times a week at his church. He’s been sober for more than a year now. To his doctor’s surprise, his liver disease seems to be in remission. 

For him, the AA principle of “one day at a time” was his key coping strategy.

“Anyone who has [quit drinking] knows it’s more like 10 or 20 minutes at a time,” he said. “Everyone has to develop the tricks, skills and tools that work for them.”

For Jane, an intervention staged by her adult children spurred her to travel from Florida to Wernersville, PA, to undergo residential treatment at Caron Treatment Centers. By age 90, Jane was once again sober. A follow-up cognitive screening showed that Jane didn’t have dementia after all.  

“Her memory came back, and she was able to live independently again,” said Santiago. “Even though she may only have a few years left on this earth, she’s enjoying a better quality of life during those years.”

Tips for Long-Distance Caregivers

Advice from the experts on how to manage care from afar 

This is part 2 of a series about caregiving from a distance. Read part 1 here.

Fern, 92, called her daughter in a panic. She couldn’t turn off her television because she couldn’t find the remote. Due to Fern’s hearing loss, the volume was very high. Fern was afraid the blaring TV would keep her and her neighbors up all night.

Her daughter, Monica, couldn’t help. She was in Michigan; Fern lives alone in Sarasota, FL. 

Fern’s situation wasn’t life threatening. But it’s an example of how even a minor issue can become a crisis when an older loved one lives far away. For the millions of Americans in that situation, it’s a major source of stress. In fact, research suggests that long-distance caregiving is even more stressful than face-to-face caregiving. 

Unlike those caring for an older adult nearby, long-distance caregivers often face situations that can’t just be handled as they arise, whether it’s a missing TV remote or a serious medical crisis like a stroke or an injury due to a fall. There are no easy fixes. But experts advise that thinking ahead, and assembling a support team, can help families navigate long-distance caregiving more effectively. Here are some tips. 

Divide and Conquer 

Start by gathering family members for a conference, virtually or in-person, advises Maria Hood, a social worker and director of admissions at United Hebrew, a senior care community in the New York metropolitan area.  

“Develop a strategy to divide and conquer,” Hood says. Make a plan to rotate visits and regular phone calls. Clarify roles so no one person feels overburdened. Those who can’t visit in person might tackle other tasks: a family member who is an accountant can help manage financial issues; another who’s a medical professional can establish lines of communication with the older adult’s physician. 

As much as possible, involve the older adult in the conversation, and initiate it before a medical crisis or other “point of vulnerability” occurs, adds Barry Wu, MD, professor of medicine (geriatrics) at Yale School of Medicine.  

“Understand what your [older adult] family member’s wishes are,” Wu says. “If they don’t want aggressive treatment in the event of a medical emergency, the family should know that. If their heart stops, or they stop breathing, do they want to be hospitalized? Do they want a feeding tube? You need to know what their wishes are.” 

Other questions to ask might include:  

  • What kind of support would be helpful now? That might include transportation to doctor visits or outings, help with meals, errands or housekeeping. 
  • Could alterations in the home make life easier and safer? For example, switching from an upstairs bedroom to a downstairs bedroom or installing a ramp leading down from the front porch could prevent future accidents or make daily life easier.
  • What about anticipated future needs? If an illness or loss in mobility makes it difficult or impossible to live alone, what would the older adult want to do? Move into assisted living? Move in with a family member? Stay at home, with in-home support, as long as possible? 

Remember to keep the older adult’s wishes paramount, says Teri Dreher, an RN and patient advocate who assists older adults and their families. 

“A sense of dignity, autonomy and agency over one’s own life is even more important as we age,” she says. “Nobody likes their children to talk to them like they’re children.” 

Dreher says older adults can become stubborn or unwilling to share honestly about their struggles. Some may resist discussing the issue or insist, “Don’t ever put me in a home.” In that case, a visit to an assisted living community might help reassure them. 

“I worked with a couple in their late 70s that stayed in their house, even though they couldn’t take care of it, until the house was finally condemned,” Dreher says. “Once they moved into a senior living community, they saw how great the food was and changed their minds immediately.”

Start the money conversation as part of these family talks. How is a loved one paying for daily expenses now? How might they pay for additional care if it’s needed? These questions are important for any caregiver, but especially when family members aren’t close enough to quickly access financial records. Needs can change suddenly; an older adult could become incapacitated temporarily or permanently. 

Explore Resources 

Many agencies and local governments offer services to assist older adults—these can be lifesavers when family members can’t be present. However, it’s not always easy to find out about these services. For example, some local charities, city governments or agencies offer wellness checks—regularly scheduled phone calls to check in with an older adult, with follow-up calls and/or visits if they don’t respond. To determine if such a service is available in the older adult’s community, try searching online using the zip code or town (such as, “older adult welfare check 75024”). Or check the search tool of Shepherd’s Centers of America, which provides welfare checks through more than 50 affiliates around the United States. 

Hood suggests contacting a hospital in the older adult’s area and speaking with staff in the social work department. Similarly, the marketing staff at a senior living community near the older adult’s home will likely know what’s available locally.

Create a directory with contact information, including the older adult’s physicians, local fire, police and EMTs, and non-emergency numbers, like those of the apartment security staff or community director where the older adult lives, and names and numbers of neighbors, friends and family members. Add a list of medications and a list of locations of key documents, such as insurance policies and the person’s will. Share copies with family members and post a copy on the older adult’s refrigerator or another prominent spot. 

Enlist Technology

A big source of stress for many long-distance caregivers: worry over the older adult’s safety. Unfortunately, it’s not uncommon for older adults, especially those 90 and older, to fall and end up on the floor for hours before someone comes to help. If the older adult is amenable, consider a medical alert pendant and/or installing an in-home monitoring system. Most require some type of subscription or monthly connection fee that is not covered by insurance or Medicare.  

These systems are typically either “active,” where the user presses a button on a home unit, wearable device or wall to call for help, or “passive,” transmitting data from the user to a trusted care partner without requiring any action on the older adult’s part should they fall or become unresponsive. For example, the Apple Watch offers a passive fall detection function that can be set up to call 911 automatically if the wearer falls. (However, this technology isn’t yet 100 percent reliable and automatic updates to the watch’s software may disable the function without alerting the user.) 

Make the Most of Visits 

Many older adult living communities see an uptick in inquiries right after the holidays, when family members visit and notice signs that their loved one isn’t coping well. Visits are a good time to observe. Look for piles of dirty dishes or unwashed laundry; unopened mail, overdue notices or other signs that paperwork isn’t getting handled; rotten food in the fridge—or no fresh food at all; scorch marks on pans or countertops, possibly signs of inattention to cooking tasks. 

Visits also present opportunities to set up local lines of communication. Accompany the older adult on a doctor visit and ask to be added to the list of emergency contacts. Inquire about joining future telehealth visits, with the older-adult patient’s permission, as a way of tracking health conditions.

Keep in mind, after the visit, that an older person’s health, mobility or cognitive status can change quickly. Be ready to pivot. 

Finally, use a visit to enlist “boots on the ground.” Go to home care agencies, visiting nurse associations, transportation services and other local support services to learn what they offer. Exchange contact information with the older adult’s friends and neighbors and encourage them to call if anything raises concerns, like unusual behavior or if something seems out of place (a door left open or lights on overnight).

The key to long-distance caregiving: find local people who can provide help when your loved one needs it.

If finances allow, consider a consultation with a geriatric care manager in the older adult’s area. Also called “aging life care managers,” these professionals are usually licensed nurses or social workers experienced in the care of older people. They can provide a neutral assessment of the older adult’s situation and advise on options available locally. Generally, they serve clients and families whose incomes are too high to qualify for publicly financed services like Medicaid. Care managers can also offer references to reputable home-care agencies or professional caregivers in the area. Find a care manager in the older adult’s community by using the Aging Life Care Association’s expert search tool or the Eldercare Locator, a public service of the US Administration on Aging.

If the older adult has complex medical issues, consider hiring a local patient advocate who can step in should an emergency arise. Once a relationship is established, the patient advocate can accompany the older adult to the ER and serve as a point of contact until an out-of-town family member arrives. 

Unfortunately, these services are not inexpensive. Labor costs have increased considerably in recent years. In-home care now averages about $26 an hour for homemaker services (cleaning, cooking, etc.) and $27 an hour for a home health aide, according to Genworth’s Cost of Care Survey. Some companies’ employee assistance programs (EAP) assist employees in caring for older family members, with help finding caregiving services and even help covering the costs. 

Some Medicare Advantage plans also provide coverage for personal care assistance, non-medical transportation and in-home meal delivery through a private provider or services like Papa.com. Papa is a platform that connects older adults with Papa Pals, vetted local people available to provide companionship or to assist with cooking, cleaning, transportation and laundry. 

A Papa Pal came to the rescue when Fern couldn’t find her remote. Connor Carroll has been visiting 92-year-old Fern regularly, helping her with light housekeeping, running errands and assisting with other daily needs. After each visit, he calls Fern’s daughter, Monica, to fill her in on how Fern is doing. 

“We’ve built a rapport,” Carroll says. “It’s a comfortable relationship. Fern calls me ‘the son she never had.’ Monica tells me it’s nice to have me as her eyes and ears in the area.”

Hood says that’s a key to long-distance caregiving: connecting with professionals and others in the local area who can step in to help when needed. 

“When it comes to caring for an older adult,” she says, “it really does take a village.” 

What to Expect as You Age

A doctor’s frank guide to natural changes in bodies and minds 

As you grow older, it’s sometimes hard to figure out whether a physical or mental change needs medical attention or whether it’s just normal at your age. For this article, journalist Judith Graham interviewed a geriatrician who has written a comprehensive guide to help readers make such distinctions and to suggest ways to adapt. KFF Health News posted Graham’s story on October 20, 2023, and it also ran in the Washington Post. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues.   

How many of us have wanted a reliable, evidence-based guide to aging that explains how our bodies and minds change as we grow older and how to adapt to those differences?

Creating a work of this kind is challenging. For one thing, aging gradually alters people over decades, a long period shaped by individuals’ economic and social circumstances, their behaviors, their neighborhoods and other factors. Also, while people experience common physiological issues in later life, they don’t follow a well-charted, developmentally predetermined path.

“Predictable changes occur, but not necessarily at the same time or in the same sequence,” said Rosanne Leipzig, MD, vice chair for education at the Brookdale Department of Geriatrics and Palliative Medicine at the Icahn School of Medicine at Mount Sinai in New York. “There’s no more heterogeneous a group than older people.”

I called Leipzig, 72, who works full time teaching medical residents and fellows and seeing patients, after reading her new 400-plus-page, information-packed book, Honest Aging: An Insider’s Guide to the Second Half of Life. It’s the most comprehensive examination of what to expect in later life I’ve come across in a dozen years covering aging.

Leipzig told me she had two goals in writing this guide, “to overcome all the negatives that are out there about growing older” and “to help people understand that there are lots of things that you can do to adapt to your new normal as you age and have an enjoyable, engaged, meaningful life.”

The medical disorders older people have are different than those doctors see in younger people.

Why call it “honest aging”? “Because so much of what’s out there is dishonest, claiming to teach people how to age backwards,” Leipzig said. “I think it’s time we say, ‘This is it; this is who we are,’ and admit how lucky we are to have all these years of extra time.”

The doctor was referring to extraordinary gains in life expectancy achieved in the modern era. Because of medical advances, people over age 60 live far longer than people at the dawn of the 20th century. Still, most of us lack a good understanding of what happens to our bodies during this extended period after middle age.

Several months ago, a medical student asked Leipzig whether references to age should be left out of a patient’s written medical history, as references to race have been eliminated. “I told her no; with medicine, age is always relevant,” Leipzig said. “It gives you a sense of where people are in their life, what they’ve lived through, and the disorders they might have, which are different than those in younger people.”

What questions do older adults tend to ask most often? Leipzig rattled off a list: What can I do about this potbelly? How can I improve my sleep? I’m having trouble remembering names; is this dementia? Do I really need that colonoscopy or mammogram? What should I do to get back into shape? Do I really need to stop driving?

Underlying these is a poor understanding of what’s normal in later life and the physical and mental alterations aging brings.

Can the stages of aging be broken down, roughly, by decade? No, said Leipzig, noting that people in their 60s and 70s vary significantly in health and functioning. Typically, predictable changes associated with aging “start to happen much more between the ages of 75 and 85,” she told me. Here are a few of the age-related issues she highlights in her book:

  • Older adults often present with different symptoms when they become ill. For instance, a senior having a heart attack may be short of breath or confused, rather than report chest pain. Similarly, an older person with pneumonia may fall or have little appetite instead of having a fever and cough.
  • Older adults react differently to medications. Because of changes in body composition and liver, kidney and gut function, older adults are more sensitive to medications than younger people and often need lower doses. This includes medications that someone may have taken for years. It also applies to alcohol.
  • Older adults have reduced energy reserves. With advancing age, hearts become less efficient, lungs transfer less oxygen to the blood, more protein is needed for muscle synthesis, and muscle mass and strength decrease. The result: older people generate less energy even as they need more energy to perform everyday tasks.
  • Hunger and thirst decline. People’s senses of taste and smell diminish, lessening food’s appeal. Loss of appetite becomes more common, and seniors tend to feel full after eating less food. The risk of dehydration increases.
  • Cognition slows. Older adults process information more slowly and work harder to learn new information. Multitasking becomes more difficult, and reaction times grow slower. Problems finding words, especially nouns, are typical. Cognitive changes related to medications and illness are more frequent.
  • The musculoskeletal system is less flexible. Spines shorten as the discs that separate the vertebrae become harder and more compressed; older adults typically lose one to three inches in height as this happens. Balance is compromised because of changes in the inner ear, the brain and the vestibular system (a complex system that regulates balance and a person’s sense of orientation in space). Muscles weaken in the legs, hips and buttocks, and range of motion in joints contracts. Tendons and ligaments aren’t as strong, and falls and fractures are more frequent as bones become more brittle.
  • Eyesight and hearing change. Older adults need much more light to read than younger people. It’s harder for them to see the outlines of objects or distinguish between similar colors, as color and contrast perception diminish. With changes to the cornea, lens and fluid within the eye, it takes longer to adjust to sunlight as well as darkness.
  • Because of accumulated damage to hair cells in the inner ear, it’s harder to hear, especially at high frequencies. It’s also harder to understand speech that’s rapid and loaded with information or that occurs in noisy environments.
  • Sleep becomes fragmented. It takes longer for older adults to fall asleep, and they sleep more lightly, awakening more in the night.

This is by no means a complete list of physiological changes that occur as we grow older. And it leaves out the many ways people can adapt to their new normal, something Leipzig spends a great deal of time discussing.

A partial list of what she suggests, organized roughly by the topics above: don’t ignore sudden changes in functioning; seek medical attention. At every doctor’s visit, ask why you’re taking medications, whether doses are appropriate and whether medications can be stopped. Be physically active. Make sure you eat enough protein. Drink liquids even when you aren’t thirsty. Cut down on multitasking and work at your own pace. Do balance and resistance exercises. Have your eyes checked every year. Get hearing aids. Don’t exercise, drink alcohol or eat a heavy meal within two to three hours of bedtime.

“Never say never,” Leipzig said. “There is almost always something that can be done to improve your situation as you grow older, if you’re willing to do it.”

 

Caring from Afar

Long-distance caregivers face daunting challenges  

This is part 1 of a series about caregiving from a distance. Read part 2 here.

A few years before he passed away, Maria Hood noticed that her father wasn’t shaving or showering regularly, which was unusual, because the retired military man had always been impeccably groomed. 

“He wasn’t getting into the shower because he was afraid of falling,” she said. “And his home, normally spotless, was getting messier. The dust bunnies were starting to have babies.” 

It was clear he needed help. But her father lived in Florida, and Hood was in New York.

Hood’s dilemma is a reality for millions of Americans: providing eldercare from afar. According to a 2012 Journal of Gerontological Social Work report, nearly one-third of informal caregiving occurs from a distance. 

Studies estimate that four to seven million people in the United States are long-distance caregivers, and those numbers are expected to rise as longevity increases and birth rates decline. Mobility factors in too. Adult children move away from their parents to pursue careers; parents migrate to warmer climates when they retire. When the older adult begins to experience medical issues, or mobility or cognitive decline, relocating isn’t always possible for either party. 

While the physical and emotional toll of caregiving is well documented, less has been documented about how distance plays a role. What is clear: “Geographic separation can exacerbate care-related stressors,” according to the 2012 report. 

“When you live far away, you don’t know what’s going on,” said Hood, a social worker and director of admissions at United Hebrew, a senior care community in the New York metropolitan area. “You are not the person with eyes on the ground.” 

Long-distance caregivers don’t handle round-the-clock physical care, but many experience significant emotional and psychological distress. They may feel even more distressed than local caregivers, as researchers Joan Monin, PhD, and Richard Schulz, PhD, were surprised to find in a 2009 study.

Distance can make problems seem worse than they actually are. 

“Caregivers who lived farther away, who were the siblings of the primary caregivers, often were more distressed than the caregivers providing the daily support,” said Monin, associate professor at Yale School of Public Health. 

Similarly, a 2004 study found that long-distance caregivers were more likely to report emotional distress than caregivers either residing with their care recipients or less than one hour away.

Stress often stems from the perception that a loved one is suffering, whether it’s physical pain, loneliness and isolation, or confusion due to dementia. Distance tends to amplify that perception. 

“When you’re not nearby, you may be thinking the situation is bad all the time,” Monin said. “There’s no way to know if things are actually fine if you’re not there. The psychological distress is the ruminating, the feeling that you need to stay vigilant.” 

In working with older adults with dementia and their children, Teri Dreher often hears concerns about safety—and feelings of helplessness.  

“I call it the fear of unknowing,” said Dreher, a registered nurse and patient advocate who assists older adults and their families. “It’s not understanding what’s going on and being so far away, you can’t do anything except worry.” 

Diana Cannon, a companion caregiver for older adults in the Dallas area, serves as “another set of eyes” for families who live out of town. Clients hire her to visit their loved ones in senior living communities, sometimes even in high-end facilities that purport to provide round-the-clock care. 

If you hire a caregiver locally, she can report in regularly and even send smartphone videos to reassure you. 

“That’s a big source of stress—making sure family members are getting adequate care,” she said. Communities may boast posh facilities and lavish amenities, she said, but don’t always offer consistent care, which usually boils down to the staff person on duty, who’s typically working for low pay. 

“You don’t know what’s going on, especially if the person has dementia,” Cannon said. “I’m there to make sure they’re not lonely, that they get turned over regularly [if bedridden], that someone answers when they hit the call button, that they’re being listened to and their medications are being dispensed correctly.”

One of her clients called Cannon an “extra daughter.” The client lives in Houston; her mother lived in a senior living community in Dallas until her death at age 96 in 2018. Because her mother had severe hearing loss, talking over the phone was almost impossible. 

“I’d have to scream the whole time,” the daughter said. She hired Cannon to visit and call afterward with updates. Sometimes Cannon even sent short iPhone videos showing how her mom was doing. 

Even with the means to pay for extra help, the client said, caregiving from a distance was stressful for her and her sister, who also lives hours away. 

“When you’re there with your loved one, you wish you were doing what needed to be done at home,” she said. “When you’re at home, you wish you could be there. Diane was our ‘boots on the ground.’ She helped reassure us that Mom was getting good care.” 

Strained Relationships 

Family dynamics often complicate the long-distance caregiving situation.

“Distance can invoke a lot of feelings of sadness, guilt and shame,” said Vanessa Sommer, lead family therapist for signature programming at Caron Treatment Centers in Pennsylvania. “The adult child feels guilt for not being able to be an immediate support source. The caregiver who lives far away may feel a sense of rejection if they offer something as support or help, and it’s refused. The parent may feel abandoned. Or they don’t want to be a burden to their kids or to be seen as less than capable.”

The family’s relationship history plays a role too. “Caregiving crises can bring up a lot of old resentments,” Sommer said. 

When one adult child lives close to the older adult—and the other lives far away—that can lead to conflicting perceptions of how the older adult is faring. 

“The adult child who is closer may have more daily engagement and involvement with the older adult, and they see the changes over a period of time,” Sommer said. “Whereas the distanced child who has only intermittent contact may not necessarily see the physical changes, and that can lead to disagreements.” 

It’s not uncommon for siblings to argue over caregiving decisions, especially when medical crises arise, according to Marilyn Gugliucci, professor and director of geriatrics research at the University of New England. 

“Just as there are helicopter parents, there are helicopter kids—adult children who are too controlling because they fear losing the parent,” she said. “The older adult may have said, ‘I don’t want to go through heroic measures, I’ve had my life, let me go when the time comes.’ But one of the adult children might feel the need to control their lives to ensure they live longer.” As much as possible, the older adult’s wishes should dictate how to proceed. 

It can be difficult to find out from a distance about local resources available for caregivers. 

The stress of caregiving often has ripple effects on the relationships with the caregiver’s spouse and children. Sommer, who works with families of older adults with substance abuse disorder, says a stressful caregiving situation usually affects the entire family. 

Cognitive loss or personality changes due to dementia can make communication even more problematic. Plus, older adults are often reluctant to admit that they’re having difficulty. 

That’s been a challenge for Hood, who is also caring for her in-laws, who live in Tucson. 

“So much depends on the prior relationship between the adult child and elderly parent,” said Hood. “My mother-in-law is the most amazing, sweet woman. But is she at her best dealing with a husband in poor health? Not always.” 

Family members may get frustrated when an older adult is less than forthcoming, or even dishonest, about their situation. Monin encourages empathy. 

“Imagine someone doubting your ability to care for yourself,” she said. “That can be super threatening, even when the parents and children have a good relationship.” 

“All you can do is give each other a lot of grace,” said Hood. “Try to put yourself in the person’s shoes. Most older people are fiercely independent. They don’t want to burden their children. They may dread moving into a senior living community or having someone coming into their household. It’s easier to think, ‘I’m OK.’” 

Searching for Solutions

Tracking down assistance in another city can also pose challenges. Some communities offer services like daily telephone calls or other welfare checks for older adults. Finding out about those services, however, isn’t easy for those who live far away. Monin thinks policy makers need to assist long-distance caregivers in finding and connecting with resources from afar. She’d like to see a searchable, technology platform that would allow caregivers to find reputable resources in the care recipient’s local area, such as senior community centers, long-term-care centers, hospitals, physicians and other networks of supportive communities.  

In the meantime, to keep stress as manageable as possible, experts advise thinking ahead. Anticipate problems, know the older adult’s wishes in the event of an emergency and have a plan. 

“It’s all about prevention,” said Barry Wu, MD, professor of medicine (geriatrics) at Yale School of Medicine. “If your loved one falls, for example, you don’t want to be scrambling at the last minute.” 

Wu is in Connecticut; his 90-year-old mother lives in Pittsburgh. He relies on technology to help bridge the distance. 

“Her mobility has steadily declined over the last few years, so I set up cameras in her room, with her permission,” he said. He can look in on his mother any time from his smartphone. In addition, he calls her once a day, at a specific time, to make sure she’s OK. He assembled a list of local contacts—his mother’s physicians, the security person in her apartment building, neighbors and friends—which he posted on her refrigerator and saved in his phone. When problems crop up, he can call on his brother, who lives in the Pittsburgh area, to step in. 

Maria Hood began to travel to Florida more often once her father’s housekeeping and hygiene started to lapse. She hired a housekeeper to tackle some of the household chores, which allowed her father to stay in his home a little longer. Eventually, he moved into an independent living senior community, and then, after an injury, into skilled nursing, where he spent the rest of his days. 

In response to her experiences with her father and her in-laws, Hood and her husband sat down with their son and daughter and expressed their wishes for how they’d like to be cared for when the time comes. She draws on her own experience for her job at United Hebrew as she advises families navigating caregiving from a distance.

“The first thing I tell them is, ‘You are not alone,’” she said. “There are a lot of people in the same boat.” 

Dementia Can Take a Toll on Financial Health

Some families only learn about it after the damage is done

In this article, health and science journalist Sarah Boden looks at what happens when dementia leads to financial disasters for individuals and their families. She also describes the so-far-ineffective efforts governments have made to protect those living with dementia from attempts to exploit them. KFF Health News posted Boden’s piece on June 20, 2023. Her work was supported by a partnership that included WESA (Pittsburgh’s NPR station), NPR and KFF Health News. 

Angela Reynolds knew her mother’s memory was slipping, but she didn’t realize how bad things had gotten until she started to untangle her mom’s finances: unpaid bills, unusual cash withdrawals and the discovery that, oddly, the mortgage on the family home had been refinanced at a higher interest rate.

Looking back, Reynolds realizes her mother was in the early stages of Alzheimer’s disease: “By the time we caught on, it was too late.”

Reynolds and her mother are among a large group of Americans grappling with the financial consequences of cognitive decline.

A growing body of research shows money problems are a possible warning sign—rather than only a product—of certain neurological disorders. This includes a 2020 study from Johns Hopkins University of more than 81,000 Medicare beneficiaries that found people with Alzheimer’s and related dementias became more likely to miss bill payments up to six years before a formal diagnosis.

The reach of these conditions is enormous. One recent study found nearly 10 percent of people over age 65 have dementia; more than twice as many are living with mild cognitive impairment.

Missing the Signs of Declining Cognition

One weekday in the spring of 2018, Reynolds sat next to her 77-year-old mother, Jonnie Lewis-Thorpe, in a courtroom in downtown New Haven, CT. She listened in discomfort as strangers revealed intimate details of their own finances in a room full of people waiting their turn to come before the judge.

Then it hit her: “Wait a second. We’re going to have to go up there, and someone’s going to be listening to us.”

That’s because the family home was in foreclosure. The daughter hoped if she explained to the judge that her mother had Alzheimer’s disease, which had caused a series of financial missteps, she could stop the seizure of the property.

Reynolds can’t pinpoint when Alzheimer’s crept into her mother’s life. A widow, Lewis-Thorpe had lived alone for several years and had made arrangements for her aging, including naming Reynolds her power-of-attorney agent. But Reynolds lived a 450-mile drive away from New Haven, in Pittsburgh, and wasn’t there to see her mom’s incremental decline.

When a person’s mental abilities begin to decline, problems can grow exponentially.

It wasn’t until Reynolds began reviewing her mother’s bank statements that she realized Lewis-Thorpe—once a hospital administrator—had long been in the grip of the disease.

Financial problems are a common reason family members bring their loved ones to the office of Robin Hilsabeck, PhD, a neuropsychologist at the University of Texas at Austin Dell Medical School, who specializes in cognitive issues.

“The brain is really a network, and there are certain parts of the brain that are more involved with certain functions,” said Hilsabeck. “You can have a failure in something like financial abilities for lots of reasons caused by different parts of the brain.”

Some of the reasons are due to normal aging, as Reynolds had assumed about her mother. But when a person’s cognition begins to decline, the problems can grow exponentially.

Dementia’s Causes—and Sometimes Ruthless Impact

Dementia is a syndrome involving the loss of cognitive abilities. The cause can be one of several neurological illnesses, like Alzheimer’s or Parkinson’s, or brain damage from a stroke or head injury.

In most cases, an older adult’s dementia is progressive. The first signs are often memory slips and changes in high-level cognitive skills related to organization, impulse control and the ability to plan—all, critical for money management. And because the causes of dementia vary, so do the financial woes it can create, said Hilsabeck.

For example, with Alzheimer’s comes a progressive shrinking of the hippocampus. That’s the catalyst for memory loss that, early in the course of the disease, can cause a person to forget to pay their bills.

Lewy body dementia is marked by fluctuating cognition: a person veers from very sharp to extremely confused, often within short passages of time. Those with frontotemporal dementia can struggle with impulse control and problem-solving, which can lead to large, spontaneous purchases.

And people with vascular dementia often run into issues with planning, processing and judgment, making them easier to defraud. “They answer the phone, and they talk to the scammers,” said Hilsabeck. “The alarm doesn’t go off in their head that this doesn’t make sense.”

Handling finances is difficult. If you have mild cognitive impairment, you can make mistakes even if you’re doing well otherwise. 

For many people older than 65, mild cognitive impairment, or MCI, can be a precursor to dementia. But even people with MCI who don’t develop dementia are vulnerable.

“Financial decision-making is very challenging cognitively,” said Jason Karlawish, MD, a specialist in geriatrics and memory care at the University of Pennsylvania’s Penn Memory Center. “If you have even mild cognitive impairment, you can make mistakes with finances, even though you’re otherwise doing generally OK in your daily life.”

Some mistakes are irreversible. Despite Reynolds’ best efforts on behalf of her mother, the bank foreclosed on the family home in the fall of 2018.

Property records show that Lewis-Thorpe and her husband bought the two-bedroom Cape Cod for $20,000 in 1966. Theirs was one of the first Black families in their New Haven neighborhood. Lewis-Thorpe had planned to pass this piece of generational wealth on to her daughters.

Instead, U.S. Bank now owns the property. A 2021 tax assessment lists its value as $203,900.

Financial Protections Are Slow to Come

Though she can’t prove it, Reynolds suspects someone had been financially exploiting her mom. At the same time, she feels guilty for what happened to Lewis-Thorpe, who now lives with her: “There’s always that part of me that’s going to say, ‘At what point did it turn, where I could have had a different outcome?’”

Karlawish often sees patients who are navigating financial disasters. What he doesn’t see are changes in banking practices or regulations that would mitigate the risks that come with aging and dementia.

“A thoughtful country would begin to say we’ve got to come up with the regulatory structures and business models that can work for all,” he said, “not just for the 30-year-old.”

But the risk-averse financial industry is hesitant to act—partly out of fear of getting sued by clients.

The Senior Safe Act in 2018, the most recent major federal legislation to address elder wealth management, attempts to address this reticence. It gives immunity to financial institutions in civil and administrative proceedings stemming from employees reporting possible exploitation of a senior—provided the bank or investment firm has trained its staff to identify exploitative activity.

It’s a lackluster law, said Naomi Karp, an expert on aging and elder finances who spent eight years as a senior analyst at the Consumer Financial Protection Bureau’s Office for Older Americans. That’s because the act makes training staff optional, and it lacks government oversight. “There’s no federal agency that’s charged with covering it or setting standards for what that training has to look like,” Karp said. “There’s nothing in the statute about that.”

If you’ve named a ‘trusted contact,’ brokerage firms are now required to notify that person if something seems off about your account. 

One corner of the financial industry that has made modest progress is the brokerage sector, which concerns the buying and selling of securities, such as stocks and bonds. Since 2018, the Financial Industry Regulatory Authority—a nongovernmental organization that writes and enforces rules for brokerage firms—has required agents to make a reasonable effort to get clients to name a “trusted contact.” 

Trusted contacts are similar to the emergency contact health care providers request. They’re notified by a financial institution of concerning activity on a client’s account, then receive a basic explanation of the situation. Ron Long, a former head of Aging Client Services at Wells Fargo, gave the hypothetical of someone whose banking activity suddenly shows regular, unusual transfers to someone in Belarus. A trusted emergency contact could then be notified of that concerning activity.

But the trusted contact has no authority. The hope is that, once notified, the named relative or friend will talk to the account holder and prevent further harm. It’s a start, but a small one. The low-stakes effort is limited to the brokerage side of operations at Wells Fargo and most other large institutions. The same protection is not extended to clients’ credit card, checking or savings accounts.

A Financial Industry Reluctant to Help

When she was at the Consumer Financial Protection Bureau, Karp and her colleagues put out a set of recommendations for companies to better protect the wealth of seniors. The 2016 report included proposals on employee training and changes to fraud detection systems to better detect warning signs, such as atypical ATM use and the addition of a new owner’s name to an existing checking account. “We would have meetings repeatedly with some of the largest banks, and they gave a lot of lip service to these issues,” Karp said. “Change is very, very slow.”

Karp has seen some smaller community banks and credit unions take proactive steps to protect older customers—such as instituting comprehensive staff training and improvements to fraud detection software. But there’s a hesitancy throughout the industry to act more decisively, which seems to stem in part from fears about liability, she said. Banks are concerned they might get sued—or at least lose business—if they intervene when no financial abuse has occurred, or a customer’s transactions were benign.

Policy solutions that address financial vulnerability also present logistical challenges. Expanding something as straightforward as use of trusted contacts isn’t like flipping a light switch, said Long, the former Wells Fargo executive. “You have to solve all the technology issues: Where do you house it? How do you house it? How do you engage the customer to even consider it?”

Still, a trusted contact might have alerted Reynolds much sooner that her mom was developing dementia and needed help.

“I fully believe that they noticed signs,” Reynolds said of her mother’s bank. “There are many withdrawals that came out of her account where we can’t account for the money. … Like, I can see the withdrawals. I can see the bills not getting paid. So where did the money go?”

Special Programs Teach Much-Needed Skills to Dementia Caregivers

But those programs are neither widely available nor widely known

More than 80 percent of the care provided for individuals who have dementia comes from family and friends. Most of these caregivers have no training and get little help. In this article for KFF Health News, journalist Judith Graham describes the programs that are available now, locally or online, what they do and why they’re so important. KFF Health News posted her piece on February 27, 2023. It also ran on CBS News.  

There’s no cure—yet—for Alzheimer’s disease. But dozens of programs developed in the past 20 years can improve the lives of both people living with dementia and their caregivers. 

Unlike support groups, these programs teach caregivers concrete skills, such as how to cope with stress, make home environments safe, communicate effectively with someone who’s confused or solve problems that arise as this devastating illness progresses.

Some of these programs, known as “comprehensive dementia care,” also employ coaches or navigators, who help assess patients’ and caregivers’ needs, develop individualized care plans, connect families to community resources, coordinate medical and social services and offer ongoing practical and emotional support.

Unfortunately, despite a significant body of research documenting their effectiveness, these programs aren’t broadly available or widely known. Only a small fraction of families coping with dementia participate, even in the face of pervasive unmet care needs. And funding is scant, compared with the amount of money that has flooded into the decades-long, headline-grabbing quest for pharmaceutical therapies.

“It’s distressing that the public conversation about dementia is dominated by drug development, as if all that’s needed were a magic pill,” said Laura Gitlin, PhD, a prominent dementia researcher and dean of the College of Nursing and Health Professions at Drexel University in Philadelphia.

“We need a much more comprehensive approach that recognizes the prolonged, degenerative nature of this illness and the fact that dementia is a family affair,” she said.

In the United States, more than 11 million unpaid and largely untrained family members and friends provide more than 80 percent of care to people with dementia, supplying assistance worth $272 billion in 2021, according to the Alzheimer’s Association. (This excludes patients living in nursing homes and other institutions.) Research shows these “informal” caretakers devote longer hours to tending to those with dementia and have a higher burden of psychological and physical distress than other caregivers.

These programs improve the quality of life for people with dementia while lessening the stress on their caregivers. 

Despite those contributions, Medicare expected to spend $146 billion on people with Alzheimer’s disease or other types of dementia in 2022, while Medicaid, which pays for nursing home care for people with low incomes or disabilities, expected to spend about $61 billion.

One might think such enormous spending ensures high-quality medical care and adequate support services, but quite the opposite is true. Medical care for people with Alzheimer’s and other types of dementia in the United States—an estimated 7.2 million individuals, most of them seniors—is widely acknowledged to be fragmented, incomplete, poorly coordinated and insensitive to the essential role that family caregivers play. And support services are few and far between.

“What we offer people, for the most part, is entirely inadequate,” said Carolyn Clevenger, NP, associate dean for transformative clinical practice at Emory University’s Nell Hodgson Woodruff School of Nursing.

Clevenger helped create the Integrated Memory Care program at Emory, a primary care practice run by nurse practitioners with expertise in dementia. Like other comprehensive care programs, they pay considerable attention to caregivers’ as well as patients’ needs. “We spent a great deal of time answering all kinds of questions and coaching,” she told me. This year, Clevenger said, she hopes three additional sites will open across the country.

Expansion is a goal shared by other comprehensive care programs at UCLA (the Alzheimer’s and Dementia Care Program, now available at 18 sites), Eskenazi Health in Indianapolis, the University of California-San Francisco (Care Ecosystem, 26 sites), Johns Hopkins University (Maximizing Independence at Home) and the Benjamin Rose Institute on Aging in Cleveland (BRI Care Consultation, 35 sites).

Over the past decade, a growing body of research has shown these programs improve the quality of life for people with dementia, alleviate troublesome symptoms, help avoid unnecessary emergency room visits or hospitalizations and delay nursing home placement, while also reducing depression symptoms, physical and emotional strain and overall stress for caregivers.

Comprehensive dementia care programs could save billions for Medicare and Medicaid.

In an important development in 2021, an expert panel organized by the National Academies of Sciences, Engineering, and Medicine said there was sufficient evidence of benefit to recommend that comprehensive dementia care programs be broadly implemented.

Now, leaders of these programs and dementia advocates are lobbying Medicare to launch a pilot project to test a new model to pay for comprehensive dementia care. They have been meeting with staff at the Center for Medicare and Medicaid Innovation, and “CMMI has expressed a considerable amount of interest in this,” according to David Reuben, MD, chief of geriatric medicine at UCLA and a leader of its dementia care program.

“I’m very optimistic that something will happen” later this year, said Malaz Boustani, MD, a professor at Indiana University, who helped develop Eskenazi Health’s Aging Brain Care program and who has been part of the discussions with the Centers for Medicare & Medicaid Services.

The Alzheimer’s Association also advocates for a pilot project of this kind, which could be adopted “Medicare-wide” if it’s shown to [be] beneficial and cost-effective, said Matthew Baumgart, the association’s vice president of health policy. Under a model proposed by the association, comprehensive dementia care programs would receive between $175 and $225 per month for each patient in addition to what Medicare pays for other types of care.

A study commissioned by the association estimates that implementing a comprehensive care dementia model could save Medicare and Medicaid $21 billion over 10 years, largely by reducing patients’ use of intensive health care services.

Later this year, caregivers will be able to search an online directory for programs in their area.  

Several challenges await, even if Medicare experiments with ways to support comprehensive dementia care. There aren’t enough health care professionals trained in dementia care, especially in rural areas and low-income urban areas. Moving programs into clinical settings, including primary care practices and medical clinics, may be challenging, given the extent of dementia patients’ needs. And training needs for program staff members are significant.

Even if families receive some assistance, they may not be able to afford necessary help in the home or other services, such as adult day care. And many families coping with dementia may remain at a loss to find help.

To address that, the Benjamin Rose Institute on Aging later this year plans to publish an online consumer directory of evidence-based programs for dementia caregivers. For the first time, people will be able to search, by ZIP code, for assistance available near them. “We want to get the word out to caregivers that help is available,” said David Bass, a senior vice president at the Benjamin Rose Institute, who’s leading that effort.

Generally, programs for dementia caregivers are financed by grants or government funding and free to families. Often, they’re available through Area Agencies on Aging—organizations that families should consult if they’re looking for help. Some examples:

  • Savvy Caregiver, delivered over six weeks to small groups in person or over Zoom. Each week, a group leader (often a social worker) gives a mini-lecture, discusses useful strategies and guides group members through exercises designed to help them manage issues associated with dementia. Now offered in 20 states, Savvy Caregiver recently introduced an online, seven-session version of the program that caregivers can follow on their schedule.
  • REACH Community, a streamlined version of a program recommended in the 2021 National Academy of Sciences report. In four, hour-long sessions in person or over the phone, a coach teaches caregivers about dementia, problem-solving strategies, and managing symptoms, moods, stress and safety. A similar program, REACH VA, is available across the country through the Department of Veterans Affairs.
  • Tailored Activity Program. In up to eight, in-home sessions over four months, an occupational therapist assesses the interests, functional abilities and home environment of a person living with dementia. Activities that can keep the individual meaningfully engaged are suggested, along with advice on how to carry them out and tips for simplifying the activities as dementia progresses. The program is being rolled out across health care settings in Australia and is being reviewed as a possible component of geriatric, home-based care by the VA, Gitlin said.

 

What AI Can Do for Older Adults

Among other things, it can keep them safer and connect them better to those they love

When Alyssa Weakley’s 82-year-old grandmother was diagnosed with Alzheimer’s in 2019, the family scrambled to respond. Her grandmother lived in southern California; Weakley and other family members were in northern California and Washington State. As problems arose, they took turns flying down to see the older woman. Often, that meant leaving a job or making child-care arrangements on short notice. 

Weakley, who is an assistant professor in the Department of Neurology at University of California Davis Health, tried to find a way to use technology to help. Despite her expertise in both Alzheimer’s and assistive technologies, she had no luck. 

“There was nothing that allowed us to help her or to get feedback to know what was really going on with her,” said Weakley. 

Now, she’s part of a research team working on what she hopes will be a solution: Interactive Care, or I-Care, a platform that will use unobtrusive sensors to help caregivers stay connected to older adults living with mild cognitive impairment or early-stage dementia. 

Unlike most existing platforms to monitor older adults, I-Care will harness the power of artificial intelligence (AI) 

“Advances in AI technology offer many ways of improving people’s lives,” said Björn Herrmann, PhD, a Scientist and Canada Research Chair in Auditory Aging at the Rotman Research Institute at Baycrest Academy in Toronto. “I believe these will ultimately enable older adults to be more independent and live longer in their own homes.”

Wide Range of Benefits

“Artificial intelligence” broadly refers to machines that can understand, synthesize and generate knowledge [in] much the way that humans do, although the precise definition is still a matter of debate. AI is already embedded in many aspects of our daily lives; if you rely on a virtual personal-assistant app like Siri or Alexa, or drive a car with a navigational system or parking assist, you’re using AI.  

The public release last year of ChatGPT—a type of AI that can respond to questions and generate novel content in natural language—has raised awareness of AI’s rapidly expanding capabilities. It also highlighted concerns about its potential for proliferating misinformation and threatening individual privacy and security. 

“It’s a huge, tectonic change in the whole landscape of technology that has opened up a new era of possibilities,” said Vol Berezhniy, founder of OBS Group, an AI tech startup in Plano, TX. 

An AI system would “think” and make judgments the way a doctor does. 

AI’s potential for assisting older adults spans a wide spectrum that includes robots, exoskeleton devices, intelligent homes, AI-enabled wearables, voice-activated devices and self-driving automobiles. AI-powered devices might serve as rehabilitation therapists, emotional supporters, social companions, personal organizers and cognitive assistants. 

Many experts are especially optimistic about AI’s potential to provide more personalized medical care to older adults. Daniel Chow, MD, co-director of the Center for Artificial Intelligence in Diagnostic Medicine at the University of California, Irvine, is studying ways AI might facilitate precision medical care, which “delivers the right therapy for the right patient at the right time.”

For example, Chow said, researchers are discovering that there are many types of Alzheimer’s or dementia. A patient’s genetic makeup may point to one type or another. Each type may respond better to some medications or treatments than others. Imaging studies, like brain MRIs, provide vast amounts of additional data, including changes in the brain over time. Patients’ speech patterns might also provide clues about the type and stage of disease. Even patients’ social, economic or environmental situations may also need to factor into treatment plans.   

“That’s a lot of information, so how do we put it all together?” asked Chow, who is also neuroradiology chief in the Department of Radiological Sciences at the UCI School of Medicine. “AI allows us the computational method to include and incorporate all this information and tailor treatment accordingly.” An AI system would “think” and make judgments in the same way that a doctor does, but with the ability to quickly factor in vast quantities of data from imaging, genetics, patient history and more—and even “learn” from information collected on each patient’s response to treatment.  

Robots as Companions

Frank’s story started with a common problem: he was having trouble taking care of himself. The older man, who had mild dementia, wasn’t eating regularly or remembering to take his medications. 

Worried, his son bought him a companion robot. At first, Frank was resistant. “That thing is going to murder me in my sleep!” he groused. But soon Frank warmed to the robot, which prepared his meals, cleaned his home, helped with his medications and became a constant companion. 

Frank’s story is fiction—it’s the plot of the 2012 film Robot & Frank. But AI is turning fantasy into reality on some levels. Humanlike robots that can perform all the tasks of a butler or home health aide—and converse naturally with a human being—are still a long way off, but advances in AI are making robots more and more useful for specialized tasks, said Wendy Rogers, PhD, professor of kinesiology and community health at the University of Illinois and director of the Human Factors and Aging Laboratory. 

Several tech startups are experimenting with social robots, which provide companionship and conversation. Rogers has studied Moxie, a robot designed for children with autism, for its potential for providing social engagement for older adults with mild cognitive impairment. Unlike Alexa or Siri, users don’t need to remember to use the robot’s name to engage. 

“Moxie is very socially interactive,” she said. “One of our older adults was just talking with it and having a whole conversation.” 

Another social robot on the market is ElliQ, a small device resembling Pixar’s playful desk lamp and accompanied by a tablet. As part of a pilot project, the New York State Office for the Aging is providing ElliQ to older adult clients like Judy Washington, 74. ElliQ greets Washington every morning when she wakes up (cued when she turns on the room light), reminds her to exercise and take her medication, keeps track of her comings and goings and occasionally tells corny jokes. Washington laughs when she shares how ElliQ even gave her a nickname: “Nugget.”  

“I know it’s a machine, but it helps a great deal,” said Washington, who lives alone and has limited mobility due to a stroke. “It keeps you company.”  

For older adults who live alone, a companion robot can provide reassurance, mental stimulation and even a connection to other people. 

ElliQ typically interacts with a user 20 times a day; the device is programmed to be proactive and emotionally intelligent. Initial studies show that ElliQ reduces loneliness by 80 percent and spurred some 82 percent of users to be more physically active. 

“For older people living alone, a robotic companion can provide a sense of having someone in the house, some reassurance and safety, keep them connected to the world and other people and provide cognitive stimulation,” said Elizabeth Broadbent, PhD, professor of psychological medicine at the University of Auckland in New Zealand. “The robots can also send health data and medical alerts to medical professionals and family members to provide assistance when required.”

Broadbent has also studied Paro, a therapeutic baby harp seal robot developed in Japan. When tested in a residential care facility for older adults in New Zealand, Paro proved reliable, easy to use and comforting and calming for residents.

But there are still hurdles to widespread adoption. Robots are expensive and must be recharged periodically. Most require a connection with a monthly service fee.  

“It’s still very challenging to build a reliable robot for a price that people are willing to pay for it,” said Broadbent.

Experts note that robots and other AI-powered devices will also benefit older adults in many significant ways they may not see. Rogers expects that “back of house” robots will handle more and more time-consuming, repetitive tasks in senior living communities and hospitals. If robots deliver medications or meals in a senior community, for example, staff members are freed up to spend more time engaging directly with residents. 

Herrmann expects AI will also accelerate research in many areas that will benefit older adults. In his own work in hearing and aging, he uses brief audio stories to assess subjects’ hearing. Before, creating the stories meant enlisting writers and voice actors; now they can be generated in minutes using ChatGPT.  

Potential Downsides

The spotlight on AI and ChatGPT has raised concerns about protecting users’ privacy and security. How those issues will be addressed remains unclear, but it’s likely that government regulation, academic research and market forces will combine to design safe systems. Currently, the European Union is negotiating an AI Act to regulate how the technology is developed and deployed. In the United States, the Federal Trade Commission has issued statements with guidelines for AI companies. Academic and research institutions are also shaping the conversation.  

Some researchers worry about the potential for AI to perpetuate ageism, similar to the way social media spreads misinformation. A 2022 World Health Organization policy brief proposed measures to counter that, such as including older people in the design of AI-based technologies and on data science teams; collecting data in an age-inclusive manner; investing in ways to boost digital literacy among older adults and protecting the rights of older users to give their consent and to contest issues.

AI technologies could also empower fraudsters to reach more older adult victims, more quickly and inexpensively, with even more convincing scams. Herrmann led a study that revealed that older adults appear less able to distinguish between AI-generated speech and human speech, compared to younger counterparts.

“These findings suggest that older adults may be at higher risk of being taken advantage of,” he said.  

AI can also generate speech that mimics a specific person’s voice, which offers great promise for older adults who have lost speech capabilities. For example, AI can enable ALS patients to speak with a natural voice much like their own, in contrast to the robotic voice that became Stephen Hawking’s trademark. In the wrong hands, however, the same capability could make it easier for older adults to fall for the so-called “Granny Scam,” in which a caller posing as a grandchild claims to be in trouble and convinces an older relative to send money. 

Living Independently 

In the I-Care project’s current stage, Weakley and her team are tracking human subjects as they move about and perform activities of daily living in an apartment-like lab. Sensors installed in each room track vibrations created by the subject’s movements.

AI interprets these vibrations in precise ways. The sound of a human falling is different from a box or other object falling; information collected by the researchers will “train” the AI to detect the difference. Similarly, the system will track whether the subject spent much of the day in bed or on the couch, took their medication on time or made an unusual number of trips to the bathroom. Ultimately, the data will transmit to a family member or caregiver who can step in if needed. 

The system is unobtrusive (there are no cameras) and passive (the older person need not input any information or wear a device).

Laurie Miller, founder of AgeTechNow.com, predicts systems like I-Care won’t replace human caregivers but will act as caregivers’ eyes and ears when they are not present. 

“That might help reduce instances of ’crisis-based care’ that force families to scramble,” she said. For example, if the system notes the resident using the bathroom frequently at night—something that even a live-in caretaker might otherwise miss—that might suggest a urinary tract infection. The caregiver may be prompted to seek medical help before the problem becomes an emergency. 

If an individual can live the life they want, longer, with less assistance … that’s going to have positive emotional effects for the caregiver as well as the care receiver.

Alyssa Weakley, PhD

Miller, who also owns Apple Care and Companion, a home care agency in Plano, adds that even with current technology—like wearable pendants or the Apple Watch fall-detection app—instances where an older person falls and can’t get up for many hours still occur with alarming frequency. Older users may forget to wear their devices or refuse to call 911 out of embarrassment. Passive AI-based systems would help alleviate these problems. 

“With just a little of this kind of oversight, many older people can live safely at home longer,” she said. 

Weakley hopes the system she’s working on will eventually make life easier for the four million Americans who care for a loved one in another city or state. Had her family had access to I-Care back in 2019, she believes their story would have unfolded differently. 

Today, Weakley’s grandmother is in an assisted living community near her home. Although she resisted the move initially, she’s now happy and well-adjusted. 

“My grandmother would’ve had the potential to stay home longer,” Weakley said. “There would’ve been less crisis care; we would not have had to drop everything as often as we did. And it would’ve made the decision to transition her (to assisted living) easier.” 

Weakley thinks AI-powered innovations will ultimately boost older adults’ sense of self-efficacy and connection. 

“If an individual can live the life they want longer, with less assistance or (with) the kind of assistance they want, in an environment that is as normal as possible, that’s going to have positive emotional effects for the caregiver as well as the care receiver,” she said. 

 

Remote Work: An Underestimated Benefit for Family Caregivers

The option to work remotely makes a huge difference in many situations

As businesses consider whether their employees should work from home, they take into account the needs of those with children but seldom think about caregivers looking after an elderly parent, for example, or a spouse. Yet 20 percent of the nation’s workers are family caregivers. Journalist Joanne Kenen delves into the problem in this article for KFF Health News, which posted her piece on May 19, 2023. The story also ran on USA Today. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues. 

For Aida Beltré, working remotely during the pandemic came as a relief.

She was taking care of her father, now 86, who has been in and out of hospitals and rehabs after a worsening series of strokes in recent years.

Working from home for a rental property company, she could handle it. In fact, like most family caregivers during the early days of COVID-19, she had to handle it. Community programs for the elderly had shut down.

Even when Beltré switched to a hybrid work role—meaning some days in the office, others at home—caring for her father was manageable, though never easy.

Then she was ordered back to the office full time in 2022. By then, Medicaid was covering 17 hours of home care a week, up from five. But that was not close to enough. Beltré, now 61, was always rushing, always worrying. There was no way she could leave her father alone so long.

She quit. “I needed to see my dad,” she said.

In theory, the national debate about remote or hybrid work is one great, big, teachable moment about the demands on the 53 million Americans taking care of an elderly or disabled relative.

But the “return to office” debate has centered on commuting, convenience and child care. That fourth C, caregiving, is seldom mentioned.

That’s a missed opportunity, caregivers and their advocates say.

Employers and co-workers understand the need to take time off to care for a baby. But there’s a lot less understanding about time to care for anyone else. “We need to destigmatize it and create a culture where it’s normalized, like birth or adoption,” said Karen Kavanaugh, MSW, chief of strategic initiatives at the Rosalynn Carter Institute for Caregivers. For all the talk of cradle to grave, she said, “mostly, it’s cradle.”

After her stepmother died, Beltré moved her father into her home in Fort Myers, FL, in 2016. His needs have multiplied, and she’s been juggling, juggling, juggling. She’s exhausted and, now, unemployed.

The option to work remotely is no substitute for federal action on things like a national long term care policy and family leave.

She’s also not alone. About one-fifth of US workers are family caregivers, and nearly a third have quit a job because of their caregiving responsibilities, according to a report from the Rosalynn Carter Institute. Others cut back their hours. The Rand Corp. has estimated that caregivers lose half a trillion dollars in family income each year—an amount that’s almost certainly gone up since the report was released nearly a decade ago.

Beltré briefly had a remote job but left it. The position required sales pitches to people struggling with elder care, which she found uncomfortable. She rarely gets out—only to the grocery store and church, and even then, she’s constantly checking on her dad.

“This is the story of my life,” she said.

Workplace flexibility, however desirable, is no substitute for a national long term care policy, a viable long term care insurance market or paid family leave, none of which are on Washington’s radar.

President Joe Biden gave family caregivers a shoutout in his State of the Union address in February and followed up in April with an executive order aimed at supporting caregivers and incorporating their needs in planning federal programs, including Medicare and Medicaid. Last year, his Department of Health and Human Services released a National Strategy to Support Family Caregivers, outlining how federal agencies can help and offering road maps for the private sector.

Although Biden checked off priorities and potential innovations, he didn’t offer any money. That would have to come from Congress. And Congress right now is locked in a battle over cutting spending, not increasing it.

So that leaves it up to families.

Remote work can’t fill all the caregiving gaps, particularly when the patient has advanced disease or dementia and needs intense round-the-clock care from a relative who is also trying to do a full-time job from the kitchen table.

But there are countless scenarios in which the option to work remotely is an enormous help.

When a disease flares up. When someone is recuperating from an injury, an operation or a rough round of chemo. When a paid caregiver is off, or sick or AWOL. When another family caregiver, the person who usually does the heavy lift literally or metaphorically, needs respite.

“Being able to respond to time-sensitive needs for my dad at the end of his life, and to be present with my stepmother, who was the 24/7 caregiver, was an incredible blessing,” said Gretchen Alkema, a well-known expert in aging policy, who now runs a consulting firm and was able to work from her dad’s home as needed.

Caregivers who quit their jobs lose pay, benefits, Social Security and retirement savings.

That flexibility is what Rose Garcia has come to appreciate, as a small-business owner and a caregiver for her husband.

Garcia’s husband and business partner, Alex Sajkovic, has Lou Gehrig’s disease. Because of his escalating needs and the damage the pandemic wrought on their San Francisco stone and porcelain design company, she downsized and redesigned the business. They cashed in his retirement fund to hire part-time caregivers. She goes to work in person sometimes, particularly to meet architects and clients, which she enjoys. The rest of the time she works from home.

As it happened, two of her employees also had caregiving obligations. Her experience, she said, made her open to doing things differently.

For one employee, a hybrid work schedule didn’t work out. She had many demands on her, plus her own serious illness, and couldn’t make her schedule mesh with Garcia’s. For the other staff member, who has a young child and an older mother, hybrid work let her keep the job.

A third worker comes in full time, Garcia said. Since he’s often alone, his dogs come too.

In Lincoln, NE, Sarah Rasby was running the yoga studio she co-owned, teaching classes and taking care of her young children. Then, at 35, her twin sister, Erin Lewis, had a sudden cardiac event that triggered an irreversible and ultimately fatal brain injury. For three heartbreaking years, her sister’s needs were intense, even when she was in a rehab center or nursing home. Rasby, their mother and other family members spent hour after hour at her side.

Rasby, who also took on all the legal and paperwork tasks for her twin, sold the studio.

“I’m still playing catch-up from all those years of not having income,” said Rasby, now working on a graduate degree in family caregiving.

Economic stress is not unusual. Caregivers are disproportionately women. If caregivers quit or go part time, they lose pay, benefits, Social Security and retirement savings.

Most people able to work from home have jobs that are computer-based.

“It’s really important to keep someone attached to the labor market,” the Rosalynn Carter Institute’s Kavanaugh said. Caregivers “prefer to keep working. Their financial security is diminished when they don’t—and they may lose health insurance and other benefits.”

But given the high cost of home care, the sparse insurance coverage for it and the persistent workforce shortages in home health and adult day programs, caregivers often feel they have no choice but to leave their jobs.

At the same time, though, more employers, facing a competitive labor market, are realizing that flexibility regarding remote or hybrid work helps attract and retain workers. Big consultant companies like BCG offer advice on “the working caregiver.” 

Successful remote work during the pandemic has undercut bosses’ abilities to claim, “You can’t do your job like that,” observed Rita Choula, director of caregiving for the AARP Public Policy Institute. It’s been more common in recent years for employers to offer policies that help workers with child care. Choula wants to see them expanded “so that they represent a broad range of caregiving that occurs across life.”

Yet even with COVID’s reframing of in-person work, telecommuting is still not the norm. A March report from the Bureau of Labor Statistics found only one in four private businesses had some or all of their workforce remote last summer—a drop-off from 40 percent in 2021, the second pandemic summer. Only about one in 10 workplaces are fully remote.

And remote and hybrid work is mostly for people whose jobs are largely computer-based. A restaurant server can’t refill a coffee cup via Zoom. An assembly line worker can’t weld a car part from her father-in-law’s bedside.

But even in the service and manufacturing sectors, willing employers can explore creative solutions, like modified shift schedules or job shares, said Kavanaugh, who is running pilot programs with businesses in Michigan. Cross-training so workers can fill in for one another when one has to step into caregiving is another strategy.

New approaches can’t come soon enough for Aida Beltré, who finds joy in caregiving along with the burden. She’s looking for work, hybrid this time. “I am a people person,” she said. “I need to get out.”

She also needs to be in. “Every night, he says, ‘Thank you for all you do,’” she said of her father. “I tell him, ‘I do this because I love you.’”

More Older Americans Likely to Die of Heart Disease in the Future

Blacks and Hispanics will be especially vulnerable

Deaths from heart disease were dropping nicely for a while, but after 2010, the number of fatalities began to rise again. In this piece written for KFF Health News, Judith Graham delves into the reasons for this change, what it portends for the future and what COVID revealed about the groups and parts of the country most at risk. KFF Health News posted her piece on its website on May 30, 2023. It also ran on the Washington Post.

Cardiovascular disease—the No. 1 cause of death among people 65 and older—is poised to become more prevalent in the years ahead, disproportionately affecting Black and Hispanic communities and exacting an enormous toll on the health and quality of life of older Americans.

The estimates are sobering: by 2060, the prevalence of ischemic heart disease (a condition caused by blocked arteries and also known as coronary artery disease) is projected to rise 31 percent compared with 2025; heart failure will increase 33 percent; heart attacks will grow by 30 percent; and strokes will increase by 34 percent, according to a team of researchers from Harvard and other institutions. The greatest increase will come between 2025 and 2030, they predicted.

The dramatic expansion of the US aging population (cardiovascular disease is far more common in older adults than in younger people) and rising numbers of people with conditions that put them at risk of heart disease and stroke—high blood pressure, diabetes, and obesity foremost among them—are expected to contribute to this alarming scenario.

Because the risk factors are more common among Black and Hispanic populations, cardiovascular illness and death will become even more common for these groups, the researchers predicted. (Hispanic people can be of any race or combination of races.)

“Disparities in the burden of cardiovascular disease are only going to be exacerbated” unless targeted efforts are made to strengthen health education, expand prevention and improve access to effective therapies, wrote the authors of an accompanying editorial, from Stony Brook University in New York and Baylor University Medical Center in Texas.

Between 2011 and 2019, deaths from cardiovascular disease increased by 13 percent.

“Whatever focus we’ve had before on managing [cardiovascular] disease risk in Black and Hispanic Americans, we need to redouble our efforts,” said Clyde Yancy, MD, chief of cardiology and vice dean for diversity and inclusion at Northwestern University’s Feinberg School of Medicine in Chicago, who was not involved with the research.

Of course, medical advances, public health policies and other developments could alter the outlook for cardiovascular disease over the next several decades.

More than 80 percent of cardiovascular deaths occur among adults 65 or older. For about a dozen years, the total number of cardiovascular deaths in this age group has steadily ticked upward, as the ranks of older adults have expanded and previous progress in curbing fatalities from heart disease and strokes has been undermined by Americans’ expanding waistlines, poor diets and physical inactivity.

Among people 65 and older, cardiovascular deaths plunged 22 percent between 1999 and 2010, according to data from the National Heart, Lung, and Blood Institute—a testament to new medical and surgical therapies and treatments and a sharp decline in smoking, among other public health initiatives. Then between 2011 and 2019, deaths climbed 13 percent.

The COVID-19 pandemic has also added to the death toll, with coronavirus infections causing serious complications such as blood clots and millions of seniors avoiding seeking medical care out of fear of becoming infected. Most affected have been low-income individuals and older, non-Hispanic Black and Hispanic people, who have died from the virus at disproportionately higher rates than non-Hispanic white people.

African Americans, facing the stress of racial discrimination, are more likely to have high blood pressure and other conditions that increase the risk of cardiovascular disease. 

“The pandemic laid bare ongoing health inequities,” and that has fueled a new wave of research into disparities across various medical conditions and their causes, said Nakela Cook, MD, a cardiologist and executive director of the Patient-Centered Outcomes Research Institute, an independent organization authorized by Congress.

One of the most detailed examinations yet, published in JAMA Cardiology in March, examined mortality rates in Hispanic, non-Hispanic Black, and non-Hispanic white populations from 1990 to 2019 in all 50 states and the District of Columbia. It showed that Black men remain at the highest risk of dying from cardiovascular disease, especially in Southern states along the Mississippi River and in the northern Midwest. (The age-adjusted mortality rate from cardiovascular disease for Black men in 2019 was 245 per 100,000, compared with 191 per 100,000 for white men and 135 per 100,000 for Hispanic men. Results for women within each demographic were lower.)

Progress stemming deaths from cardiovascular disease in Black men slowed considerably between 2010 and 2019. Across the country, cardiovascular deaths for that group dropped 13 percent, far less than the 28 percent decline from 2000 to 2010 and 19 percent decline from 1990 to 2000. In the regions where Black men were most at risk, the picture was even worse: in Mississippi, for instance, deaths of Black men fell only 1 percent  from 2010 to 2019, while in Michigan they dropped 4 percent. In the District of Columbia, they actually rose by nearly 5 percent.

While individual lifestyles are partly responsible for the unequal burden of cardiovascular disease, the American Heart Association’s 2017 scientific statement on the cardiovascular health of African Americans notes that “perceived racial discrimination” and related stress are associated with hypertension, obesity, persistent inflammation and other clinical processes that raise the risk of cardiovascular disease.

Though Black people are deeply affected, so are other racial and ethnic minorities who experience adversity in their day-to-day lives, several experts noted. However, recent studies of cardiovascular deaths don’t feature some of these groups, including Asian Americans and Native Americans.

We really need to be going into vulnerable communities and reaching people where they’re at to increase their knowledge of risk factors and how to reduce them.

—Natalie Bello, MD

What are the implications for the future? Noting significant variations in cardiovascular health outcomes by geographic location, Alain Bertoni, MD, an internist and professor of epidemiology and prevention at Wake Forest University School of Medicine, said, “We may need different solutions in different parts of the country.”

Gregory Roth, a coauthor of the JAMA Cardiology paper and an associate professor of cardiology at the University of Washington School of Medicine, called for a renewed effort to educate people in at-risk communities about “modifiable risk factors”—high blood pressure, high cholesterol, obesity, diabetes, smoking, inadequate physical activity, unhealthy diet and insufficient sleep. The American Heart Association has suggestions on its website for promoting cardiovascular health in each of these areas.

Michelle Albert, MD, a cardiologist and the current president of the American Heart Association, said more attention needs to be paid in medical education to “social determinants of health”—including income, education, housing, neighborhood environments and community characteristics—so the health care workforce is better prepared to address unmet health needs in vulnerable populations.

Natalie Bello, MD, a cardiologist and the director of hypertension research at the Smidt Heart Institute at Cedars-Sinai Medical Center in Los Angeles, said, “We really need to be going into vulnerable communities and reaching people where they’re at to increase their knowledge of risk factors and how to reduce them.” This could mean deploying community health workers more broadly or expanding innovative programs like ones that bring pharmacists into Black-owned barberships to educate Black men about high blood pressure, she suggested.

“Now, more than ever, we have the medical therapies and technologies in place to treat cardiovascular conditions,” said Rishi Wadhera, MD, a cardiologist and section head of health policy and equity research at the Smith Center for Outcomes Research in Cardiology at Beth Israel Deaconess Medical Center in Boston. What’s needed, he said, are more vigorous efforts to ensure all older patients, including those from disadvantaged communities, are connected with primary care physicians and receive appropriate screening and treatment for cardiovascular risk factors, and high-quality, evidence-based care in the event of heart failure, a heart attack or a stroke.

What to Do When Your Older Parents Resist Help or Advice

To find a solution, you may need a new set of skills

A kind of role reversal can happen when your parents take risks or jeopardize their health, and you worry and insist they do what you think they should do. That often gets you nowhere. In this article, Judith Graham, a columnist for KFF Health News, consults experts for tips on how to handle such situations. Her piece was posted on the KFF Health News website on May 19, 2023. It also ran on CNN. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues. 

It was a regrettable mistake. But Kim Sylvester thought she was doing the right thing at the time.

Her 80-year-old mother, Harriet Burkel, had fallen at her home in Raleigh, NC, fractured her pelvis and gone to a rehabilitation center to recover. It was only days after the death of Burkel’s 82-year-old husband, who’d moved into a memory care facility three years before.

With growing distress, Sylvester had watched her mother, who had emphysema and peripheral artery disease, become increasingly frail and isolated. “I would say, ‘Can I help you?’ And my mother would say, ‘No, I can do this myself. I don’t need anything. I can handle it,’” Sylvester told me.

Now, Sylvester had a chance to get some more information. She let herself into her mother’s home and went through all the paper work she could find. “It was a shambles—completely disorganized, bills everywhere,” she said. “It was clear things were out of control.”

Sylvester sprang into action, terminating her mother’s orders for anti-aging supplements, canceling two car warranty insurance policies (Burkel wasn’t driving at that point), ending a yearlong contract for knee injections with a chiropractor and throwing out donation requests from dozens of organizations. When her mother found out, she was furious.

“I was trying to save my mother, but I became someone she couldn’t trust—the enemy. I really messed up,” Sylvester said.

Dealing with an older parent who stubbornly resists offers of help isn’t easy. But the solution isn’t to make an older person feel like you’re steamrolling them and taking over their affairs. What’s needed instead are respect, empathy and appreciation of the older person’s autonomy.

Before interfering, try asking yourself whether what your loved one is doing really matters to their health or safety.

“It’s hard when you see an older person making poor choices and decisions. But if that person is cognitively intact, you can’t force them to do what you think they should do,” said Anne Sansevero, RN, president of the board of directors of the Aging Life Care Association, a national organization of care managers who work with older adults and their families. “They have a right to make choices for themselves.”

That doesn’t mean adult children concerned about an older parent should step aside or agree to everything the parent proposes. Rather, a different set of skills is needed.

Cheryl Woodson, MD, an author and retired physician based in the Chicago area, learned this firsthand when her mother—whom Woodson described as a “very powerful” woman—developed mild cognitive impairment. She started getting lost while driving and would buy things she didn’t need, then give them away.

Chastising her mother wasn’t going to work. “You can’t push people like my mother or try to take control,” Woodson told me. “You don’t tell them, ‘No, you’re wrong,’ because they changed your diapers and they’ll always be your mom.”

Instead, Woodson learned to appeal to her mother’s pride in being the family matriarch. “Whenever she got upset, I’d ask her, ‘Mother, what year was it that Aunt Terri got married?’ or ‘Mother, I don’t remember how to make macaroni. How much cheese do you put in?’ And she’d forget what she was worked up about and we’d just go on from there.”

Woodson, author of To Survive Caregiving: A Daughter’s Experience, a Doctor’s Advice, also learned to apply a “does it really matter to safety or health?” standard to her mother’s behavior. It helped Woodson let go of her sometimes unreasonable expectations. One example she related: “My mother used to shake hot sauce on pancakes. It would drive my brother nuts, but she was eating, and that was good.”

“You don’t want to rub their nose into their incapacity,” said Woodson, whose mother died in 2003.

Try to offer help in a way that’s face-saving for the other person.

Barry Jacobs, PsyD, a clinical psychologist and family therapist, sounded similar themes in describing a psychiatrist in his late 70s who didn’t like to bend to authority. After his wife died, the older man stopped shaving and changing his clothes regularly. Though he had diabetes, he didn’t want to see a physician and instead prescribed medicine for himself. Even after several strokes compromised his vision, he insisted on driving.

Jacobs’ take: “You don’t want to go toe-to-toe with someone like this, because you will lose. They’re almost daring you to tell them what to do, so they can show you they won’t follow your advice.”

What’s the alternative? “I would employ empathy and appeal to this person’s pride as a basis for handling adversity or change,” Jacobs said. “I might say something along the lines of, ‘I know you don’t want to stop driving and that this will be very painful for you. But I know you have faced difficult, painful changes before, and you’ll find your way through this.’”

“You’re appealing to their ideal self rather than treating them as if they don’t have the right to make their own decisions anymore,” he explained. In the older psychiatrist’s case, conflict with his four children was constant, but he eventually stopped driving.

Another strategy that can be useful: “Show up, but do it in a way that’s face-saving,” Jacobs said. Instead of asking your father if you can check in on him, “go to his house and say, ‘The kids really wanted to see you. I hope you don’t mind.’ Or, ‘We made too much food. I hope you don’t mind my bringing it over.’ Or, ‘I wanted to stop by. I hope you can give me some advice about this issue that’s on my mind.’”

This psychiatrist didn’t have any cognitive problems, though he wasn’t as sharp as he used to be. But encroaching cognitive impairment often colors difficult family interactions.

If you think this might be a factor with your parent, instead of trying to persuade them to accept more help at home, try to get them medically evaluated, said Leslie Kernisan, MD, author of When Your Aging Parent Needs Help: A Geriatrician’s Step-by-Step Guide to Memory Loss, Resistance, Safety Worries, & More. 

You always want to give the older adult a chance to weigh in and talk about . . . their feelings and concerns.

—Leslie Kernisan, MD 

“Decreased brain function can affect an older adult’s insight and judgment and ability to understand the risks of certain actions or situations, while also making people suspicious and defensive,” she noted.

This doesn’t mean you should give up on talking to an older parent with mild cognitive impairment or early-stage dementia, however. “You always want to give the older adult a chance to weigh in and talk about what’s important to them and their feelings and concerns,” Kernisan said.

“If you frame your suggestions as a way of helping your parent achieve a goal they’ve said was important, they tend to be much more receptive to it,” she said.

A turning point for Sylvester and her mother came when the older woman, who developed dementia, went to a nursing home at the end of 2021. Her mother, who at first didn’t realize the move was permanent, was furious, and Sylvester waited two months before visiting. When she finally walked into Burkel’s room, bearing a Valentine’s Day wreath, Burkel hugged her and said, “I’m so glad to see you,” before pulling away. “But I’m so mad at my other daughter.”

Sylvester, who doesn’t have a sister, responded, “I know, Mom. She meant well, but she didn’t handle things properly.” She learned the value of what she calls a therapeutic fiblet from Kernisan, who ran a family caregiver group Sylvester attended between 2019 and 2021.

After that visit, Sylvester saw her mother often, and all was well between the two women up until Burkel’s death. “If something was upsetting my mother, I would just go, ‘Interesting,’ or, ‘That’s a thought.’ You have to give yourself time to remember this is not the person you used to know and create the person you need to be your parent, who’s changed so much.”

 

The Cure Can Be Worse Than the Disease 

Older people are more at risk for cancer—and for side effects from cancer drugs

Older people are seldom included in clinical trials of drugs and other therapies, which means that, when doctors treat older cancer patients, too often they have to make decisions about what to do with little evidence from trials to go on. Journalist Jyoti Madhusoodanan explores the problem in this story, originally published by the digital magazine Undark on July 6, 2023. Her reporting was supported in part by a fellowship from the Gerontological Society of America, the Journalists Network on Generations, and the Silver Century Foundation. 

In October 2021, 84-year-old Jim Yeldell was diagnosed with stage 3 lung cancer. The first drug he tried disrupted his balance and coordination, so his doctor halved the dose to minimize these side effects, Yeldell recalled. 

In addition, his physician recommended a course of treatment that included chemotherapy, radiation and a drug targeting a specific genetic mutation. This combination can be extremely effective—at least in younger people—but it can also be “incredibly toxic” in older, frail people, said Elizabeth Kvale, MD, who is a palliative care specialist at Baylor College of Medicine and also Yeldell’s daughter-in-law.

Older patients are often underrepresented in clinical trials of new cancer treatments, including the one offered to Yeldell. As a result, he only learned of the potential for toxicity because his daughter-in-law had witnessed the treatment’s severe side effects in the older adults at her clinic.

This dearth of age-specific data has profound implications for clinical care, as older adults are more likely than younger people to be diagnosed with cancer. In the United States, approximately 42 percent of people with cancer are over the age of 70—a number that’s poised to grow in the years to come—and yet they comprise less than a quarter of the people in clinical trials to test new cancer treatments. Those who do participate are often the healthiest of the aged, who may not have common age-related conditions such as diabetes or poor kidney or heart function, said Mina Sedrak, MD, a medical oncologist and the director of the Cancer and Aging Program at the University of California, Los Angeles.

For decades, clinical trials have tended to exclude older participants for reasons that range from concerns about preexisting conditions and other medications to participants’ ability to travel to trial locations. As a result, clinicians have little way of being certain that approved cancer drugs will work, as predicted in clinical trials, for the people most likely to have cancer. This dearth of data means that older cancer patients must decide if they want to pursue a treatment that might yield fewer benefits—and cause more side effects—than it did for younger people in the clinical trial.

This evidence gap extends across the spectrum of cancer treatments—from chemotherapy and radiation to immune checkpoint inhibitors—with sometimes dire results. Many forms of chemotherapy, for example, have proven to be more toxic in older adults, a discovery that came only after the drugs were approved for use in this population. “This is a huge problem,” Sedrak said. In an effort to minimize side effects, doctors will often tweak the dose or duration of medications that are given to older adults, but these physicians are doing this without any real guidance.

Despite recommendations from funders and regulators and extensive media coverage, not much has changed in the past three decades. 

“We’re in this space where everyone agrees this is a problem, but there’s very little guidance on how to do better for older adults,” Kvale said. “The consequences in the real world are stark.”

Chemotherapy causes potentially life-threatening side effects in about half of patients over 65 who have advanced cancer. 

Postapproval studies of cancer drugs have helped shed light on the disconnect between how these drugs are used in clinical trials and how they are used in clinics around the country.

For example, when physician and cancer researcher Cary Gross, MD, of Yale University set out to study the use of a new kind of cancer drug known as an immune checkpoint inhibitor, he knew that most clinicians were well aware that clinical trials overlooked older patients. Gross’ research team suspected that some doctors might be wary of offering older adults the treatments, which work by preventing immune cells from switching off, thus allowing them to kill cancer cells. “Maybe they’re going to be more careful,” he said, and offer the intervention to younger patients first.

But in a 2018 analysis of more than 3,000 patients, Gross and his colleagues found that within four months of approval by the US Food and Drug Administration, most patients eligible to receive a class of immune checkpoint inhibitors were being prescribed the drugs. And the patients receiving this treatment in clinics were significantly older than those in the clinical trials. 

“Oncologists were very ready to give these drugs to the older patients, even though they’re not as well represented,” Gross said.

In another analysis, published this year, Gross and his colleagues examined how these drugs helped people diagnosed with lung cancer. The team found that the drugs extended the life of patients under the age of 55 by a median of five months, but only by a month in those over the age of 75.

The evidence doesn’t suggest checkpoint inhibitors aren’t helpful for many patients, said Gross. But it’s important to identify which particular populations are helped the most by these drugs. “I thought that we would see a greater survival benefit than we did,” he said. “It really calls into question how we’re doing research, and we really have to double down on doing more research that includes older patients.”

Most clinical trials no longer have an upper age limit, but older participants are still scarce.

People over the age of 65 don’t fare well with other types of cancer treatments, either. About half of older patients with advanced cancer experience potentially life-threatening side effects with chemotherapy, which can lead oncologists to lower medication doses, as in Yeldell’s case.

There’s a strong connection between the lack of evidence from clinical trials and worse outcomes in the clinic, according to Kvale. “There’s a lot of enthusiasm for these medicines that don’t seem so toxic up front,” Kvale said, “but understanding where they do or don’t work well is key, not just because of the efficacy, but because those drugs are almost toxically expensive sometimes.”

This financial aspect is especially critical, said Gross, because Medicare benefits must cover new cancer treatments that are FDA-approved. “It’s a little bit crazy that Medicare is required to cover these drugs if we don’t know whether they work in the older population,” he said.

Since the earliest reports of this data gap, regulators and researchers have tried to fix the problem. Changes to clinical trials have, in principle, made it easier for older adults to sign up. For instance, most studies no longer have an upper age limit for participants. Last year, the FDA issued guidance to industry-funded trials, recommending the inclusion of older adults and relaxing other criteria, such as measures of kidney function, to allow for participants with natural, age-related declines. Still, the problem persists.

When Sedrak and colleagues set out to understand why the needle had moved so little over the past few decades, their analysis found a number of explanations, beginning with eligibility criteria that may inadvertently disqualify older adults. Physicians may also be concerned about their older patients’ ability to tolerate unknown side effects of new drugs. Patients and caregivers shared these concerns. The logistics of participation can also prove problematic.

“But of all these, the main driving force, the upstream force, is that trials are not designed with older adults in mind,” Sedrak said. Clinical trials tend to focus on survival, and while older adults do care about this, they often have other motivations—and concerns—when considering treatment.

Most clinical trials are geared toward measuring improvements in health: they may track the size of tumors or months of life gained. These issues aren’t always top of mind for older adults, said Sedrak. He said he’s more likely to hear questions about how side effects may influence the patient’s cognitive function, ability to live independently and more. “We don’t design trials that capture the end points that older adults want to know,” he said.

One way doctors can make better decisions in treating older cancer patients is to take into account their biological—rather than just their actual—age. 

As a group, older adults do experience more side effects, and sometimes they are so severe that the cure rivals the disease. In the absence of evidence from clinical trials, clinicians and patients have tried to find other ways to predict how a patient’s age might influence their response to treatment. In Yeldell’s case, discussions with Kvale and his care team led him to choose a less intensive course of treatment that has kept his cancer stable since October 2022. He continues to live in his own home and exercise with a trainer three times a week.

For others trying to weigh their choices, researchers are developing tools that can create a more complete picture by accounting for a person’s physiological age. In a 2021 clinical trial, geriatric oncologist Supriya Mohile, MD, of the University of Rochester and her colleagues tested the use of one such tool, known as a geriatric assessment, on the side effects and toxicity of cancer treatments. The tool assesses a person’s biological age based on various physiological tests.

The team recruited more than 700 people with an average age of 77 who were about to embark on a new cancer treatment regimen with a high risk of toxicity. Half the participants received guided treatment management recommendations based on a geriatric assessment, which their oncologists factored into their treatment decisions. Only half of this group of patients experienced serious side effects from chemotherapy, compared to 71 percent of those who didn’t receive specialized treatment recommendations.

This type of assessment can help avoid both undertreatment of people who might benefit from chemotherapy and overtreatment of those at risk of serious side effects, Mohile said. It doesn’t compensate for the data on older adults that’s missing from clinical trials, but in the absence of that evidence, tools such as geriatric assessment can help clinicians, patients, and families make better-informed choices. 

“We’re kind of going backwards around the problem,” Mohile said. Although geriatric oncologists recognize the need for better ways to make decisions, she said, “I think the geriatric assessment needs to be implemented until we have better clinical trial data.”

Since 2018, the American Society of Clinical Oncology has recommended the use of geriatric assessment to guide cancer care for older patients. But clinicians have been slow to follow through in their practice, in part because the assessment doesn’t show any cancer-specific benefits, such as tumors shrinking or people living longer. Instead, the tool’s main purpose is to improve quality of life. 

“We need more prospective therapeutic trials in older adults, but we also need all of these other mechanisms to be funded,” said Mohile. “So we actually know what to do for older adults who are in the real world.”

Making the Most of the ‘Extra 30’

What will you do with the longer life you can expect to live?

When Bob Evans lost his job in 2009, he began to consider what was next. He’d spent more than 30 years in the horticulture industry, mostly in sales and customer service positions in landscaping and lawn care. 

His wife reminded him that, in his 20s, Evans had wanted to become a nurse but set the dream aside to support the family. 

“It’s too late now,” he replied.

“I don’t think so,” she said. 

So Evans went back to school—in his mid-50s, the oldest person in his class. He earned a nursing degree and got a job as a registered nurse in a hospital. Just as he’d imagined in his 20s, he loved the work. 

People can expect later-in-life pivots, like Evans’ new career, to become more and more common as we live longer, according to the Stanford Center on Longevity. Human life expectancies doubled between 1900 and 2000. Living to age 100 will become commonplace by the middle of the 21st century. 

As more people live to 100, they may alternate time spent on work and career with periods devoted to family or caregiving.

“The 100-year life is here,” according to the Center’s report, The New Map of Life. “We’re not ready.”

Most people still expect life and career to follow the timeline shaped by a 60- or 70-year lifespan, according to the report, viewing the “extra” 20 or 30 years afforded by increased longevity as an extension of retirement and older age. In this model, college and graduate school, childrearing and prime earning years are crammed into the 20s, 30s and 40s. 

That needs to change, according to the report. This unparalleled demographic shift “calls for equally momentous and creative changes in the ways we lead these longer lives.” 

As more people live to 100, the report predicts, life trajectories will become more fluid and more flexible, and multiple transitions over the course of life will be viewed as “a feature, not a bug.” People will shift gears routinely, to new phases of work and career, possibly alternating with periods devoted to lifelong learning or family and caregiving responsibilities. 

Adapting to Change

“As people live longer, they’re realizing that retirement is not a destination, it’s a transition and a time of new beginnings,” said Dorian Mintzer, a retirement coach and coauthor of The Couple’s Retirement Puzzle: 10 Must-Have Conversations for Creating an Amazing New Life Together (2014). “It can be a time to rewire, rejuvenate and revolutionize.” 

Longer lives may lead more people to follow unconventional paths, like that of Jim and Lynda McDevitt of Plano, TX. Now in their early 70s, they’ve pivoted twice in the last two decades. After retiring in the early 2000s from long careers with the Internal Revenue Service, the couple opened a neighborhood wine shop called Corner Wines—and loved it. 

“We liked to say, ‘We’re like Cheers,’ because the shop was a place where everybody knew your name,” Lynda McDevitt said. “Most of the friends we have now, we made at our store.” 

Eventually, the shop’s six-days-a-week schedule began to take a physical toll, and the couple wanted to spend more time with their granddaughter. They sold Corner Wines in 2020. Now they call themselves “officially retired” but continue to stay engaged, providing occasional consulting services and leading “wine-themed” group tours to places like Tuscany and Napa Valley. 

Self-confidence is the key to success when you start a new career or any other new endeavor.

“We had such a passion for wine, we couldn’t let it go,” Lynda McDevitt said. 

Several factors made the McDevitts’ later-in-life transition possible. Both enjoy good health. Pensions from their IRS careers provided a financial base. Wine was their passion, but they’d honed practical skills while at the IRS: the basics of accounting, managing and marketing a business. Both had work experiences that gave them the confidence to start something new: Jim had presented proposals to top officials at the IRS; Lynda had fielded media interviews as an IRS spokesperson. 

That type of confidence is key in embarking on any new career or endeavor, Evans said. Even though he had worked in a very different field before he became a nurse, basic skills—like computer proficiency—buoyed his confidence to tackle the next phase. 

“Computer literacy was a big part of being able to jump back into college in my late 50s, to be able to function and graduate,” he said. “You can’t really stay in the game if you can’t work at a computer at least at a minimum level.” Former co-workers in his previous career who didn’t embrace the computer and internet have had more difficulty adapting, he added.

Along with confidence, a new start takes humility. 

“Assuming the role of novice required … swallowing my pride,” Evans said. That was humbling but necessary to learn the skills to serve patients.

Finding Purpose

In filming her 2022 documentary Lives Well Lived: Celebrating the Secrets, Wit & Wisdom of Age, which aired on PBS, filmmaker Sky Bergman chose interviewees, ages 75 and up, who were resilient, active and engaged—and discovered that all shared a common trait. 

“Everyone had a sense of purpose,” said Bergman, who is professor emeritus of photography and video at Cal Poly State University in San Luis Obispo, CA. “That purpose could change over time, and often did change over time, but that was the common thread.”

A health scare in 2003 helped Mellanie True Hills, 71, of Greenwood, TX, identify her next purpose. She developed a heart blockage, followed by atrial fibrillation (“afib”), which caused her heart to race. Surgery corrected the problem, but at the time, patients had little access to reliable information about afib. After Hills retired from her corporate job, she created a website, StopAfib.org, and began organizing annual patient conferences featuring experts. 

Skills developed over her long career in IT, web development and accounting all came to her aid. But Hills also credits her thirst for knowledge and her lifelong learning habit. 

When you start something new, don’t be afraid to change or to take a risk.

“When I was young, I had a boss who said, ‘Mellanie finds a vacuum and fills it,’” she said. “That is the mindset you need to have to start something new. You see a need and you fill it. It’s also a matter of not being afraid to change. That is hard for some older adults. Not being afraid to take a risk. Risk is the price you pay for opportunity.” 

Jan Gero pushes himself to keep taking risks artistically at the age of 90. After five previous careers—architect, modern dancer, fashion designer, documentary filmmaker and artist—he has reinvented himself as a monologist. Recently, he performed a one-man show, Naked at 90: An Evening with Jan Gero

His daily life is solitary, which he prefers, but he shares a video journal online and hosts The Compulsive New Yorker, a public access cable show from his apartment in New York. 

“I’m basically just saying what’s on my mind,” he said. “A lot of what I’m doing is trying to come to terms with death, because it’s a finality, a biological reality. Every day, I’m kind of asking myself the question, ‘Am I on the path to going down with a smile, rather than a sneer?’” 

Envisioning the Extra Years

Jerry Cahn, an executive coach in New York, recently launched a workshop titled, “Age Brilliantly: Maximize Your Ability to Lead a Fulfilling 100+ Year Life.” It’s not just for executives approaching retirement, however. 

The 30 “extra” years that many will enjoy shouldn’t be viewed as tacked on at the end of life, he said. Those years might be devoted to sabbaticals at any age, to provide breathing space for creative growth. Cahn cited a young professional who left one high-pressure job but postponed the start of his next job to devote four months to travel, including visits to Mount Everest, Nepal and the Camino de Santiago in Spain. 

Cahn added that many executives meticulously plan their finances for retirement and later life but head into their post-career years with vague plans, such as, “I’d like to travel.” 

“That might mean traveling six or seven weeks out of the year,” he said. “But what about the other 45 weeks? They don’t tend to think about that.” 

Mary “Molly” Camp, MD, assistant professor in the department of psychiatry at UT Southwestern Medical Center in Dallas, said more and more of her patients want to talk about how they’ll handle retirement and the second half of life. 

Young people might seek help for transitions—a guidance counselor when choosing a college or a therapist for premarital counseling. But there’s little to guide middle-aged or older people to prepare for the later transitions in life. Camp hopes that’s beginning to change.

“We’re evolving in our knowledge of human development, where we don’t think of adulthood as something you reach and then it plateaus and stays the same,” she said. “Instead, we’re understanding that life changes through lots of different phases, lots of different transitions, including career changes and retirement. It’s not that we turn 55 and everything becomes static.” 

Yet Another Chapter 

The COVID-19 pandemic forced Bob Evans to pivot again in 2020. His age and health issues made it too risky for him to work around COVID patients. He left nursing with plans to eventually return—then discovered that he enjoyed retirement. His wife, an IT recruiter, still works from their home in the Cleveland area, so Evans, 68, handles the household duties, including maintaining their large, landscaped yard, and volunteers with the Cleveland Hiking Club, helping to build a new pavilion at a local park. He looks in often on his father, who’s 93 and lives nearby. He’s developed an interest in family history. 

Just in case, he also keeps his nursing license up-to-date. 

“I’m not sure what the next chapter is going to be,” he said, “But that’s the fun part.” 

An Underestimated Benefit for Family Caregivers

The option to work remotely makes a huge difference in many situations

As businesses consider whether their employees should work from home, they take into account the needs of those with children but seldom think about caregivers looking after an elderly parent, for example, or a spouse. Yet 20 percent of the nation’s workers are family caregivers. Journalist Joanne Kenen delves into the problem in this article for KFF Health News, which posted her piece on May 19, 2023. The story also ran on USA Today. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues. 

For Aida Beltré, working remotely during the pandemic came as a relief.

She was taking care of her father, now 86, who has been in and out of hospitals and rehabs after a worsening series of strokes in recent years.

Working from home for a rental property company, she could handle it. In fact, like most family caregivers during the early days of COVID-19, she had to handle it. Community programs for the elderly had shut down.

Even when Beltré switched to a hybrid work role—meaning some days in the office, others at home—caring for her father was manageable, though never easy.

Then she was ordered back to the office full time in 2022. By then, Medicaid was covering 17 hours of home care a week, up from five. But that was not close to enough. Beltré, now 61, was always rushing, always worrying. There was no way she could leave her father alone so long.

She quit. “I needed to see my dad,” she said.

In theory, the national debate about remote or hybrid work is one great, big, teachable moment about the demands on the 53 million Americans taking care of an elderly or disabled relative.

But the “return to office” debate has centered on commuting, convenience and child care. That fourth C, caregiving, is seldom mentioned.

That’s a missed opportunity, caregivers and their advocates say.

Employers and co-workers understand the need to take time off to care for a baby. But there’s a lot less understanding about time to care for anyone else. “We need to destigmatize it and create a culture where it’s normalized, like birth or adoption,” said Karen Kavanaugh, MSW, chief of strategic initiatives at the Rosalynn Carter Institute for Caregivers. For all the talk of cradle to grave, she said, “mostly, it’s cradle.”

After her stepmother died, Beltré moved her father into her home in Fort Myers, FL, in 2016. His needs have multiplied, and she’s been juggling, juggling, juggling. She’s exhausted and, now, unemployed.

The option to work remotely is no substitute for federal action on things like a national long term care policy and family leave.

She’s also not alone. About one-fifth of US workers are family caregivers, and nearly a third have quit a job because of their caregiving responsibilities, according to a report from the Rosalynn Carter Institute. Others cut back their hours. The Rand Corp. has estimated that caregivers lose half a trillion dollars in family income each year—an amount that’s almost certainly gone up since the report was released nearly a decade ago.

Beltré briefly had a remote job but left it. The position required sales pitches to people struggling with elder care, which she found uncomfortable. She rarely gets out—only to the grocery store and church, and even then, she’s constantly checking on her dad.

“This is the story of my life,” she said.

Workplace flexibility, however desirable, is no substitute for a national long term care policy, a viable long term care insurance market or paid family leave, none of which are on Washington’s radar.

President Joe Biden gave family caregivers a shoutout in his State of the Union address in February and followed up in April with an executive order aimed at supporting caregivers and incorporating their needs in planning federal programs, including Medicare and Medicaid. Last year, his Department of Health and Human Services released a National Strategy to Support Family Caregivers, outlining how federal agencies can help and offering road maps for the private sector.

Although Biden checked off priorities and potential innovations, he didn’t offer any money. That would have to come from Congress. And Congress right now is locked in a battle over cutting spending, not increasing it.

So that leaves it up to families.

Remote work can’t fill all the caregiving gaps, particularly when the patient has advanced disease or dementia and needs intense round-the-clock care from a relative who is also trying to do a full-time job from the kitchen table.

But there are countless scenarios in which the option to work remotely is an enormous help.

When a disease flares up. When someone is recuperating from an injury, an operation or a rough round of chemo. When a paid caregiver is off, or sick or AWOL. When another family caregiver, the person who usually does the heavy lift literally or metaphorically, needs respite.

“Being able to respond to time-sensitive needs for my dad at the end of his life, and to be present with my stepmother, who was the 24/7 caregiver, was an incredible blessing,” said Gretchen Alkema, a well-known expert in aging policy, who now runs a consulting firm and was able to work from her dad’s home as needed.

Caregivers who quit their jobs lose pay, benefits, Social Security and retirement savings.

That flexibility is what Rose Garcia has come to appreciate, as a small-business owner and a caregiver for her husband.

Garcia’s husband and business partner, Alex Sajkovic, has Lou Gehrig’s disease. Because of his escalating needs and the damage the pandemic wrought on their San Francisco stone and porcelain design company, she downsized and redesigned the business. They cashed in his retirement fund to hire part-time caregivers. She goes to work in person sometimes, particularly to meet architects and clients, which she enjoys. The rest of the time she works from home.

As it happened, two of her employees also had caregiving obligations. Her experience, she said, made her open to doing things differently.

For one employee, a hybrid work schedule didn’t work out. She had many demands on her, plus her own serious illness, and couldn’t make her schedule mesh with Garcia’s. For the other staff member, who has a young child and an older mother, hybrid work let her keep the job.

A third worker comes in full time, Garcia said. Since he’s often alone, his dogs come too.

In Lincoln, NE, Sarah Rasby was running the yoga studio she co-owned, teaching classes and taking care of her young children. Then, at 35, her twin sister, Erin Lewis, had a sudden cardiac event that triggered an irreversible and ultimately fatal brain injury. For three heartbreaking years, her sister’s needs were intense, even when she was in a rehab center or nursing home. Rasby, their mother and other family members spent hour after hour at her side.

Rasby, who also took on all the legal and paperwork tasks for her twin, sold the studio.

“I’m still playing catch-up from all those years of not having income,” said Rasby, now working on a graduate degree in family caregiving.

Economic stress is not unusual. Caregivers are disproportionately women. If caregivers quit or go part time, they lose pay, benefits, Social Security and retirement savings.

Most people able to work from home have jobs that are computer-based.

“It’s really important to keep someone attached to the labor market,” the Rosalynn Carter Institute’s Kavanaugh said. Caregivers “prefer to keep working. Their financial security is diminished when they don’t—and they may lose health insurance and other benefits.”

But given the high cost of home care, the sparse insurance coverage for it and the persistent workforce shortages in home health and adult day programs, caregivers often feel they have no choice but to leave their jobs.

At the same time, though, more employers, facing a competitive labor market, are realizing that flexibility regarding remote or hybrid work helps attract and retain workers. Big consultant companies like BCG offer advice on “the working caregiver.” 

Successful remote work during the pandemic has undercut bosses’ abilities to claim, “You can’t do your job like that,” observed Rita Choula, director of caregiving for the AARP Public Policy Institute. It’s been more common in recent years for employers to offer policies that help workers with child care. Choula wants to see them expanded “so that they represent a broad range of caregiving that occurs across life.”

Yet even with COVID’s reframing of in-person work, telecommuting is still not the norm. A March report from the Bureau of Labor Statistics found only one in four private businesses had some or all of their workforce remote last summer—a drop-off from 40 percent in 2021, the second pandemic summer. Only about one in 10 workplaces are fully remote.

And remote and hybrid work is mostly for people whose jobs are largely computer-based. A restaurant server can’t refill a coffee cup via Zoom. An assembly line worker can’t weld a car part from her father-in-law’s bedside.

But even in the service and manufacturing sectors, willing employers can explore creative solutions, like modified shift schedules or job shares, said Kavanaugh, who is running pilot programs with businesses in Michigan. Cross-training so workers can fill in for one another when one has to step into caregiving is another strategy.

New approaches can’t come soon enough for Aida Beltré, who finds joy in caregiving along with the burden. She’s looking for work, hybrid this time. “I am a people person,” she said. “I need to get out.”

She also needs to be in. “Every night, he says, ‘Thank you for all you do,’” she said of her father. “I tell him, ‘I do this because I love you.’”

 

How to Preplan Your Own Funeral

And why it’s a really good idea to do that

This is part 2 in our series on funerals. Read part 1 here. 

When Amy Martin’s mother-in-law died last year at the age of 96, the funeral arrangements were easy. Her mother-in-law had discussed her wishes with her two adult children. Everything was specified in writing: the burial plot, the chapel for the funeral service, the hymns to be sung, the scripture to be read, even the brightly colored pantsuit and shoes she wanted to be buried in. 

“She really gave it some care and some thought,” said Martin. “It was done out of love. She didn’t want any of her kids to have anything to worry about.” 

Having seen how smoothly things unfolded, Martin, 66, is glad that she and her husband also have plans in place for their own funerals—with people designated to handle them—especially, given that they don’t have children.  

But the Martins are in the minority. While most people agree that preplanning a funeral is a good idea, only about 15 percent of those over age 40 have prepared plans, according to a 2015 Harris Poll survey for the Funeral and Memorial Information Council.

Why do so few of us make funeral plans? 

“We live in a death-denying culture,” said Joe Reardon, vice president of marketing at Keohane Funeral Home in the Boston area. “We don’t talk about death. We can kill dozens of people in seconds on a video game, but otherwise, death is removed from our presence and our conversation. People die in hospitals, not homes. They’re cremated in a crematorium, with no family members present. It’s as if, ‘If you don’t talk about it, it’s not real.’”

Also, death has no place in a youth-oriented culture that’s averse to emotions like grief, sadness and loss, according to Alan Wolfelt of the Center for Loss and Life Transition. Some families now opt for direct burial or direct cremation, with no viewing, no service and no memorial gathering. Others bypass traditional funerals for festive “celebrations of life.” Wolfelt has even heard some dismiss somber memorial services as “barbaric.” 

“We lack an understanding that there are times in life when it’s appropriate to be sad,” he said. “We want to go around our grief instead of through it. Funerals are critical rites of passage. Rituals help us when words are inadequate. That’s why we’ve had these ceremonies since the time of the Neanderthals.” 

Studies show that a family moves faster through the grief process when a funeral is held.

—Randy Anderson

Procrastination is another factor. If you’re healthy and busy, planning your funeral never rises to the top of your to-do  list. Others avoid planning because, subconsciously, they fear it’ll hasten death. Gail Rubin, blogger and author of A Good Goodbye: Funeral Planning for Those Who Don’t Plan to Die (2010), addresses that fear with a joke: “Talking about sex won’t make you pregnant; talking about funerals won’t make you dead.”  

Reardon says many people neglect planning because they “don’t want to make a fuss,” spurred by a sense of self-deprecation that’s well-intentioned.  

“George Washington wanted a simple burial, with no fanfare, no oration, no state funeral,” he said. “He ended up having over 300 funerals. That’s not what he wanted, but that’s what people needed. America was a fledgling nation. He was a war hero.” 

Funerals are for the living, adds Randy Anderson, a funeral director who teaches funeral psychology at Jefferson State Community College in Birmingham, AL. 

“Psychologically, a funeral gives family and friends a chance to talk about the person,” he said. “Studies show that a family moves faster through the grief process when a funeral is held. We’re not made to grieve alone.” 

Anderson cherishes stories he heard at his own father’s funeral. 

“My father had always kept a $100 bill in his pocket,” he said. “It was his way of being prepared to help people in trouble. At his funeral, I heard so many stories I’d never heard before from people who said my dad had given them $100 after a house burned down or after a death in the family.” 

While many efforts have emerged in recent decades—such as The Conversation Project and Death Over Dinner—to reduce that fear and stigma, and to encourage people to talk openly about death and end-of-life wishes, it seems we have a ways to go before the process is an easier one.

A Big Buy

For many of us, a funeral will be the third-largest purchase we’ll ever make, exceeded only by buying a home or car. In 2021, the national median cost of a funeral with a viewing and burial was approximately $7,848 (or $6,971 for a funeral with cremation), according to a study by the National Funeral Directors Association (NFDA.) 

While homes and cars are typically purchased after comparison shopping and much planning, most funerals are arranged within days after a death, while the planner is in the fog of grief. Within hours of a death, the family must choose a funeral home or otherwise specify a place to send the remains. 

Funerals pose a significant financial burden on many families. When arrangements are made “at need,” the burden is likely to be worse. Studies show that families who’ve discussed final arrangements prior to death incurred much lower costs than families that did not. Without time pressures, and without the presence of raw grief, consumers can ask for less expensive options, compare prices and clearly understand what is required versus what would be nice to have.

“When a person dies, there are about 125 decisions that have to be made almost immediately,” said Anderson, who is also a former president of the NFDA. “Will the deceased be buried or cremated? Where and when will the service take place? Who will speak? What music will be played?” 

Most people making funeral decisions have no experience and no clear grasp of what’s involved. 

All of this happens while the family is grieving and possibly grappling with trauma, family conflict or feelings of guilt, according to Rubin.

“People don’t shop around ahead of need,” she said. “So when somebody drops dead, it’s like, ‘Oh my God, I need a burial plot,’ and ‘Oh my God, I need a funeral.’ And that is not the time to be shopping around if you want to compare prices and to be an informed consumer.”

Most people make these decisions with no experience. Many don’t even have a clear grasp of the basic components involved in funeral arrangements. 

“We’ve had [older adult] clients who assumed they’d prepaid the bulk of the cost of a funeral, because they’d already purchased a cemetery plot,” said Carl Burlbaw, director of the Elder Financial Safety Center at the Senior Source, a nonprofit in Dallas. “They didn’t understand that there’s also the cost of a casket, a vault, opening and closing the grave, not to mention the cost of embalming and a funeral service.   

Preplanning also ensures your wishes are followed and your spiritual or religious beliefs are honored. That helps a family avoid conflicts, according to Richard Paskin, managing partner at Funeralwise.com, a funeral planning website. If a parent dies without having expressed their wishes, he said, “One adult child wants to bury the deceased, another wants to cremate. One wants a no-frills funeral, the other wants a fancy one. With preplanning, you’ve at least taken some of the pressure off the family.”

Preplanning can help family members avoid last-minute scrambling by assembling information, such as details for the obituary or the names of chosen pallbearers. Pre-need planning is also key for solo agers—elders without children or surviving family members, who may not have an obvious heir to step in to handle arrangements.  

Steps in Preplanning

Planning a funeral starts with two basic decisions: First, what do you want to do with your body? Today, families have a wide range of options: a traditional burial, cremation, green burial or burial at sea. 

Secondly, what do you want the funeral service to entail? People may work with a funeral home or turn to online resources, such as Funeralwise.com, to explore their options. The NFDA offers RememberingALife.com, with a list of questions to consider for the funeral service, such as: “What music would you like played? Are there any special readings of poetry, scripture, etc. that you would like to have included? How might the location be decorated to reflect your life? What is the one thing you would want attendees to walk away knowing about you and who you are? Are there any special objects or photos you would want on display?”

Those who are religiously unaffiliated need to think creatively when there’s no church or clergyperson to provide a template for the funeral service, Martin notes. She’s been called on to organize and officiate at funerals for many unaffiliated friends. 

“We gather at houses and bars, yoga studios and dance halls, and parks if the weather permits,” she said. “We bring food to share, cover memory tables with mementoes of our lost loved ones and spread out paper to write our grief. Folks share some songs, some poems, a prayer or two  and multitudes of stories about the deceased.” 

You can prepay a funeral home or buy funeral insurance.

The next step is to estimate the cost and plan how it will be paid. 

Some expenses, such as the cemetery space, may be purchased in advance. Some people choose to prepay for a funeral, which involves making all or most of the decisions about it in consultation with a funeral director, then setting up prepayment, typically in monthly installments made directly to the funeral home. Depending on the plan, prepayment can lock in the price of some of the services or purchases involved in the funeral. 

But buyers beware. Prepaid funeral plans aren’t well-regulated. While the Funeral Consumers Alliance advocates preplanning, it advises extreme caution in prepaying. If considering that option, ask what happens if the funeral home goes out of business, and whether the dollar value of the prepaid plan is transferable to another funeral home should you move before you die. Also, you’ll lose the price guarantee if your funeral ends up at another funeral home. Read the fine print.

Another option to prepare financially is funeral insurance—essentially, a life insurance policy that pays money upon your death to cover funeral, burial and other end-of-life expenses. 

Without prepayment or insurance, the cost of a funeral is typically paid out of the proceeds of the deceased’s estate. 

Informing Your Loved Ones

The final step of funeral preplanning: share your wishes, preferably in writing, with the family member or trusted friend who will be responsible for arrangements. Update them as needed. You can also file your wishes with the funeral home you’ve chosen. 

It is possible to name a specific person to handle your funeral arrangements in your will. However, keep in mind that funeral plans are often made before the will is located. It’s important to let the people in your life know who you chose. It’s also possible to legally designate a funeral agent, a person who will handle your funeral arrangements, according to your wishes. This requires written documentation; laws vary by state. Ask an attorney or a local funeral home director for specific guidance. 

Reardon cautions against expressing wishes “in a vacuum,” without realistic guidance on costs, logistics and applicable laws. He assisted the family of a Boston area man who served at a naval base near the Gulf of Mexico. The man wanted his ashes scattered on a beach there, thinking that would be an easy option for the family. 

“But how hard is it to fly everyone to Texas, get the permits to carry the remains and then scatter them on the beach?” Reardon said. “What if not everyone could afford it?”  The man’s simple wishes proved to be a headache. 

Finally, in addition to mapping out your own plans, it’s important to encourage family members to express their wishes. That’s not an easy discussion, but Remembering A Life offers a page on how to start the conversation. 

One Last Howl

Having seen how helpful planning is, Amy Martin has made detailed plans for her own funeral. But hers won’t look anything like her Methodist mother-in-law’s funeral. 

She and her husband made plans to be cremated, with some of their ashes to be scattered at their Unitarian church’s memorial garden. A prepaid, permanent brass plaque there will memorialize them. Because nature has always been central to her spirituality, Martin designed an outdoor ritual to distribute her remaining ashes, with instructions to ensure it’s done in an environmentally responsible way. She has chosen the music and readings. Also, she wants attendees to howl when they scatter her ashes —something she’s had mourners do at friends’ funerals where she’s served as the officiant. 

“Howling is a way to let out pent up emotional energy,” she said. 

Planning also assures Martin that her earth-based spirituality will be honored at her funeral.

“To me, it’s a matter of caring for the people who will be left behind,” she said. 

Many Older Adults Have a Problem with Persistent Fatigue 

It can be linked to chronic illnesses, but sometimes the cause is hard to diagnose

Journalist Judith Graham digs into a problem reported by 55 percent of older patients in one large study. She explores what can cause fatigue and strategies for managing it. KFF Health News posted her article on April 4, 2023, and it also ran in the Washington Post. Funding from the Silver Century Foundation helps KFF Health News develop articles (like this one) on longevity and related health and social issues. 

Nothing prepared Linda C. Johnson of Indianapolis for the fatigue that descended on her after a diagnosis of stage 4 lung cancer in early 2020.

Initially, Johnson, now 77, thought she was depressed. She could barely summon the energy to get dressed in the morning. Some days, she couldn’t get out of bed.

But as she began to get her affairs in order, Johnson realized something else was going on. However long she slept the night before, she woke up exhausted. She felt depleted, even if she didn’t do much during the day.

“People would tell me, ‘You know, you’re getting old.’ And that wasn’t helpful at all. Because then you feel there’s nothing you can do mentally or physically to deal with this,” she told me.

Fatigue is a common companion of many illnesses that beset older adults: heart disease, cancer, rheumatoid arthritis, lung disease, kidney disease, and neurological conditions like multiple sclerosis, among others. It’s one of the most common symptoms associated with chronic illness, affecting 40 to 74 percent of older people living with these conditions, according to a 2021 review by researchers at the University of Massachusetts.

This is more than exhaustion after an extremely busy day or a night of poor sleep. It’s a persistent, whole-body feeling of having no energy, even with minimal or no exertion. “I feel like I have a drained battery pretty much all of the time,” wrote a user named Renee in a Facebook group for people with polycythemia vera, a rare blood cancer. “It’s sort of like being a wrung-out dishrag.”

When older adults who develop fatigue become inactive, that can lead to muscle loss and weakness—and worse fatigue. 

Fatigue doesn’t represent “a day when you’re tired; it’s a couple of weeks or a couple of months when you’re tired,” said Kurt Kroenke, MD, a research scientist at the Regenstrief Institute in Indianapolis, which specializes in medical research, and a professor at Indiana University’s School of Medicine.

When he and colleagues queried nearly 3,500 older patients at a large, primary care clinic in Indianapolis about bothersome symptoms, 55 percent listed fatigue—second only to musculoskeletal pain (65 percent) and more than back pain (45 percent) and shortness of breath (41 percent).

Separately, a 2010 study in the Journal of the American Geriatrics Society estimated that 31 percent of people 51 and older reported being fatigued in the past week.

The impact can be profound. Fatigue is the leading reason for restricted activity in people 70 and older, according to a 2001 study by researchers at Yale. Other studies have linked fatigue with impaired mobility, limitations in people’s abilities to perform daily activities, the onset or worsening of disability, and earlier death. 

What often happens is older adults with fatigue stop being active and become deconditioned, which leads to muscle loss and weakness, which heightens fatigue. “It becomes a vicious cycle that contributes to things like depression, which can make you more fatigued,” said Jean Kutner, MD, a professor of medicine and chief medical officer at the University of Colorado Hospital.

To stop that from happening, Johnson came up with a plan after learning her lung cancer had returned. Every morning, she set small goals for herself. One day, she’d get up and wash her face. The next, she’d take a shower. Another day, she’d go to the grocery store. After each activity, she’d rest.

In the three years since her cancer came back, Johnson’s fatigue has been constant. But “I’m functioning better,” she told me, because she’s learned how to pace herself and find things that motivate her, like teaching a virtual class to students training to be teachers and getting exercise under the supervision of a personal trainer.

Many people who struggle with fatigue seem to have no underlying medical condition. 

When should older adults be concerned about fatigue? “If someone has been doing OK but is now feeling fatigued all the time, it’s important to get an evaluation,” said Holly Yang, MD, a physician at Scripps Mercy Hospital in San Diego and incoming board president of the American Academy of Hospice and Palliative Medicine.

“Fatigue is an alarm signal that something is wrong with the body, but it’s rarely one thing. Usually, several things need to be addressed,” said Ardeshir Hashmi, MD, section chief of the Center for Geriatric Medicine at the Cleveland Clinic.

Among the items physicians should check: Are your thyroid levels normal? Are you having trouble with sleep? If you have underlying medical conditions, are they well controlled? Do you have an underlying infection? Are you chronically dehydrated? Do you have anemia (a deficiency of red blood cells or hemoglobin), an electrolyte imbalance, or low levels of testosterone? Are you eating enough protein? Have you been feeling more anxious or depressed recently? And might medications you’re taking be contributing to fatigue?

“The medications and doses may be the same, but your body’s ability to metabolize those medications and clear them from your system may have changed,” Hashmi said, noting that such changes in the body’s metabolic activity are common as people become older.

Many potential contributors to fatigue can be addressed. But much of the time, reasons for fatigue can’t be explained by an underlying medical condition.

For cancer patients, evidence suggests that the best way to manage fatigue is to gradually improve stamina with physical activity.

That happened to Teresa Goodell, 64, a retired nurse who lives just outside Portland, OR. During a December visit to Arizona, she suddenly found herself exhausted and short of breath while on a hike, even though she was in good physical condition. At an urgent care facility, she was diagnosed with an asthma exacerbation and given steroids, but they didn’t help.

Soon, Goodell was spending hours each day in bed, overcome by profound tiredness and weakness. Even small activities wore her out. But none of the medical tests she received in Arizona and subsequently in Portland—a chest X-ray and CT scan, blood work, a cardiac stress test—showed abnormalities.

“There was no objective evidence of illness, and that makes it hard for anybody to believe you’re sick,” she told me.

Goodell started visiting long COVID web sites and chat rooms for people with chronic fatigue syndrome. Today, she’s convinced she has post-viral syndrome from an infection. One of the most common symptoms of long COVID is fatigue that interferes with daily life, according to the CDC, the Centers for Disease Control and Prevention.

There are several strategies for dealing with persistent fatigue. In cancer patients, “the best evidence favors physical activity such as tai chi, yoga, walking or low-impact exercises,” said Christian Sinclair, MD, an associate professor of palliative medicine at the University of Kansas Health System. The goal is to “gradually stretch patients’ stamina,” he said.

With long COVID, however, doing too much too soon can backfire by causing post-exertional malaise.” Pacing one’s activities is often recommended: doing only what’s most important, when one’s energy level is highest, and resting afterward. “You learn how to set realistic goals,” said Andrew Esch, MD, senior education advisor at the Center to Advance Palliative Care.

Cognitive behavioral therapy can help older adults with fatigue learn how to adjust expectations and address intrusive thoughts such as, “I should be able to do more.” At the University of Texas MD Anderson Cancer Center, management plans for older patients with fatigue typically include strategies to address physical activity, sleep health, nutrition, emotional health and support from family and friends.

“So much of fatigue management is about forming new habits,” said Ishwaria Subbiah, MD, a palliative care and integrative medicine physician at MD Anderson. “It’s important to recognize that this doesn’t happen right away: it takes time.”

Green Burials and Other Nontradional Ways to Honor the End of a Life

There are many different options now for that last goodbye

This is part 1 in a our series on funerals. Read part 2 here.

Near the end of her mother’s life, Barrie Page Hill began thinking about the funeral and the best way to honor her mother.  

“My mom was a wildlife artist and very into nature,” Hill said. “She was happiest when she was sitting by a babbling brook or looking out at a mountain.” 

From conversations, Hill knew her mother wanted a simple funeral but did not want to be cremated. When Hill learned about green burial—with a biodegradable shroud or casket, no embalming and no concrete vault—that seemed like a good fit. But when she tried to make plans, she said, “it was problematic.” 

No cemeteries in the Dallas area, where she lives, allowed green burial. The nearest green cemetery was in Houston. When she inquired at a funeral home, the director tried to “upsell” her toward a more elaborate casket and grave. Hill gave up on going green. 

Overwhelming Choices

Those contemplating funeral arrangements for themselves or a family member now have many choices. In addition to traditional burial or cremation, families may choose options like green burial, composting, burial at sea or donating the body to medical science. 

With more choices, families can plan funerals that better reflect a deceased person’s values or passions. However, more choices can also make the decision process more complicated, even overwhelming. And, as Hill discovered, those who want nontraditional options may face roadblocks. 

That’s because there’s a disconnect between what many consumers want and what the funeral industry offers, according to Darren Crouch, CEO of Passages International, which supplies sustainable items like willow caskets and biodegradable urns to funeral homes. 

“The funeral industry is a relatively traditional industry that has done things a certain way for generations,” he said. “When a death occurs, people are not in a good state. They’re not asking the right questions. Because funerals have time constraints, decisions get made quickly. Without advanced planning, the deceased person—who might have driven a hybrid vehicle, worn organic clothing and eaten organic produce all their life—could easily end up pumped with embalming fluids and buried in a metal casket in a concrete vault.” 

Eco-Friendlier Options 

When someone dies, surviving loved ones must make two basic decisions: what to do with the body (funeral directors call it the “disposition”) and the particulars of the viewing, funeral and/or memorial service. 

The death-care traditions of some religious groups are inherently eco-friendly. For example, for traditional Jewish and Islamic funerals, bodies aren’t embalmed; instead, they are placed in simple wood caskets and buried within one or two days.  

For many others, green burial is appealing because it offers a less expensive option with less impact on the environment, compared to traditional burial. Bodies are buried in biodegradable shrouds or in caskets made of willow, plain wood or cardboard. Green burial grounds generally do not accept embalmed bodies, although some make exceptions for newer, more eco-friendly embalming fluids. To preserve the natural landscape, most don’t allow headstones, but some do permit ground-level stone markers. 

Prices for green burials vary widely by region and the type of green burial site, according to the Funeral Consumers Alliance. A grave site and interment in a green burial ground typically ranges from $1,000 to $4,000. The biggest cost advantage of going green: instead of an expensive metal casket, embalming and a vault, the only cost is a biodegradable casket or shroud. Some burial grounds don’t even require any sort of container. 

A lot of families express interest in green burial, but few end up choosing that route, according to Joseph Reardon, vice president for community development and advance planning for Keohane Funeral Home in the Boston area. Keohane was the first funeral home in Massachusetts certified by the Green Burial Council but it faces a big obstacle: the nearest green burial ground is in Maine. The Green Burial Council estimates that there were 340 certified green burial cemeteries in the United States in 2021. 

Many traditional cemeteries are beginning to set aside space for those who want greener options. However, outdated local and state laws are hindering the growth of dedicated green burial grounds. No state laws explicitly prohibit green burial, but existing laws are tailored to the traditional burial model. For instance, some states require a large endowment fund to establish a new cemetery; that’s cost prohibitive and unnecessary for a cemetery that will be kept in its natural state and won’t need mowing or upkeep.  

Some people donate their body to a medical school because they’re disenchanted with the traditional death industry. 

Green burial isn’t the only eco-friendly option. Emerging alternatives include natural organic reduction, which composts a body into soil, and alkaline hydrolysis (also called aquamation or liquid cremation). In organic reduction, which costs about $5,000, the body is placed in a receptacle along with wood chips, straw or other organic material, and will turn into soil after about four weeks. (Farmers use a similar process to compost livestock.) Alkaline hydrolysis, which costs about $3,500, involves placing the body in a stainless-steel receptacle and adding a pressurized solution to rapidly decompose it into water. These options aren’t legal in all states. Both methods avoid the emissions and energy use associated with conventional cremation, which costs about $1,500. 

One low-cost and altruistic option is donation of the body to science. Cadavers are essential for teaching medical students or for testing new surgical techniques. Body donation usually does not involve any cost to the family. (If the body is donated to a specific medical school that’s not nearby, there may be a transportation cost.) 

A body may be donated directly to a teaching medical school or through a body donation operation such as ScienceCare. About 20,000 people (or their families) donate their bodies to scientific research and education each year, either “because they want to make their deaths meaningful, or because they’re disenchanted with the traditional death industry,” according to the MIT Technology Review

For people who felt a connection to the water in life, burials at sea can be very meaningful for their loved ones. 

Captain Brad White of New England Burials at Sea assists families who wish to scatter ashes or bury a loved one’s body at sea. Per EPA regulations, a body must be taken out to a depth of 600 feet—about 40 miles off the coast of Massachusetts. The body is wrapped in a biodegradable shroud and weighted with cannonballs. 

“Fewer families are seriously religious these days,” White said. “For some, the ocean is their church.” 

Burial at sea avoids the cost of cremation or embalming, as well as a casket, cemetery plot and vault. However, a burial from a boat large enough to accommodate many mourners can run thousands of dollars, largely due to the high cost of fuel. Full body burials at sea are not new, but they are relatively rare. In 2020, 2,544 Americans were buried at sea, according to data collected by the EPA.

Rise in Cremation

When Reardon started in the funeral business 35 years ago, virtually every local funeral followed the traditional Catholic pattern: the deceased was embalmed and placed in a metal casket for the viewing and funeral, usually presided over by a priest, then buried in a cemetery plot with a concrete vault. 

Today, about half of all funerals at Keohane involve cremation. Nationally, the average is about 57 percent. Many choose cremation because it is less expensive—but it’s not cheap. Funerals with cremation averaged $6,971 in 2021, while those with a viewing and burial cost around $7,848, according to the National Funeral Directors Association (NFDA).  

About three-quarters of Keohane’s clientele still desire some sort of permanent marker to remember loved ones, according to Reardon. Many churches and cemeteries are adding columbaria—above-ground vaults for storing the cremains of the departed—as well as spaces for in-ground burial of cremated remains. 

Scattering cremains in a meaningful spot can be problematic. Some cemeteries offer designated scatter gardens, but in other areas a permit may be required. In bodies of water, the highly alkaline cremains can foster algae blooms. That’s why the EPA requires that cremated remains be scattered so far from land, and it forbids scattering at beaches or in wading pools by the sea. 

Some families find creative ways to handle ashes. Reardon knows a family that used a small amount of a loved one’s ashes to make ink for a memorial tattoo. Cremains can be turned into synthetic memorial diamonds. Parting Stone solidifies cremated remains into smooth stones, usually about 50 to 80 stones for an average-sized person. Families share the stones with loved ones or scatter them. 

“Families are spread out these days,” said Justin Crowe, CEO of Parting Stone. “Previously, you lived and died in the same community and were buried in the local cemetery. That physical location doesn’t carry the same importance anymore.” Crowe noted that he has visited his maternal grandfather’s grave in Ohio only once, but keeps his paternal grandfather’s remains with him at his home in Santa Fe. 

Funeral: the Final Goodbye

Once the burial or cremation is arranged, the next decision is the timing, venue and format of a funeral or memorial service. Once limited to places of worship, funeral homes or chapels, memorial gatherings are moving outdoors and to nonsacred places that were meaningful to the deceased.

With a bit of creativity, a funeral can be meaningful and reflect the person’s life without necessarily being costly. NFDA past president Randy Anderson recalled a funeral at his funeral home in Alexander City, AL. The woman loved to cook, so her signature recipe for teacakes was published in a pamphlet, and teacakes were offered after the service. 

Because more and more Americans identify as “nones”—having no religious affiliation—some funeral homes provide certified celebrants to assist families with no religious affiliation in crafting a meaningful ceremony. The NFDA also offers RememberingALife.com, an extensive website with ideas for funeral planning. 

Just as hospice has moved dying from the hospital to the home, a small but growing movement is encouraging families to move the funeral to the home. Family members or death-care guides (also called death doulas) wash the body, wrap it in a shroud and lay it out on a platform. The family sits vigil for a day or two before the body is cremated or buried.  

Funerals held at home must comply with laws that vary from state to state.

Proponents say that a home funeral provides a more intimate, comfortable setting for family and friends. Mourners may be surrounded with photos, clothing, possibly even the deceased’s favorite chair. There are no hours at home funerals; people can easily sit up all night with the deceased, with more time for reminiscing or meditating on the person’s life. Like green burials, home funerals require advance planning. Laws related to home funerals vary by state. New York state law, for example, requires a licensed funeral director to handle many aspects of final arrangements, including the final disposition of the body. That means the family must pay for a funeral director’s services even for a home funeral. In states without that requirement, families choosing at-home funerals must understand the paperwork requirements normally handled by a funeral director, such as how to file the Certificate of Death. 

Many families skipped or postponed funerals during the pandemic. Some now opt for direct cremation or burial, without holding a viewing or memorial service. However, psychologist Alan Wolfelt of the Center for Loss and Life Transition advises against skipping a memorial service entirely. Sitting with the dead body of a loved one helps survivors confront the reality of their loss. Mourning with friends and family helps gather support. When people fail to grieve properly, he adds, it’s easy to end up “living in the shadow of the ghosts of grief.” 

“There’s a reason why humans of every culture have had funeral rituals for thousands of years,” he said. “They are critical rites of passage.” 

As Green as Possible

By the time her mother died at age 83 in 2018, Barrie Page Hill had finally settled on a plan that felt right. She found a small cemetery in a rural area of Oklahoma, near where her mother grew up. The cemetery overlooks a peaceful valley; her plot is under a tree. Her mother’s parents and grandparents are buried there.

Because her mother’s body had to be transported across state lines from Texas to Oklahoma, by law the body had to be embalmed. A funeral home handled the embalming and transported the body to Oklahoma. Hill, her daughter and husband traveled to the cemetery for a private burial. The body was placed in a simple pine casket and buried in the ground, without a vault. 

Hill is at peace.

“It was as green as I could get it, under the circumstances,” Hill said. “And she’s buried in a very peaceful place. It’s lovely.” 

Should Older Seniors Risk Major Surgery?

New, much-needed research offers guidance

Until recently, surprisingly little was known about probable outcomes when people have surgery late in life. Certain risks are becoming clearer now. Writing for KFF Health News journalist Judith Graham explains what new studies are finding and what some doctors and hospitals are doing to make major surgery safer for older people. Graham’s article was posted on the KHN website on Nov. 28, 2022, and also ran on CNN. Funding from the Silver Century Foundation helps KHN develop articles (like this one) on longevity and related health and social issues. 

Nearly one in seven older adults die within a year of undergoing major surgery, according to an important new study that sheds much-needed light on the risks seniors face when having invasive procedures.

Especially vulnerable are older patients with probable dementia (33 percent die within a year) and frailty (28 percent), as well as those having emergency surgeries (22 percent). Advanced age also amplifies risk: patients who were 90 or older were six times as likely to die [as] those ages 65 to 69.

The study in JAMA Surgery, published by researchers at Yale School of Medicine, addresses a notable gap in research: though patients 65 and older undergo nearly 40 percent of all surgeries in the United States, detailed national data about the outcomes of these procedures has been largely missing.

“As a field, we’ve been really remiss in not understanding long-term surgical outcomes for older adults,” said Zara Cooper, MD, a professor of surgery at Harvard Medical School and the director of the Center for Geriatric Surgery at Brigham and Women’s Hospital in Boston.

Of particular importance is information about how many seniors die, develop disabilities, can no longer live independently or have a significantly worsened quality of life after major surgery.

“What older patients want to know is, ‘What’s my life going to look like?’” Cooper said. “But we haven’t been able to answer with data of this quality before.”

Some older people are more likely than others to have a poor outcome from surgery.

In the new study, Thomas Gill, MD, and Yale colleagues examined claims data from traditional Medicare and survey data from the National Health and Aging Trends study spanning 2011 to 2017. (Data from private Medicare Advantage plans was not available at that time but will be included in future studies.)

Invasive procedures that take place in operating rooms with patients under general anesthesia were counted as major surgeries. Examples include procedures to replace broken hips, improve blood flow in the heart, excise cancer from the colon, remove gallbladders, fix leaky heart valves and repair hernias, among many more.

Older adults tend to experience more problems after surgery if they have chronic conditions such as heart or kidney disease; if they are already weak or have difficulty moving around; if their ability to care for themselves is compromised; and if they have cognitive problems, noted Gill, a professor of medicine, epidemiology, and investigative medicine at Yale.

Two years ago, Gill’s team conducted research that showed one in three older adults had not returned to their baseline level of functioning six months after major surgery. Most likely to recover were seniors who had elective surgeries for which they could prepare in advance.

In another study, published last year in the Annals of Surgery, his team found that about one million major surgeries occur in individuals 65 and older each year, including a significant number near the end of life. Remarkably, data documenting the extent of surgery in the older population has been lacking until now.

“This opens up all kinds of questions: Were these surgeries done for a good reason? How is appropriate surgery defined? Were the decisions to perform surgery made after eliciting the patient’s priorities and determining whether surgery would achieve them?” said Clifford Ko, MD, a professor of surgery at UCLA School of Medicine and director of the Division of Research and Optimal Patient Care at the American College of Surgeons.

As the older population grows, paying for major surgeries will be a challenge for Medicare. 

As an example of this kind of decision-making, Ko described a patient who, at 93, learned he had early-stage colon cancer on top of preexisting liver, heart and lung disease. After an in-depth discussion and being told that the risk of poor results was high, the patient decided against invasive treatment.

“He decided he would rather take the risk of a slow-growing cancer than deal with a major operation and the risk of complications,” Ko said.

Still, most patients choose surgery. Marcia Russell, MD, a staff surgeon at the Veterans Affairs Greater Los Angeles Healthcare System, described a 90-year-old patient who recently learned he had colon cancer during a prolonged hospital stay for pneumonia. “We talked with him about surgery, and his goals are to live as long as possible,” said Russell. To help prepare the patient, now recovering at home, for future surgery, she recommended he undertake physical therapy and eat more high-protein foods, measures that should help him get stronger.

“He may need six to eight weeks to get ready for surgery, but he’s motivated to improve,” Russell said.

The choices older Americans make about undergoing major surgery will have broad societal implications. As the 65-plus population expands, “covering surgery is going to be fiscally challenging for Medicare,” noted Robert Becher, MD, an assistant professor of surgery at Yale and a research collaborator with Gill. Just over half of Medicare spending is devoted to inpatient and outpatient surgical care, according to a 2020 analysis. 

What’s more, “nearly every surgical subspecialty is going to experience workforce shortages in the coming years,” Becher said, noting that in 2033, there will be nearly 30,000 fewer surgeons than needed to meet expected demand.

The goal is to minimize the harms of hospitalization.

—Zara Cooper, MD

These trends make efforts to improve surgical outcomes for older adults even more critical. Yet progress has been slow. The American College of Surgeons launched a major quality improvement program in July 2019, eight months before the COVID-19 pandemic hit. It requires hospitals to meet 30 standards to achieve recognized expertise in geriatric surgery. So far, fewer than 100 of the thousands of hospitals eligible are participating.

One of the most advanced systems in the country, the Center for Geriatric Surgery at Brigham and Women’s Hospital, illustrates what’s possible. There, older adults who are candidates for surgery are screened for frailty. Those judged to be frail consult with a geriatrician, undergo a thorough geriatric assessment and meet with a nurse who will help coordinate care after discharge.

Also initiated are “geriatric-friendly” orders for post-surgery hospital care. This includes assessing older patients three times a day for delirium (an acute change in mental status that often afflicts older hospital patients), getting patients moving as soon as possible and using non-narcotic pain relievers. “The goal is to minimize the harms of hospitalization,” said Cooper, who directs the effort.

She told me about a recent patient, whom she described as a “social woman in her early 80s who was still wearing skinny jeans and going to cocktail parties.” This woman came to the emergency room with acute diverticulitis and delirium; a geriatrician was called in before surgery to help manage her medications and sleep-wake cycle and recommend nonpharmaceutical interventions.

With the help of family members who visited this patient in the hospital and have remained involved in her care, “she’s doing great,” Cooper said. “It’s the kind of outcome we work very hard to achieve.”

A Possible Solution for the Staffing Crisis in Long Term Care

Experts suggest that immigrants could bridge the gap

The nation’s older population is growing, along with the need for long term care, but at the same time, nursing homes are turning away residents because they’re so short of staff. Writing for Kaiser Health News (KHN), journalist Michelle Andrews describes what’s happening and talks to experts who believe new immigrants could help a lot. Her article ran on KHN on February 3, 2023, and also on the Tampa Bay Times.

When Margarette Nerette arrived in the United States from Haiti, she sought safety and a new start.

The former human rights activist feared for her life in the political turmoil following the military coup that overthrew President Jean-Bertrand Aristide in 1991. Leaving her two small children with her sister in Port-au-Prince, Nerette, then 29, came to Miami a few years later on a three-month visa and never went back. In time, she was granted political asylum.

She eventually studied to become a nursing assistant, passed her certification exam and got a job in a nursing home. The work was hard and didn’t pay a lot, she said, but “as an immigrant, those are the jobs that are open to you.”

A few years later, her family joined her, but her children didn’t want to follow her career path. When she was a teenager, Nerette’s daughter, now 25, would ask, “Mom, why are you doing that?” Nerette said. Her daughter considered the work underpaid and too physical.

After many years, Nerette, now 57, left nursing-home work for a job with the Florida local of the labor union SEIU1199, which represents more than 25,000 health workers. As the local’s vice president for long term care, she is keenly aware of the staffing challenges that have plagued the industry for decades and will worsen as aging baby boomers stretch the limits of long term care services.

The United States is facing a growing crisis of unfilled job openings and high staff turnover that puts the safety of older, frail residents at risk. In a tight labor market where job options are plentiful, long term care jobs that are poorly paid and physically demanding are a tough sell. Experts say opening pathways for care workers to immigrate would help, but policymakers haven’t moved.

Already, about one in four direct care workers are foreign-born. 

In the decade leading up to 2031, employment in health care support jobs is expected to expand by 1.3 million, a nearly 18 percent growth rate that outpaces that of every other major occupational group, according to the federal Bureau of Labor Statistics. These direct care workers  include nurses of various types, home health aides, and physical therapy and occupational therapy assistants, among others.

Certified nursing assistants, who help people with everyday tasks like bathing, dressing and eating, make up the largest proportion of workers in nursing homes. In the decade leading up to 2029, nearly 562,000 nursing assistant jobs will need to be filled in the United States, according to a far-reaching report on nursing home quality published last year by the National Academies of Sciences, Engineering, and Medicine.

But as the US population ages, fewer workers will be available to fill those job openings in nursing homes, assisted living facilities and private homes. While the number of adults 65 and older will nearly double to 94.7 million between 2016 and 2060, the number of working-age adults will grow just 15 percent, according to an analysis of census data by PHI, a research and advocacy organization for older and disabled people that conducts workforce research.

Immigrants can play a crucial role in filling those gaps, experts say. Already, about one in four direct care workers are foreign-born, according to a 2018 PHI analysis. 

“We do think that immigrants are critical to this workforce and the future of the long term care industry,” said Robert Espinoza, executive vice president of policy at PHI. “We think the industry would probably collapse without them.”

Nursing homes and other long term care facilities have long struggled to maintain adequate staff. The problem worsened dramatically during the pandemic, when those facilities became hotbeds for COVID-19 infections and deaths. More than 200,000 residents and staff members died during the first two years of the pandemic, representing about a quarter of all COVID deaths during that time.

Unlike some other countries, the United States generally hasn’t made it a priority to attract direct care workers from abroad.

Since March 2020, the long term care industry has lost more than 300,000 jobs, bringing employment to a 13-year low of just over 3 million, according to an analysis of BLS payroll data by the American Health Care Association and the National Center for Assisted Living.

Immigration policies that aim to identify potential workers from overseas to fill long term care job slots could help ease the strain. But unlike other countries that face similar long term care challenges, the United States generally hasn’t made attracting direct care workers from abroad a priority.

“Immigration policy is long term care policy,” said David Grabowski, a professor of health care policy at Harvard Medical School, whose research focuses on the economics of aging and long term care. “If we really want to encourage a strong workforce, we need to make immigration more accessible for individuals.”

Most of the roughly one million immigrants to the United States annually are family members of citizens, though some come in on employment visas, often for highly skilled jobs.

On his first day in office, President Joe Biden proposed comprehensive immigration reform that would have created a pathway to citizenship for undocumented workers and revised the rules for employment-based visas, among other things, but it went nowhere.

“There hasn’t been a lot of interest or political will behind opening up more immigration opportunities for mid- to lower-level care aides such as home health aides, personal health aides and certified nursing assistants,” said Kristie De Peña, vice president for policy and director of immigration policy at the Niskanen Center, a think tank.

The United States is competing with other countries, who also want to attract immigrant workers. 

The Biden administration didn’t respond to requests for comment.

Some local and regional organizations are working to connect immigrants with health care jobs.

Ascentria Care Alliance provides social services, refugee resettlement and long term care services in five New England states. With state and private philanthropic funding, the organization is beginning to help refugees from Ukraine, Haiti, Venezuela and Afghanistan get the supportive services they need—language, housing, child care — to enable them to take health care jobs at Ascentria’s long term care facilities and those of health care partners.

The group has long helped refugees resettle and find jobs in traditional settings like warehouses or retailers, said Angela Bovill, president and CEO of Ascentria, which is based in Worcester, MA. “Now we’re looking at what it would take to move them into health care jobs,” she said.

The alliance is applying to the Department of Labor for a grant to scale up the program. “If we get it right, we’ll build a pathway and a pipeline to move at the fastest rate from immigrant to effective health care worker,” Bovill said.

Some long term care experts say the United States can’t afford to drag its feet on putting policies in place to appeal to immigrants.

“We’re competing with the rest of the world, other countries that also want these workers,” said Howard Gleckman, a senior fellow at the Urban Institute.

Staffing shortages are forcing nursing homes to turn away new residents.

Canada, for instance, is going all in on immigration. In 2022, it welcomed more than 430,000 new permanent residents, the most in its history. Immigration accounts for almost 100 percent of Canada’s labor force growth, and by 2036 immigrants are expected to make up 30 percent of the population, the government said.

In the United States, immigrants account for about 14 percent of the population, according to an analysis of census data by the Migration Policy Institute.

Canada’s Economic Mobility Pathways Pilot aims to identify and recruit refugees who have skills Canadian employers need. In January, after visiting a refugee camp in Kenya, recruiters offered jobs in Nova Scotia to 65 continuing care assistants. 

In a December survey of 500 US nursing homes, more than half said staffing shortages have forced them to turn away new residents.

These staffing challenges, said industry representatives, are likely to become an even heavier lift, with more closed facilities, units or wings, after the Biden administration announced last year that it would establish minimum nursing home staffing requirements. 

A government mandate alone won’t solve long-standing problems with inadequate training, pay, benefits or career advancement, experts said.

“Young people aren’t going to clean 10 to 15 patients for $15 an hour,” Nerette said. “They’ll go to McDonald’s. We need to face that reality and come up with a plan.”

Questions to Ask before Major Surgery

What you need to know to figure out whether it’s worth the risk

Back in November, Kaiser Health News columnist Judith Graham wrote about what older adults risk when they have a major operation. Readers wanted to know more, so she consulted experts and zeroed in on seven questions to ask a surgeon before surgery. Graham’s article was posted on the KHN website on January 3, 2023, and also ran on CNN. Funding from the Silver Century Foundation helps KHN develop articles (like this one) on longevity and related health and social issues. 

Larry McMahon, who turned 80 in December, is weighing whether to undergo a major surgery. Over the past five years, his back pain has intensified. Physical therapy, muscle relaxants and injections aren’t offering relief.

“It’s a pain that leaves me hardly able to do anything,” he said.

Should McMahon, a retired Virginia state trooper who now lives in Southport, NC, try spinal fusion surgery, a procedure that can take up to six hours? (Eight years ago, he had a lumbar laminectomy, another arduous back surgery.)

“Will I recover in six months—or in a couple of years? Is it safe for a man of my age with various health issues to be put to sleep for a long period of time?” McMahon asked, relaying some of his concerns to me in a phone conversation.

Older adults contemplating major surgery often aren’t sure whether to proceed. In many cases, surgery can be lifesaving or improve a senior’s quality of life. But advanced age puts people at greater risk of unwanted outcomes, including difficulty with daily activities, extended hospitalizations, problems moving around and the loss of independence.  

I wrote in November about a new study that shed light on some risks seniors face when having invasive procedures. But readers wanted to know more. How does one determine if potential benefits from major surgery are worth the risks? And what questions should older adults ask as they try to figure this out? I asked several experts for their recommendations. Here’s some of what they suggested.

What’s the goal of this surgery? Ask your surgeon, “How is this surgery going to make things better for me?” said Margaret “Gretchen” Schwarze, MD, an associate professor of surgery at the University of Wisconsin School of Medicine and Public Health. Will it extend your life by removing a fast-growing tumor? Will your quality of life improve by making it easier to walk? Will it prevent you from becoming disabled, akin to a hip replacement?

If your surgeon says, “We need to remove this growth or clear this blockage,” ask what impact that will have on your daily life. Just because an abnormality such as a hernia has been found doesn’t mean it has to be addressed, especially if you don’t have bothersome symptoms and the procedure comes with complications, said Robert Becher, MD, and Thomas Gill, MD, of Yale University, authors of that recent paper on major surgery in older adults.

If things go well, what can I expect? Schwarze, a vascular surgeon, often cares for patients with abdominal aortic aneurysms, an enlargement in a major blood vessel that can be life-threatening if it bursts.

Here’s how she describes a “best case” surgical scenario for that condition: “Surgery will be about four to five hours. When it’s over, you’ll be in the ICU with a breathing tube overnight for a day or two. Then, you’ll be in the hospital for another week or so. Afterwards, you’ll probably have to go to rehab to get your strength back, but I think you can get back home in three to four weeks, and it’ll probably take you two to three months to feel like you did before surgery.”

Among other things people might ask their surgeon, according to a patient brochure Schwarze’s team has created: What will my daily life look like right after surgery? Three months later? One year later? Will I need help, and for how long? Will tubes or drains be inserted?

If things don’t go well, what can I expect? A “worst case” scenario might look like this, according to Schwarze: “You have surgery, and you go to the ICU, and you have serious complications. You have a heart attack. Three weeks after surgery, you’re still in the ICU with a breathing tube, and you’ve lost most of your strength, and there’s no chance of ever getting home again. Or, the surgery didn’t work, and still you’ve gone through all this.”

“People often think I’ll just die on the operating table if things go wrong,” said Emily Finlayson, MD, director of the UCSF Center for Surgery in Older Adults in San Francisco. “But we’re very good at rescuing people, and we can keep you alive for a long time. The reality is, there can be a lot of pain and suffering and interventions like feeding tubes and ventilators if things don’t go the way we hope.”

Given my health, age and functional status, what’s the most likely outcome? Once your surgeon has walked you through various scenarios, ask, “Do I really need to have this surgery, in your opinion?” and “What outcomes do you think are most likely for me?” Finlayson advised. Research suggests that older adults who are frail, have cognitive impairment or other serious conditions such as heart disease have worse experiences with major surgery. Also, seniors in their 80s and 90s are at higher risk of things going wrong.

“It’s important to have family or friends in the room for these conversations with high-risk patients,” Finlayson said. Many seniors have some level of cognitive difficulties and may need assistance working through complex decisions.

What are the alternatives? Make sure your physician tells you what the nonsurgical options are, Finlayson said. Older men with prostate cancer, for instance, might want to consider “watchful waiting,” ongoing monitoring of their symptoms, rather than risk invasive surgery. Women in their 80s who develop a small breast cancer may opt to leave it alone if removing it poses a risk, given other health factors.

Because of Larry McMahon’s age and underlying medical issues (a 2021 knee replacement that hasn’t healed, arthritis, high blood pressure), his neurosurgeon suggested he explore other interventions, including more injections and physical therapy, before surgery. “He told me, ‘I make my money from surgery, but that’s a last resort,’” McMahon said.

What can I do to prepare myself? “Preparing for surgery is really vital for older adults: if patients do a few things that doctors recommend—stop smoking, lose weight, walk more, eat better—they can decrease the likelihood of complications and the number of days spent in the hospital,” said Sandhya Lagoo-Deenadayalan, MD,  a leader in Duke University Medical Center’s Perioperative Optimization of Senior Health program [POSH].

When older patients are recommended to POSH, they receive a comprehensive evaluation of their medications, nutritional status, mobility, preexisting conditions, ability to perform daily activities and support at home. They leave with a “to-do” list of recommended actions, usually starting several weeks before surgery.

If your hospital doesn’t have a program of this kind, ask your physician, “How can I get my body and mind ready” before having surgery, Finlayson said. Also ask: “How can I prepare my home in advance to anticipate what I’ll need during recovery?”

What will recovery look like? There are three levels to consider: What will recovery in the hospital entail? Will you be transferred to a facility for rehabilitation? And what will recovery be like at home?

Ask how long you’re likely to stay in the hospital. Will you have pain, or aftereffects from the anesthesia? Preserving cognition is a concern, and you might want to ask your anesthesiologist what you can do to maintain cognitive functioning following surgery. If you go to a rehab center, you’ll want to know what kind of therapy you’ll need and whether you can expect to return to your baseline level of functioning.

During the COVID-19 pandemic, “a lot of older adults have opted to go home instead of to rehab, and it’s really important to make sure they have appropriate support,” said Rachelle Bernacki, MD, director of care transformation and postoperative services at the Center for Geriatric Surgery at Brigham and Women’s Hospital in Boston.

For some older adults, a loss of independence after surgery may be permanent. Be sure to inquire what your options are should that occur.

 

Living with Disabilities

More than a third of older Americans have at least one

Until a few years ago, doctors told Deanna Mann, 85, she was “healthy as a horse.” She lived independently in an apartment and enjoyed playing bridge with friends twice a week. Then one leg suddenly swelled up. The other followed soon after. Mann was diagnosed with lymphedema, a treatable but incurable condition that made it difficult to walk. 

She started to fall. After hitting her head in a fall, she moved to an assisted living community and used a walker to get around. But Mann still hoped she could get back on her feet and eventually go home. Then her daughter pointed out that wasn’t likely. 

“That did me in,” she said. Mann struggled with depression. On bad days, she cried. She felt totally alone. She grieved over the loss of her old life. “You’ve got to give up the life you have before,” she said. It wasn’t easy. 

Many older adults will eventually deal with a temporary or permanent, age-related disability, whether it’s vision loss, hearing loss or reduced mobility, or issues such as fatigue or constant pain due to chronic illness. 

“It can be traumatic,” said Kimberly Knight, director of the caregiver support program at the Senior Source, a nonprofit social services agency in Dallas. “It can mean giving up a level of independence that the person has been accustomed to for some time.” 

A New View 

By some estimates, as many as 60 million Americans of all ages are living with a disability. About 36 percent of people aged 65 and older report having at least one disability, according to the US Census. Rates of disability increase greatly in very old age; the majority of those 85 or older are unable to perform all activities of daily living without help.

Many resources offer practical tips for older adults trying to adapt their home environments and daily routines to compensate for disabilities. But newly disabled older adults must also learn how to cope emotionally and psychologically, according to Asma Jafri, MD, chair of the department of family medicine at the University of California, Riverside (UCR) and part of UCR’s Aging Initiative, a group of researchers focused on aging-related issues. 

“If you adjust emotionally, you are more likely to thrive and to succeed in maintaining function,” Jafri said. “If a person doesn’t adjust well, that may trigger a negative cycle.” Feelings of depression or discouragement can lead to withdrawal from social connections and a less active lifestyle, which in turn leads to even more loss of function. 

To cope, older adults facing disability must adopt a new view of themselves and the world. 

“Living in a world not built for us can be an occasion for resourcefulness and a source of frustration,” wrote Rosemarie Garland-Thomson, PhD, a professor of English and bioethics at Emory University. “Living with a disability can be hard work … the burden of stigma can be heavy; managing psycho-emotional changes can be wearing; traversing the breach between us and the nondisabled can attenuate our energy and resources.” 

Building Resilience

One key factor in coping is resilience—the ability to persist, bounce back and flourish when faced with stressors, according to Arielle Silverman, PhD, research director at the American Foundation for the Blind. In her previous position at the University of Washington Medical Center, Silverman was lead researcher for a study of resilience in people with multiple sclerosis. When participants were asked about what resilience was, and what made them resilient, their answers seemed paradoxical. 

“People would talk about having a fighting spirit, not giving up and continuing to fight,” she said. “At the same time, those same people talked about acceptance and how important that was. It does seem like you need both—the drive to keep participating in life, but at the same time, accepting the fact that you do have a disability and some things are going to change.” 

That study identified facilitators of resilience, such as coping skills (like humor, flexibility and optimism), social connections, a sense of meaning and purpose, proactive planning for practical needs, and overall physical wellness.

The study also named barriers to resilience: burnout, negative thoughts and feelings, social challenges (friends’ lack of understanding, for example), stigma and physical fatigue. Study participants talked about thriving, not just surviving. “It’s not dwelling on what you can’t do, it’s relishing what you can do,” as one 56-year-old male participant shared.

Becoming disabled “doesn’t necessarily mean that the quality of your life will diminish, but it does mean that you have to take active steps to accommodate the disability,” said Silverman. 

Staying Engaged

Eve Bostic admired the resilience of her mother, Mary, 91, as health problems gradually took away her ability to walk. Even as her disabilities progressed, Bostic said, her mother outperformed doctors’ predictions time and again. 

“My mother is a very determined woman,” Bostic said. “She compensated by doing other things that her body still could do.”

When she could no longer bend over or kneel, Mary found a way to keep gardening. She read gardening magazines, ordered plants and seeds and directed family and friends who stepped in to help, pointing out what to plant where. 

Bostic credits her mother’s resilience to her life experiences. Mary contracted polio in her teens; doctors predicted she would never walk again. She worked hard at rehabilitation and proved them wrong. By the 1980s, Mary began experiencing post-polio-syndrome symptoms that led her to use a cane, then a four-prong cane, then a walker, then a rollator and finally a wheelchair and scooter. Mary fought each step of the way, maintaining what function she could, until a stroke in 2022 left her bedridden. 

Taking a cue from her mother, Bostic, 63, pushes herself to stay active. After falling and breaking her leg a year ago, Bostic is back to carrying water down long flights of stairs to the chickens and goats she keeps in her yard on a mountainside in West Virginia. Bostic could give up the livestock—she doesn’t rely on them for income—but she’s determined to stay at it as long as she can. She’s more careful too. 

“I don’t trip lightly down those steps anymore,” she said. “But I think it’s important to keep doing this. Use it or lose it.” 

Leon Miller, 89, likes to joke that he went “from the outhouse to the penthouse” over the course of his life—growing up in a poor family, getting an education and establishing a successful career as an architect. That determination, honed over a lifetime, keeps him going even after two dozen surgeries on his knees and legs, including two knee replacements. He can’t climb stairs or walk around the block; he uses a walker to get around at home. 

“My heart, lungs and kidneys are all fine, but my bones and joints are shot,” he said.

Finding ways to help others can contribute to a feeling of empowerment for someone with disabilities 

He misses golfing, but he’s outlived most of his golf buddies anyway. He’s retired but continues to manage his real estate investment in a shopping center. He taught himself to trade stocks online. 

“I’ve learned to focus on the future, as opposed to what I’ve lost and what’s in the past,” he said. 

Miller does grouse a bit about his adult children, who urge him to move into an assisted living community due to safety concerns. That’s a common situation, but a 2019 article in the Innovations in Aging journal, “Meeting Challenges of Late Life Disability Proactively,” encourages care providers and family members to give “greater attention to the adaptive potential of older adults.” 

“Disability and aging … have both been stigmatized, yet also have the potential to reveal human strengths and resiliency,” the authors wrote. Proactive adaptations—such as finding ways to help others or looking for solace and meaning in spirituality—can contribute to an older adult’s sense of empowerment and psychological well-being. 

Those two strategies have helped Nancy Becher, 65, live with a long list of disabilities, some due to a car accident nine years ago and some related to chronic diseases including Crohn’s, glaucoma and diabetes. 

After struggling with depression for more than a year—“I just wanted to die,” she said—she found hope in a support group and in her faith. She learned to focus on what she can still do. She can’t hike any more, but she can sit outside her camper along the Tennessee River and enjoy nature. She also found purpose through a nonprofit she founded called Invisible Warriors, which supports people with “invisible” disabilities, such as chronic pain or fatigue due to autoimmune disorders, which can severely restrict the lives of people who may otherwise look perfectly healthy. 

“I realized that my disabilities were life-changing but not life-ending,” Becher said. 

Becher’s experience reflects psychology’s concept of “secondary gains,” according to Pamela Garber, a therapist in private practice in New York. 

“Something that’s negative, that’s a struggle, can have a benefit also,” she said. Finding and appreciating those secondary gains can help older adults adjust to a new normal. 

The Importance of Being Independent

Research suggests that an older adult’s emotional adjustment to disability also relates closely to the person’s perceptions of dependence and independence. For many people, losing independence represents their biggest fears. They might accept limits on their activities but fight any change that makes them feel dependent. 

If older adults can maintain control over how much assistance they need, they’re likely to feel less helpless and more able to cope, according to a 2000 study. Caretakers and family members can support an older adult by understanding and respecting the person’s need for independence, however they may define that, even if it involves a measure of risk. 

That’s how Deanna Mann is beginning to adjust—by finding ways to maintain her sense of independence and feel more at home in her assisted living community. She decorated her apartment to her liking, without help. 

She negotiated a compromise when staff members wanted to assist her with showering: the aide waits outside her bathroom door, at the ready if needed, while she showers in private. She helps other residents with more severe disabilities when she can. She’s working with a home care assistant who provides a treatment that’s reducing the swelling in her legs, preventing further loss of function. She sounds upbeat as she talks about making new friends. 

“I think each person in his own way has got to find their own way … where you’re not in depression, and where you’re looking at your situation as not necessarily all bad,” she said. “I have my down days and my good days. I’m still not fully adjusted, but I’m as adjusted as I think I’m going to get.” 

Is Dying at Home Becoming the New Normal?

More and more people are ending their lives in familiar surroundings

Journalist Phillip Reese taps into a nationwide trend, as it’s playing out in California, exploring the reasons behind it and some of the consequences. Kaiser Health News posted his article on January 26, 2023. It was produced by KHN, which publishes California Healthline, an editorially independent service of the California Health Care Foundation. Reese’s story also ran on the Sacramento Bee. Funding from the Silver Century Foundation helps KHN develop articles (like this one) on longevity and related health and social issues. 

The COVID-19 pandemic has spurred a surge in the proportion of Californians who are dying at home rather than in a hospital or nursing home, accelerating a slow but steady rise that dates back at least two decades.

The recent upsurge in at-home deaths started in 2020, the first year of the pandemic, and the rate has continued to climb, outlasting the rigid lockdowns at hospitals and nursing homes that might help explain the initial shift. Nearly 40 percent of deaths in California during the first 10 months of 2022 took place at home, up from about 36 percent for all of 2019, according to death certificate data from the California Department of Public Health. By comparison, US Centers for Disease Control and Prevention data shows that about 26 percent of Californians died at home in 1999, the earliest year for which data on at-home deaths is accessible in the agency’s public database.

The trend is amplified among California residents with serious chronic conditions. About 55 percent of Californians who died of cancer did so at home during the first 10 months of 2022, compared with 50 percent in 2019 and 44 percent in 1999. About 43 percent of Californians who died of Alzheimer’s disease in the first 10 months of 2022 did so at home, compared with 34 percent in 2019 and nearly 16 percent in 1999.

Nationwide, the share of deaths occurring at home also jumped in 2020, to 33 percent, then rose to nearly 34 percent in 2021. Nationwide data for 2022 is not yet available. 

COVID’s early, deadly sweep across California does not in itself explain the increase in at-home death rates; the vast majority of people who have died of COVID died in a hospital or nursing home. Instead, medical experts said, the surge—at least initially—appears to coincide with sweeping policy changes in hospitals and nursing homes as caregivers struggled to contain a virus both virulent and little understood.

The sweeping bans on in-person visitation in hospitals and nursing homes, even to the bedsides of dying patients, created an agonizing situation for families. Many chose to move a loved one back home. 

“It was devastating to have Mom in a nursing home and dying, and the only way you can see Mom is through the window,” said Barbara Karnes, a registered nurse who has written extensively about end-of-life care.

No one ever says, ‘I want to die in the ICU.’

At the same time, fears of COVID exposure led many people to avoid hospitals in the first years of the pandemic, in some cases neglecting treatment for other serious conditions. That too is thought to have contributed to the rise in at-home deaths.

Those who specialize in end-of-life care say it is no surprise the trend has continued even as visitation policies have eased. They said more people simply want to die in a comfortable, familiar place, even if it means not fighting for every second of life with medical interventions.

“Whenever I ask, ‘Where do you want to be when you breathe your last breath? Or when your heart beats its last beat?’ no one ever says, ‘Oh, I want to be in the ICU,’ or ‘Oh, I want to be in the hospital,’ or ‘I want to be in a skilled nursing facility.’ They all say, ‘I want to be at home,’” said John Tastad, coordinator for the advance care planning program at Sharp HealthCare in San Diego.

Meanwhile, the physicians who specialize in the diseases that tend to kill Americans, such as cancer and heart disease, have become more accepting of discussing home hospice as an option if the treatment alternatives likely mean painful sacrifices in quality of life.

“There’s been a little bit of a culture change where maybe oncologists, pulmonologists, congestive heart failure physicians are referring patients to palliative care earlier to help with symptom management, advanced care planning,” said Pouria Kashkouli, MD, associate medical director for hospice at UC Davis Health.

The trends have created a booming industry. In 2021, the California Department of Health Care Access and Information listed 1,692 licensed hospice agencies in its tracking database, a leap from the 175 agencies it listed in 2002.

When families choose hospice care at home, they do the bulk of the caregiving themselves.

That much growth—and the money behind it—has sometimes led to problems. A 2020 investigation by the Los Angeles Times found that fraud and quality-of-care issues were common in California’s hospice industry, a conclusion bolstered by a subsequent state audit. Gov. Gavin Newsom signed a bill in 2021 that placed a temporary moratorium on most new hospice licenses and sought to rein in questionable kickbacks to doctors and agencies.

When done correctly, though, home hospice can be a comfort to families and patients. Hospice typically lasts anywhere from a few days to a few months, and while services vary, many agencies provide regular visits from nurses, health aides, social workers and spiritual advisers.

Most people using hospice are insured through the federal Medicare program. The amount Medicare pays varies by region but is usually around $200 to $300 a day, said Kai Romero, MD, chief medical officer at the nonprofit Hospice by the Bay. 

To find quality end-of-life care, Andrea Sankar, PhD, a professor at Wayne State University and author of  Dying at Home: A Family Guide for Caregiving, recommends seeking out nonprofit providers and having a list of questions prepared: How often will nurses visit in person? In what circumstances do patients have access to a physician? What help will be available for a crisis in the middle of the night?

While hospice providers offer crucial guidance and support, families need to be prepared to shoulder the bulk of the caregiving. “It really takes a pretty evolved family system to be able to rally to meet all of the needs,” said Tastad at Sharp HealthCare.

Several end-of-life experts said they expect the proportion of Californians choosing to die at home to keep climbing, citing a variety of factors: medical advances will make it easier for patients to receive pain management and other palliative care at home; telemedicine will make it easier for patients to consult doctors from home; and two powerful forces in American health care—insurance companies and the federal government—increasingly see dying at home as an affordable alternative to lengthy hospital stays.

Friendships Are Good for Your Health

But making new friends can be challenging in later life

As a human resources executive, Carole Leskin traveled around the world and worked with a diverse group of interesting people. She never married and never had children, but life was full. Then a recession ended her career at age 65. Leskin floundered. 

“I was out of work, without purpose, bored and desperately lonely,” she said. “Sometimes my only human interaction was with someone in line at the supermarket.”

To meet people, Leskin took a class at the Jewish Community Center near her home in Moorestown, NJ. Initial attempts to connect failed; she introduced herself but got nowhere. Finally, she met four women who welcomed her into their group. For years, the group shared countless hours of conversation, lunches and road trips. 

Then, one by one, all the other women in the group died. Leskin developed health problems that left her homebound. Once again, she was lonely and desperate for connection. 

Leskin’s struggle is not only common, it has massive societal implications. A growing body of research points to the importance of social connections for the health and well-being of older adults. 

“Isolation can be as deadly as obesity and smoking,” said Kasley Killam, MPH, a social scientist and the executive director of Social Health Labs, a nonprofit working to address loneliness and social connection. “In fact, its health consequences cost Medicare an estimated $6.7 billion each year. We need to take better care of older adults’ social well-being.”

Social connections were the key predictor of a long, healthy and happy life in the Harvard Study of Adult Development, which began in 1938 and closely followed hundreds of men over the course of their lives. Those in the study who were more socially connected to family, friends and community were happier, physically healthier and lived longer than those who were less connected. Other research links loneliness with greater sensitivity to pain, suppression of the immune system, diminished brain function and less effective sleep. The evidence is so compelling that one expert called loneliness a public health emergency. 

Since the pandemic, American men are in the middle of a “friendship recession.”

“Loneliness kills,” said Robert Waldinger, MD, the Harvard study’s director. “And the sad fact is that at any given time, more than one in five Americans will report that they’re lonely.”

Lane McCullough, 61, was one of those lonely people. After his divorce last year, he found himself spending his evenings alone at home, bingeing Netflix or staring at the walls. He tried going to a few bars; that proved expensive and fruitless. He tried a singles group; people in the group didn’t seem friendly. 

Tips for Making Friends 

Get involved. Volunteer. Sign up for classes. Join a book club. Pick activities that meet regularly, so it’s easier to get to know people. 

Choose activities that coincide with genuine interests. If you don’t find an organization or group that interests you, start something new.

Expand your interests. Try an activity you’ve never tried before. 

Be brave. Smile. Start a conversation. If you sense a connection, extend an invitation to meet again. 

Expect some trial and error. Don’t take it personally if your efforts are rebuffed. Give it a second or even a third try. 

Be patient. Making friends takes time. Fitting a new friend into your life takes time. It’s worth the effort. 

“It’s difficult to get and keep friends,” he said. “Where do you go? What do you do? There’s no guide for this.”

While that’s not strictly the case—books and resources on friendship abound—it’s true that loneliness affects men more than women, according to Killam. One study of over 46,000 people in more than 200 countries found that loneliness was more common among men. Post-pandemic, American men are in the middle of a friendship recession.” Men’s social circles have shrunk since 1990, and the percentage of men without any close friends has risen.      

Friendships are especially critical for older adults who don’t have adult children or close family members. Wendl Kornfeld, 74, and her husband have no children. Having cared for their aging mothers, she saw how vulnerable people can become later in life. That inspired her to start Community as Family, an education model for older adults who don’t have children or family, at her synagogue in New York. As participants met weekly to learn to navigate their older years, they naturally formed supportive relationships. After eight years as a group, the members sit shiva together, hold house keys for each other or pick each other up from the hospital. Now Kornfeld advises other nonprofits as they adopt the approach. 

Making the first move may be daunting or awkward. That’s inevitable. “If you really want friends, you have to be motivated,” said Kornfeld. “You’re going to have to get outside your comfort zone. It won’t come naturally. Friends need to be replenished, because life takes them away from you.”

Challenging at Any Age

Making friends is hard for adults of any age. As a young mother in the 1990s, Marla Paul remembers filling out an emergency card for her daughter’s school shortly after a move to a Chicago suburb. There were spaces for three neighborhood contacts; she didn’t have a single name to write. That inspired Paul to write an essay for the Chicago Tribune, which sparked a flurry of letters from readers who shared her struggle, and ultimately led Paul to write a book, The Friendship Crisis: Finding, Making, and Keeping Friends When You’re Not a Kid Anymore (2005). 

Almost 30 years later, Paul says it’s still challenging to make friends but in different ways. Her daughter is grown; social connections through her daughter’s school or activities have long disappeared.

Sometimes the best way to make friends is to get involved in local groups that are doing things that interest you.

“When you’re older, you have to be more proactive,” she said. “If you’re retired, you are not organically seeing people every day on a job. You have to work harder to find people. Virtually every new life chapter has the potential to disrupt friendships: moving, leaving an office to stay home, divorce, the death of a spouse, retirement, illness.”  

That was the case for Mina Gupta, 82, a retired microbiologist. She had no trouble making friends until she and her husband moved from the Dallas area to a suburb of Seattle in 2013. The new home was closer to grandchildren, but their social network was thousands of miles away in Texas. 

“It was horrible,” she said. “I knew almost everyone in the Indian community in the Dallas area. Here, I just couldn’t seem to connect with people.”

For Gupta, the solution was getting involved. She began volunteering at a hospital nursery, snuggling the babies of mothers with substance addictions, which led to friendships with the staff and fellow volunteers. Later, to meet fellow gardeners, she put an invitation on NextDoor (a neighborhood-based social media platform) and started a garden club. 

Getting involved also helped Donna Bearden, 75, after she and her husband relocated to Loveland, CO, 10 years ago. She found friends by joining and teaching classes in photography, art and writing. It wasn’t hard to meet people, given that those in the classes shared her passions. Bearden adds that she also learned to advocate for herself in group situations to make sure she was connecting. She wears a hearing aid; if she can’t hear well, she’ll ask people at her book club to speak up. 

“Hearing loss can make you feel so isolated and left out,” she said. “It didn’t come easy, but I’ve learned to be a little bit assertive.” 

Fishing for Friends

Showing up—whether for a singles group, a volunteer job or a community college class —is a first step but doesn’t automatically lead to friendships. Converting acquaintances into friends requires intentional effort.

“Friend-finding is like fishing,” writes Hope Kelaher, LCSW, in Here to Make Friends: How to Make Friends as an Adult (2020). “Casting out the line and, several reels and hooks in, waiting for a bite. And some days … you don’t catch anything at all.” 

“Fishing” for friends is more effective when approached with intentionality and positivity. Research shows that people who think friendships happen organically—based on luck—are lonelier, according to Marisa Franco, author of Platonic: How Understanding Your Attachment Style Can Help You Make and Keep Friends (2022). She advises friend-seekers to beware the “liking gap.” Research shows that, when strangers interact, they’re often more liked by the other person than they assume. By contrast, thinking positively becomes a self-fulfilling prophecy. 

“When people do assume others will like them, they tend to become warmer, friendlier and more open,” Franco writes. 

Developing friendships takes time and effort. One study estimates it takes 50 hours of interaction just to make a casual friend, and 200 hours of time together to create a close friendship. 

Persistence, along with trial and error, finally paid off for Lane McCullough. He found another singles group, Phase 2 Singles 50+, aimed at fostering friendships, not dating. The group boasts a busy calendar of outings and several subgroups based on different interests. Now McCullough goes out at least twice a week, one night playing pickleball and the other socializing. 

“It’s a great group,” he said. “We just clicked.” 

If you’re open to friendships with people who aren’t your age, you’ll have more potential friends to connect with.  

Social scientist Killam urges older adults to cultivate habits that strengthen “social muscles.” Studies show that people feel happier when they spend at least 10 minutes on the phone a few times a week or connect with people five times a day, whether in person, with a text or an email. 

Kelaher also advises older adults to look beyond their peers for their pool of possible new friends. She cites an acquaintance in her 70s who chatted with younger neighbors and occasionally babysat; now there’s a steady stream of visitors of all ages in her home. 

When people are open to friendships of any age, “it really expands the universe of potential friends,” adds Irene Levine, a former clinical psychologist and the author of Best Friends Forever (2009). Intergenerational friendships also offer extra benefits; younger friends may have different perspectives and may appreciate the wisdom and experience of an older person. 

In addition, be open to places to find connections: join an exercise class, alumni group, group travel, volunteer project, or local fan groups for sports teams. If possible, select activities that meet several times or on a regular basis, advises Franco. Faces will grow familiar, increasing the chances of connection.

Online Lifelines

Happily, the Internet opened options for connecting, virtually and in person. During the COVID-19 pandemic, many older adults learned to use new technology platforms, like Zoom and FaceTime. Apps like Meetup, Friender and BarkHappy (for dog lovers) help connect people with common interests. Neighborhood platforms also offer a place to start. 

A word of caution: take care when venturing online to meet people, says Thomas Preininger, LCSW, a counselor at the Ecumenical Center, a mental health agency in San Antonio, TX. Online scammers target lonely older adults: he knows several who lost tens of thousands of dollars to fraudsters who posed as empathetic friends, gained their trust and then asked for money. 

“If someone asks you for money, cut them off right away,” he advises.

For Carole Leskin, now 77, virtual connections became her lifeline after her friends died. She’s housebound due to a stroke and heart failure but has new friends all over the world. She connects via Facebook and through her blog posts on sites like Jewish Sacred Aging. Virtual acquaintances gradually evolved into close friends; she keeps in touch regularly via Zoom, texts and email. Recently, Leskin talked for hours on the phone with a friend in Melbourne, Australia. They’ve never met in person but share common interests in nature and in wetlands, in particular. 

“There is something about this kind of communication that allows for greater sharing,” she said. “It is more thoughtful, uninterrupted and open. In a way, I am closer to these people than I was to my now deceased friends.” 

A Family Grapples with Death

What happens when a frail 94-year-old has a stroke

Kaiser Health News columnist Judith Graham writes movingly about her father-in-law’s last days at a time when hospitals and nursing homes were short-staffed and under pressure. Her article was posted on the KHN website on Dec. 8, 2022. It also ran on CNN. Funding from the Silver Century Foundation helps KHN develop articles (like this one) on longevity and related health and social issues. 

It wasn’t the Thanksgiving holiday any of us had expected.

Two weeks before, my 94-year-old father-in-law, Melvin Zax, suffered a stroke after receiving dialysis and was rushed to a hospital near his residence in western New York.

There, he underwent a series of tests over the course of several days. With each test, Mel became more agitated. His hearing aids weren’t working right, and he didn’t understand what was happening.

Amid the hubbub of a busy hospital, Mel wasn’t sleeping at night. He became delirious, a frightening and all-too-common experience for older adults who are hospitalized.

For two days, Mel was housed in the emergency department; the hospital had no regular rooms available. Similar scenarios are playing out across the country, as hospitals stagger under a surge in respiratory illnesses and covid-19-fueled cases alongside acute staffing shortages. Older Americans are at particular risk: about one in five emergency department visits are made by people 60 and older.

An ongoing crisis in long term care options has contributed to the bottleneck. Some seniors are occupying hospital rooms longer than necessary because there’s no place else for them to go. Many nursing homes and home care agencies aren’t accepting new patients because they simply don’t have enough workers.

Staffing issues at my father-in-law’s hospital were apparent. My husband, who was at a conference in Montreal when his dad was first hospitalized, called repeatedly but couldn’t get through to a nurse or a doctor for hours. As far as we knew, Mel’s stroke was tended to promptly, but the lack of clear communication left us with lingering doubts. How often did nurses check on him in the subsequent hours and days? How were decisions about testing made, and what consideration was given to Mel’s advanced age?

Mel was a distinguished psychologist who’d worked part time until age 90 and remained mentally sharp. But he’d had diabetes for decades and since September 2020 had been getting dialysis three times a week, a grueling therapy for kidney failure. “I’m a wreck,” he would tell my husband over the phone after returning from a session.

Some things the hospital’s doctors recommended didn’t make sense.

I’d written about dialysis for the elderly, and I knew the statistics: patients 85 and older live, on average, two years after beginning treatment. Mel had already beaten the odds by surviving 26 months. Did the hospital staff realize how frail he was and adjust their treatment and testing regimens accordingly?

“Ask for a geriatrician consultation,” I advised my husband, who has legal and medical power of attorney for his father and was now at his side.

I worried that nothing being done at the hospital—electrocardiograms, CT scans, an attempted MRI scan (Mel couldn’t tolerate that), an order to wear a heart monitor—would change Mel’s prospects. And he was increasingly agitated, groaning and throwing his arms out in seeming distress.

Some of what hospital doctors suggested simply didn’t make sense. Mel had been taken off statins for high cholesterol in the past year; a hospital physician put him back on the medication, citing the risk of another stroke. Was there any chance it would really make a difference? (Statin therapy is not recommended for people near the end of life.)

Six days after his stroke, Mel was discharged to the nursing home where he’d been living for four months following a previous hospitalization. It’s part of a well-run senior living complex with a top-notch geriatrician who oversees medical care.

That geriatrician was the first to acknowledge that Mel might be dying. Gently, he told my husband that Mel had been depleted by all the interventions he’d received in the hospital and recommended that dialysis be stopped. Compassionately, he explained that Mel would probably pass within a week or two of ending the therapy.

Mel was barely conscious and unable to express what he wanted at this critical juncture. But my husband knew the ferocity of his father’s desire to live. “Let’s try one more session of dialysis and see what happens,” he told the doctor.

Advice from the hospice’s medical staff turned out to be essential. 

It didn’t work: Mel’s circulatory system was too compromised for dialysis to proceed. Over the next few days, Mel’s six grandchildren and three sons and their wives traveled to be at his side.

My husband realized it was time to arrange hospice care, and a social worker met with us to describe what that would entail. An aide would visit Mel several times a week, she explained, but that would take a few days to set up because of staffing issues. Meanwhile, a nurse would visit in the following days, and we could call the hospice 24/7 for help.

As it turned out, an aide never arrived, but access to the hospice’s medical staff proved essential. As he lay in bed, Mel’s breathing became ragged, and his chest heaved. With our encouragement, a nurse at the home called hospice, and orders were given to administer morphine every hour.

The next day, Mel seemed peaceful but more distant. There was a quiet in the room that hadn’t been there the day before. The hospice nurse arrived and observed that Mel’s breathing was halting for several seconds. Watch for these pauses and their lengthening, she told us. A few hours later, four of us sat at Mel’s side as his breathing slowed and then stopped.

That was four days before Thanksgiving.

How does one go on with a holiday under these circumstances? On the one hand, the entire family was together for the first time in many years. And there was lots to do: host a funeral, arrange for the weeklong Jewish mourning period and prepare food for various occasions. Including Thanksgiving.

On the other hand, there was little time to think about what we’d just witnessed or process our emotions.

That’s what we’re doing now, as Christmas decorations go up in our neighborhoods and holiday songs fill the airwaves. Remembering Mel. Feeling sad. Noticing the shadow of death just behind us. And resolving to live well in the new year, knowing this is what Mel would want.

What Happens When Someone Dies without a Will?

Things can go wrong in ways families never imagine

Years later, the story still haunts attorney Jennifer Cona. 

A man—in his 70s and in good health—retained her to draw up a will. He wanted to bequeath his sizable estate to his grandson and to a few charities. He did not want to leave anything to his two grown children, who lived out of state and never called or visited. 

“The grandson was very close and did everything for him,” said Cona, an elder attorney in Melville, NY. “While we were going back and forth over some of the details, [the client] died suddenly of a massive stroke.”

The will was not yet signed. The two grown children didn’t attend his funeral, but they inherited the entire estate. The grandson got nothing. 

As Cona’s story shows, without a valid will, a deceased person’s wishes mean nothing. The laws of the state where the person lived dictate who inherits—and often, not in ways that many assume. 

Lorie Burch, an attorney in Dallas, puts it this way for her clients, “If you don’t have a will, the state of Texas has one for you.” 

Why No Will? 

Most people know they need a will. Yet two out of three Americans don’t have one, according to the 2022 Wills and Estate Planning Study by Caring.com. 

Why not? Of those without a will, the study reported, one of three think they don’t have enough assets to leave behind. 

For many others, it is simply a matter of procrastination. Chris Krupa Downs, an attorney in Plano, TX, calls it the “Scarlett O’Hara philosophy.” 

“When it comes to making the decisions involved in creating a will, many people would prefer ‘to think about that tomorrow,’” she said. 

Some assume that, because family members get along, their heirs will do the right thing. Or they believe their family situation is uncomplicated and the assets will transfer easily.

Others don’t want to think about death. 

“There’s this weird human element that clouds people’s judgment,” said Cona. “It’s almost like they’re superstitious. They think that, as soon as they sign their will, they’ll go out and get hit by a bus.” 

Unpleasantly Surprised

Most people don’t appreciate how difficult the probate process can be for surviving family members when there’s no will in place—or the many unexpected ways things can go wrong. When a person dies without a will, everything that the deceased person owned falls into intestate succession: the state takes control of the estate and doles it out to the heir or heirs, according to the state’s laws of intestacy.

With blended families, succession becomes more complicated. And state law doesn’t take into account whether family members are estranged or whether an heir might have a drug addiction or a gambling problem.

“A lot of people are shocked to learn that without a will, all the decisions are made according to state law,” said Burch. 

Before the estate is distributed, there’s a probate process to identify the dead person’s heirs. Sometimes, secrets are exposed. Burch is following a case where a man, a member of the LGBTQ community, died without a will. Unbeknownst to his husband, the deceased man had fathered a child—now grown—in a one-time sexual encounter he’d had decades earlier. After his death, the daughter came forward and DNA testing proved paternity. With a will, the man likely would’ve left his entire estate to his husband. But without a will, by Texas law, biological children may have a claim on a parent’s estate. 

And now the whole story is a matter of public record.

“When there’s no will, family secrets come out, and the process is super invasive,” said Burch. 

When the deceased has adult children from a previous marriage or gave up a baby for adoption long ago, and there’s no will, things can get complicated. 

Blended families often create surprises, too, depending on the state’s laws. 

“If you have children from a different marriage, it complicates things,” said Catherine Forte, an attorney in Plano. “With blended families, the estate often doesn’t go where you think it’s going to go.” 

In Texas, for example, in situations where there is no will, it’s not uncommon for adult children from a previous marriage to take an interest in the home occupied by the surviving spouse. The widow or widower is legally entitled to stay in the home, but if the stepkids want to cash in, they may pressure that person to sell. 

Downs adds that when people die without a will, often their life history dies with them. 

“I’ve had cases where someone died, and there’s no one who knows what relationships they had in life,” she said. “There’s no one who knows the facts and the history of the person’s life.”

Duncan Webb, an attorney in Plano, shared the story of a middle-aged woman who died without a will. While she had many friends and professional associates, the woman never married and had no children. She had been tight-lipped about her family situation. When she died, her body lingered at the morgue for weeks because no family member claimed the body. Neighbors stepped forward to help; a court-appointed attorney ultimately located an uncle, who made the funeral arrangements. Her estate was divided between the uncle and a nephew she’d never met. 

Similarly, Burch knows of a woman who died without a will, and who had had a baby decades earlier and given the baby up for adoption. Her spouse was aware of the child’s existence but had no idea when or where the child was born or the child’s gender. The court insisted that the child be tracked down to give his or her consent before the assets could be distributed. 

“Now, how do you find that child?” Burch said. 

Where’s the Money?

When there’s no will, finding the deceased’s heirs is one issue. Finding the assets is another. That was the problem facing Kashif Ahmed when his father died in Pakistan in 2001. More than 20 years later, he’s still tying up loose ends of the estate. 

“As wise and as organized as he was, my father just never got around to creating a will or documenting his assets and where they were,” Ahmed said. “And to make matters worse, he had multiple assets in multiple countries and continents.” 

Ahmed knows how to handle money—he is a wealth manager in Bedford, MA, and a lecturer in estate planning at Suffolk University and Bentley University. But the process was still a nightmare. Some of his father’s assets were in nations where, even with a judge’s order, bureaucrats demanded bribes before they’d handle the paperwork to transfer the assets to Ahmed’s name. He spent countless hours combing through his father’s papers and trying to track down other assets. 

An ATM receipt, found in his father’s trouser pocket, led Ahmed to look for a bank account in Switzerland. After sending certified letters to virtually every bank in Switzerland, he eventually learned that his father had only withdrawn cash from an ATM machine while passing through the Zurich airport. There was no Swiss bank account. 

Your Brain, on Grief 

Even with a valid will in place, grieving family members often find the probate process frustrating and emotionally exhausting. Without a will, it can be overwhelming. 

Sophia Dembling struggled with this after her husband, Tom Battles, died suddenly at age 59 in 2020 without a will. The situation seemed straightforward—the couple had been married for almost 30 years and had no children.

But her effort to access a few thousand dollars in a bank account, along with some uncashed checks, both in his name, has been a nightmare. Dallas County, TX, where she lives, required her to complete a small estate affidavit to prove she’s the rightful heir. That meant compiling a list of all his possessions and obtaining notarized documents from her elderly in-laws, who lived in Chicago and didn’t want to venture out during the pandemic.

The instructions on the county’s website were confusing. She made mistakes; each time she refiled the affidavit, she got something else wrong. Dembling could use the money but still can’t get access. Hiring an attorney would likely cost more than the total amount. 

“It was so overwhelming and heart-wrenching,” she said. “Just listing his possessions— the process was loaded with sentiment and sadness and love and regret.”

Normally, she thinks the process might be manageable, but having to tackle it while grieving was too much. 

One minor error can invalidate an online will or one that’s handwritten.

“There is something called ‘grief brain,’” said Dembling, who blogs about coping as a widow at Psychology Today.  “In early grief, your thinking is really fuzzy. There’s a lot of neurological energy going into just dealing with the loss.” 

Another area where a will is essential: providing for minor children. Without a will, the state will decide who cares for the children. It’s possible for children to end up in foster care. Estate planning—usually a will as well as a trust—is also critical for parents of adult children with special needs.  

“If you don’t do your planning, the child can lose government benefits, like Medicaid or disability payments,” Downs said. “In some cases, the wait lists to get the benefits are years long.”

Attorneys warn that there are also situations where a will may exist, but it’s not valid, or it doesn’t apply. Wills must be updated whenever a family situation changes due to birth, death, divorce or marriage, or when moving to another state. And some designations can override a will. For example, the beneficiary named in a life insurance policy will get the money regardless of what the will says. Ditto for bank or stock accounts where the owner has named a payable-upon-death (POD) beneficiary, which overrides what’s in the will.

Webb and Burch also advise caution with do-it-yourself options, like online wills or holographic wills. (Holographic wills are handwritten wills created by the testator and are legal in about two dozen states, with varying requirements.) Webb has handled cases where one seemingly minor error or omission—an insufficient number of witnesses to the will, for example—rendered a holographic will invalid. 

Family Fighting

Webb often hears from clients who assume they don’t need a will because their families get along. They trust their spouse or children to divide the estate fairly and peacefully. He’s witnessed plenty of horror stories that contradict that. He cited a case of a man who died with a large estate. He had two daughters and no will. 

“The daughters seemed to get along OK when he was alive, but after he died, they fought like cats and dogs and ended up spending $150,000 in legal fees,” he said. “When you and your spouse are still alive, the relationship between children is often muted. The jealousies and envy stay below the surface. Once the parents are gone, all these things come to the forefront.”

Even when succession laws clearly state who gets what, Webb added, fights can arise. For example, if there’s no will, all the heirs must agree on who will serve as executor, and that alone can start a war. 

Cona adds that a will not only helps ward off conflicts, it can also help keep families together after a death. 

“The best thing you can do for the next generation is to take care of estate planning,” she said. “It’s the best gift you can give your loved ones.”

Nursing Home Patients Caught in a Squeeze

What happens when Medicare Advantage plans aren’t an advantage

It’s happening more and more often: Medicare Advantage plans are telling nursing home patients it’s time to go home because their insurance coverage is ending, and at the same time, their doctors are telling them it’s too soon to go. Journalist Susan Jaffe investigates the situation here for Kaiser Health News. Her story was posted on KHN’s website on October 4, 2022, and also ran on Fortune. Funding from the Silver Century Foundation helps KHN develop articles (like this one) on longevity and related health and social issues. 

After 11 days in a St. Paul, MN, skilled nursing facility, recuperating from a fall, Paula Christopherson, 97, was told by her insurer that she should return home.

But instead of being relieved, Christopherson and her daughter were worried because her medical team said she wasn’t well enough to leave.

“This seems unethical,” said daughter Amy Loomis, who feared what would happen if the Medicare Advantage plan, run by UnitedHealthcare, ended coverage for her mother’s nursing home care. The facility gave Christopherson a choice: pay several thousand dollars to stay, appeal the company’s decision or go home.

Health care providers, nursing home representatives and advocates for residents say Medicare Advantage plans are increasingly ending members’ coverage for nursing home and rehabilitation services before patients are healthy enough to go home.

Half of the nearly 65 million people with Medicare are enrolled in the private health plans called Medicare Advantage, an alternative to the traditional government program. The plans must cover—at a minimum—the same benefits as traditional Medicare, including up to 100 days of skilled, nursing home care every year.

But the private plans have leeway when deciding how much nursing home care a patient needs.

“In traditional Medicare, the medical professionals at the facility decide when someone is safe to go home,” said Eric Krupa, an attorney at the Center for Medicare Advocacy, a nonprofit law group that advises beneficiaries. “In Medicare Advantage, the plan decides.”

Mairead Painter, a vice president of the National Association of State Long-Term Care Ombudsman Programs, who directs Connecticut’s office, said, “People are going to the nursing home, and then very quickly getting a denial, and then told to appeal, which adds to their stress when they’re already trying to recuperate.”

The health plan can determine how long someone is in a nursing home typically without laying eyes on the person.

—Jill Sumner

The federal government pays Medicare Advantage plans a monthly amount for each enrollee, regardless of how much care that person needs. This raises “the potential incentive for insurers to deny access to services and payment in an attempt to increase profits,” according to an April analysis by the Department of Health and Human Services’ inspector general. Investigators found that nursing home coverage was among the most frequently denied services by the private plans and often would have been covered under traditional Medicare.

The federal Centers for Medicare & Medicaid Services [CMS] recently signaled its interest in cracking down on unwarranted denials of members’ coverage. In August, it asked for public feedback on how to prevent Advantage plans from limiting “access to medically necessary care.”

The limits on nursing home coverage come after several decades of efforts by insurers to reduce hospitalizations, initiatives designed to help drive down costs and reduce the risk of infections.

Charlene Harrington, a professor emerita at the University of California-San Francisco’s School of Nursing and an expert on nursing home reimbursement and regulation, said nursing homes have an incentive to extend residents’ stays. “Length of stay and occupancy are the main predictor of profitability, so they want to keep people as long as possible,” she said. Many facilities still have empty beds, a lingering effect of the COVID-19 pandemic.

When to leave a nursing home “is a complicated decision because you have two groups that have reverse incentives,” she said. “People are probably better off at home,” she said, if they are healthy enough and have family members or other sources of support and secure housing. “The resident ought to have some say about it.”

Jill Sumner, a vice president for the American Health Care Association, which represents nursing homes, said her group has “significant concerns” about large Advantage plans cutting off coverage. “The health plan can determine how long someone is in a nursing home typically without laying eyes on the person,” she said.

The problem has become “more widespread and more frequent,” said Dr. Rajeev Kumar, vice president of the Society for Post-Acute and Long-Term Care Medicine, which represents long term care practitioners. “It’s not just one plan,” he said. “It’s pretty much all of them.”

As Medicare Advantage enrollment has spiked in recent years, Kumar said, disagreements between insurers and nursing home medical teams have increased. In addition, he said, insurers have hired companies, such as Tennessee-based naviHealth, that use data about other patients to help predict how much care an individual needs in a skilled nursing facility, based on her health condition. Those calculations can conflict with what medical teams recommend, he said.

For some Advantage plan members, going home is not practical or safe. 

UnitedHealthcare, which is the largest provider of Medicare Advantage plans, bought naviHealth in 2020.

Sumner said nursing homes are feeling the impact. “Since the advent of these companies, we’ve seen shorter lengths of stays,” she said.

In a recent news release, naviHealth said its “predictive technology” helps patients “enjoy more days at home, and health care providers and health plans can significantly reduce costs.”

UnitedHealthcare spokesperson Heather Soule would not explain why the company limited coverage for the members mentioned in this article. But in a statement, she said such decisions are based on Medicare’s criteria for medically necessary care and involve a review of members’ medical records and clinical conditions. If members disagree, she said, they can appeal.

When the patient no longer meets the criteria for coverage in a skilled nursing facility, “that does not mean the member no longer requires care,” Soule said. “That is why our care coordinators proactively engage with members, caregivers and providers to help guide them through an individualized care plan focused on the member’s unique needs.”

She noted that many Advantage plan members prefer receiving care at home. But some members and their advocates say that option is not always practical or safe.

Patricia Maynard, 80, a retired Connecticut school cafeteria employee, was in a nursing home recovering from a hip replacement in December when her UnitedHealthcare Medicare Advantage plan notified her it was ending coverage. Her doctors disagreed with the decision.

“If I stayed, I would have to pay,” Maynard said. “Or I could go home and not worry about a bill.” Without insurance, the average daily cost of a semiprivate room at her nursing home was $415, according to a 2020 state survey of facility charges. But going home was also impractical: “I couldn’t walk because of the pain,” she said.

It isn’t unusual for members of Medicare Advantage plans to have to file appeals repeatedly. 

Maynard appealed, and the company reversed its decision. But a few days later, she received another notice saying the plan had decided to stop payment, again over the objections of her medical team.

The cycle continued 10 more times, Krupa said.

Maynard’s repeated appeals are part of the usual Medicare Advantage appeals process, said Beth Lynk, a CMS spokesperson, in a statement.

When a request to the Advantage plan is not successful, members can appeal to an independent “quality improvement organization,” or QIO, that handles Medicare complaints, Lynk said. “If an enrollee receives a favorable decision from the QIO, the plan is required to continue to pay for the nursing home stay until the plan or facility decides the member or patient no longer needs it,” she explained. Residents who disagree can file another appeal.

CMS could not provide data on how many beneficiaries had their nursing home care cut off by their Advantage plans or on how many succeeded in getting the decision reversed.

To make fighting the denials easier, the Center for Medicare Advocacy created a form to help Medicare Advantage members file a grievance with their plan.

When UnitedHealthcare decided it wouldn’t pay for an additional five days in the nursing home for Christopherson, she stayed at the facility and appealed. When she returned to her apartment, the facility billed her nearly $2,500 for that period.

After Christopherson made repeated appeals, UnitedHealthcare reversed its decision and paid for her entire stay.

Loomis said her family remains “mystified” by her mother’s ordeal.

“How can the insurance company deny coverage recommended by her medical care team?” Loomis asked. “They’re the experts, and they deal with people like my mother every day.”

Celebrating Aging

Older adults are beginning to invent their own rites of passage

After her mother passed away, Jeanette Leardi invited female friends to her home for a special gathering. It wasn’t exactly a memorial service; many attendees never knew her mother. Instead, it was a healing ritual for Leardi. The group lit candles, played music and took turns reading favorite poems or writings. Then Leardi took a cup, which her mother had drunk from as a baby, poured milk into it and drank it.

Looking back, 25 years later, Leardi said the gathering helped her through a momentous transition: the end of years spent as her mother’s caregiver, and the transition from being a daughter toward her own elderhood.

“That was so impactful for me,” said Leardi, now 70, a social gerontologist and community educator in Portland, OR. “When someone dies, the person who was the caregiver loses a kind of identity.” The ritual helped her move forward. 

Seasons of Life

While there are many milestones to celebrate for youth and young adults—graduations, weddings, bar or bat mitzvahs, first communion or confirmation ceremonies—older adults have few. 

Adulthood involves many transitions. Parents send children off to college and become empty nesters. Professional careers come to an end at retirement. Older adults sell a beloved home to downsize to a condo or a retirement community. Longtime roles—such as caregiver for a spouse or parent—conclude; new roles begin. These transitions are life-altering, yet most pass uncelebrated.

“Becoming a grandparent is an incredible transition in someone’s life,” said Martha Pollack, 68, an adjunct professor at Touro College Graduate School of Social Work in New York. “There should be an opportunity to acknowledge that with some kind of a celebration.” 

When milestones slip by unnoticed, feelings of isolation and disconnection may remain. Rites of passages help people attend fully to key moments in life spiritually, psychologically and socially, according to Ronald L. Grimes, author of Deeply into the Bone: Re-inventing Rites of Passage (2000). 

“If people don’t mark a transition, they are unlikely to remember it,” he said. “Marking a transition with a ritual makes it memorable and gives it new shape.”  

Rituals Matter 

Why are there so few significant celebrations for older adults? For much of human history, few people lived past what is today considered middle age. Given that many rites of passage evolved over thousands of years, there has been relatively little time for such observances to emerge for older people. Ageism factors in too. Many milestones in older adulthood involve at least some element of loss; on the surface, it may appear they aren’t worth commemorating.  

“Society assumes older age is nothing but downhill and deterioration and decline, so there’s nothing to celebrate,” Leardi said. 

Still, it’s important to mark milestones. Rituals create a sense of completion—a closing of one phase of life and the beginning of another—and provide time for reflection. Gatherings allow friends and family to offer recognition and support during a transition. Rites of passage provide a sense of stability and continuity and tie people to their heritage, ancestry and religious faith or spirituality. They can impart a sense of meaning and purpose. 

“Rituals help us find and define the patterns and cycles of our individual lives that might otherwise seem to be random happenings if viewed separately,” wrote Abigail Brenner, MD, in Psychology Today.

More Than a Birthday 

Kathy Armey remembers seeing the colorful quinceañera gowns in the windows of shops in her neighborhood in Dallas. Quinceañeras are 15th birthday parties for young women, celebrated in Mexico and among Hispanic Americans. 

Armey yearned for an excuse to wear one of those beautiful, elaborate gowns. So she bought herself a gown and a tiara, and, after a year of planning, hosted a 50th birthday bash she called her “cincuentanera.” Friends and family members traveled from far and wide for a night of dancing, food, a DJ and an elaborate cake. 

“My view was, I’m not going to ever be any younger than 50 after this,” she said. “There’s no point moaning and groaning about getting older, so I might as well make it a celebration.” 

Now 58, Armey still enjoys looking through the book she assembled of photos from her cincuentenera. The event helped maintain ties with friends and family who might have otherwise fallen out of touch. She would like to do something big for her 60th birthday too, but she hasn’t yet decided what that will be. 

Some adults are marking age milestones by inventing or re-inventing rites of passage for their later years. A growing number of Jewish adults, for example, are choosing to celebrate second bar or bat mitzvahs. Unlike adult bar or bat mitzvahs for an adult who never had the celebration as a teen, second bar mitzvahs typically take place at age 83, a nod to 70 (an expected lifespan, per Psalms 90:10 in the Bible) plus 13 (the age of a typical bar/bat mitzvah.)

“Reaching age 70, then, can be considered a new start—and therefore, age 83 would be the equivalent to reaching [bar/bat] mitzvah age again,” wrote Howard Lev in Reform Judaism’s blog. “This is also a great way to keep older congregants involved in synagogue life.” 

Unlike the rite celebrated with young teens, second bar/bat mitzvahs come toward the end of a long life. 

“This is not about your parents telling you to do something, it’s not about Hebrew school, it’s not about the culmination of these years of study and all the pressure and expectations associated with it,” said Avi Winokur, a Philadelphia rabbi. “It’s really a free-will situation…. it is an opportunity for older adults to reaffirm their commitment to Judaism and bring their loved ones together.” 

Celebrating a ‘Cancerversary’ 

Many older adults, sooner or later, face health issues that may require arduous periods of treatment or rehab. Bonnie Annis, 64, a writer and photographer, urges fellow survivors to mark a “cancerversary” (an anniversary of a key moment in their cancer journey, such as the completion of chemotherapy) by throwing a party, completing a “bucket list” activity, planting a tree, taking a vacation or getaway or simply spending some time in reflection. 

Annis recently traveled to Israel to mark the eighth anniversary of her breast cancer surgery. It was the first overseas trip she’d taken since the surgery. Because she has breast prostheses, she was apprehensive about getting through security, but it worked out and the trip went well. 

Annis has celebrated each anniversary with some new adventure. 

“I can’t imagine letting one single year postcancer pass without celebrating,” she said. “Being able to celebrate is a way of saying to cancer, ‘I’m still here! You didn’t win.’ By celebrating, you acknowledge the difficulties you’ve overcome and shift your focus toward the future.” 

Reinventing Milestone Moments 

Retirement is a big deal. And while workplaces do often hold celebrations for retiring colleagues, many are low-key, even dreary affairs.

“Retirement parties often feel sort of sheepish,” said Kitty Eisele, 59, host of Twenty Four Seven, a podcast about caregiving. “You have people standing around with plastic cups of wine and a couple of managers remembering the [retiring person’s] glory days.” 

That kind of celebration doesn’t fit the retirees Eisele knows, whose plates are full of passion projects they couldn’t tackle while working full time. 

“I feel like these celebrations should be amazing,” she said. “They should feel more like launch parties.”

Because he’s an expert in ritual, years ago author Grimes was called on to design a celebration for a colleague, Bob, who was retiring. He devised an elaborate, joyful and serious affair, including a cord-cutting ritual to mark the end of Bob’s career at the university. Grimes distributed a printed program for the event; students and retired colleagues offered reflections during the time for “Words of Appreciation, Recollection and Bedevilment.” 

“The rite, like Bob himself, is still remembered and talked about,” Grimes wrote. 

There are ways to commemorate the change when you downsize and leave a longtime home.

Another big transition that usually goes unmarked: leaving a longtime family home to downsize or move to assisted living. 

“Many [older adults] struggle with leaving behind a home where they’ve created so many memories,” said Missy Buchanan, author of Joy Boosters: 120 Ways to Encourage Older Adults. “Trying to decide what to take, what to sell and what to give away can be overwhelming.” 

Buchanan proposed a few ways to better commemorate the transition: videotape the family home, room by room, before moving, with the outgoing resident(s) narrating about treasured memories or precious items in each room. At the new home, invite family, friends and perhaps a clergy person for a “Bless this New Home” gathering.

A Turning Point

In retrospect, Leardi sees the ceremony after her mother’s death as a turning point that ultimately led to her current work. A few years later, after her father passed away, she went back to school to earn a degree in gerontology. Today, she writes and speaks to empower older people to identify and share their wisdom with others.

Caregiving showed her how little older adults are valued in the community. Though she didn’t know it at the time, the healing ritual “was the beginning of the recognition that there was something I needed to be doing about all this,” she said. 

Leardi would like to see communities mark a rite of passage for elderhood—the point when a person reaches the threshold of older age, however that might be defined. Some Unitarian churches, as well as goddess and earth-based spirituality groups, have experimented with that, with rituals such as croning and saging ceremonies, to mark the arrival at elderhood for older women and men respectively. 

Even solitary rituals, or simple acts, can make transitions more meaningful, Professor Pollack noted. The day after retiring from her longtime job at a social services agency, she joined a new gym. Regular visits to the gym now give her days structure and happiness.

You need to be inventive to celebrate unconventional milestones.

“Even if it’s not a formal ritual, we can take small, personal steps to mark these transitions,” she said.

Pollack believes that if more transitions in later life were celebrated in positive ways, it might help combat ageism. Communal, multigenerational celebrations of rites of passage in older adulthood could help model “how to age successfully and how to take on new roles in life,” she said. 

“That could, in turn, inspire younger people not to be afraid to move on in life. We owe it to our children and our grandchildren to create a positive image of older age, to show them what it means to move forward in life, and the importance of experience and wisdom.” 

For now, older adults who choose to celebrate unconventional milestones need to be inventive and willing to experiment. Grimes thinks it’s worth the effort.

“Rituals are like markers on a forest trail,” he said. “Sometimes those markers could be wrong and could lead you astray, but having no markers is worse.” 

Changing the Way You Think about Aging Can Improve Your Life

It’s good for everything from your memory to your health

Our culture teaches us to expect the worst of our later years and of older people. Research done by Yale psychologist Becca Levy has uncovered the damage that kind of ageism can do, but she has also found ways people can shed such beliefs. Journalist Judith Graham interviewed Levy for Kaiser Health News, which posted her article on the KHN website on April 11, 2022. 

People’s beliefs about aging have a profound impact on their health, influencing everything from their memory and sensory perceptions to how well they walk, how fully they recover from disabling illness and how long they live. 

When aging is seen as a negative experience (characterized by terms such as decrepit, incompetent, dependent and senile), individuals tend to experience more stress in later life and engage less often in healthy behaviors such as exercise. When views are positive (signaled by words such as wise, alert, accomplished and creative), people are more likely to be active and resilient and to have a stronger will to live.

These internalized beliefs about aging are mostly unconscious, formed from early childhood on as we absorb messages about growing old from TV, movies, books, advertisements and other forms of popular culture. They vary by individual, and they’re distinct from prejudice and discrimination against older adults in the social sphere.

More than 400 scientific studies have demonstrated the impact of individuals’ beliefs about aging. Now, the question is whether people can alter these largely unrecognized assumptions about growing older and assume more control over them.

In her new book, Breaking the Age Code: How Your Beliefs About Aging Determine How Long and Well You Live, Becca Levy of Yale University, a leading expert on this topic, argues we can. “With the right mind-set and tools, we can change our age beliefs,” she asserts in the book’s introduction.

Levy, a professor of psychology and epidemiology, has demonstrated in multiple studies that exposing people to positive descriptions of aging can improve their memory, gait, balance and will to live. All of us have an “extraordinary opportunity to rethink what it means to grow old,” she writes.

Recently, I asked Levy to describe what people can do to modify beliefs about aging. Our conversation, below, has been edited for length and clarity.

Q: How important are age beliefs, compared with other factors that affect aging?

In an early study, we found that people with positive age beliefs lived longer—a median of 7.5 additional years—compared with those with negative beliefs. Compared with other factors that contribute to longevity, age beliefs had a greater impact than high cholesterol, high blood pressure, obesity and smoking.

Q: You suggest that age beliefs can be changed. How?

That’s one of the hopeful messages of my research. Even in a culture like ours, where age beliefs tend to be predominantly negative, there is a whole range of responses to aging. What we’ve shown is it’s possible to activate and strengthen positive age beliefs that people have assimilated in different types of ways.

Q: What strategies do you suggest?

The first thing we can do is promote awareness of what our own age beliefs are.

A simple way is to ask yourself, “When you think of an older person, what are the first five words or phrases that come to mind?” Noticing which beliefs are generated quickly can be an important first step in awareness.

Q: What else can people do to increase awareness?

Another powerful technique is something I call “age belief journaling.” That involves writing down any portrayal of aging that comes up over a week. It could be a conversation you overhear in a coffee shop or something on social media or on your favorite show on Netflix. If there is an absence of older people, write that down too.

At the end of the week, tally up the number of positive and negative portrayals and the number of times that old people are absent from conversations. With the negative descriptions, take a moment and think, “Could there be a different way of portraying that person?”

Q: What comes next?

Becoming aware of how ageism and age beliefs are operating in society. Shift the blame to where it is due.

In the book, I suggest thinking about something that’s happened to an older person that’s blamed on aging—and then taking a step back and asking whether something else could be going on.

For example, when an older adult is forgetful, it’s often blamed on aging. But there are many reasons people might not remember something. They might have been stressed when they heard the information. Or they might have been distracted. Not remembering something can happen at any age.

Unfortunately, there’s a tendency to blame older people rather than looking at other potential causes for their behaviors or circumstances.

Q: You encourage people to challenge negative age beliefs in public.

Yes. In the book, I present 14 negative age beliefs and the science that dispels them. And I recommend becoming knowledgeable about that research.

For example, a common belief is that older people don’t contribute to society. But we know from research that older adults are most likely to recycle and make philanthropic gifts. Altruistic motivations become stronger with age. Older adults often work or volunteer in positions that make meaningful contributions. And they tend to engage in what’s called legacy thinking, wanting to create a better world for future generations.

In my own case, if I hear something concerning, I often need to take time to think about a good response. And that’s fine. You can go back to somebody and say, “I was thinking about what you said the other day. And I don’t know if you know this, but research shows that’s not actually the case.”

Q: Another thing you talk about is creating a portfolio of positive role models. What do you mean by that?

Focus on positive images of aging. These can be people you know, a character in a book, someone you’ve learned about in a documentary, a historical figure—they can come from many different sources.

I recommend starting out with, say, five positive images. With each one, think about qualities you admire and you might want to strengthen in yourself. One person might have a great sense of humor. Another might have a great perspective on how to solve conflicts and bring people together. Another might have a great work ethic or a great approach to social justice. There can be different strengths in different people that can inspire us.

Q: You also recommend cultivating intergenerational contacts.

We know from research that meaningful intergenerational contact can be a way to improve age beliefs. A starting point is to think about your five closest friends and what age they are. In my case, I realized that most of my friends were within a couple of years of my age. If that’s the case with you, think about ways to get to know people of other ages through a dance class, a book club, or a political group. Seeing older people in action often allows us to dispel negative age beliefs.

 

Needed: New Ways to Prepare Older People for Disasters

Hurricane Ian’s death toll among older adults exposes a widespread problem

When Hurricane Ian descended on Florida, most of those who died were at least 60 and had failed to evacuate. Journalist Judith Graham reports here on why that happened and on new efforts to help vulnerable, older people prep for disasters. Her article was posted on the Kaiser Health News (KHN) website on Nov. 2, 2022. Funding from the Silver Century Foundation helps KHN develop articles (like this one) on longevity and related health and social issues. 

All kinds of natural disasters—hurricanes, tornadoes, floods, wildfires, dangerous heat waves—pose substantial risks to older adults. Yet not enough seniors prepare for these events in advance, and efforts to encourage them to do so have been largely unsuccessful.

The most recent horrific example was Hurricane Ian, the massive storm that in September smashed into Florida’s southwestern coast—a haven for retirees—with winds up to 150 mph and storm surges exceeding 12 feet in some areas. At least 120 people died, most of them in Florida. Of those who perished, two-thirds were 60 or older. Many reportedly drowned and were found in their homes.

Why didn’t more older adults leave for safer areas, as authorities recommended? Understanding this is critically important as the population of older people expands and natural disasters become more frequent and intense with climate change.

“I think the story of Hurricane Ian that people will remember is the story of people who didn’t evacuate,” said Jeff Johnson, AARP’s Florida state director.

Even before the storm, there were worrisome signs that disaster preparedness was lagging. In an AARP survey this summer of 1,005 Florida residents 45 and older, 67 percent reported having a natural disaster emergency plan, compared with 75 percent in 2019. The declines were most notable among people with low incomes (less than $50,000 a year) and those who owned their homes.

Meanwhile, 61 percent of Florida residents 45 and older said they planned to shelter in place during the next bad storm. In 2019, the comparable figure was 55 percent.

The lessons of COVID haven’t been incorporated into disaster preparation yet. 

Johnson said concerns about the COVID-19 pandemic and inflation’s impact on budgets may have contributed to “a lot of people who were just not mentally prepared to leave.” More broadly, he faulted disaster preparation checklists that target seniors.

Mostly, these resources tell older adults to complete a long list of tasks before a crisis occurs. “Coming out of Ian, what’s become clear is that giving seniors materials with lots of steps they need to follow ends up being overwhelming,” Johnson told me. “The checklists aren’t working.”

Among the items that seniors are advised to assemble: enough nonperishable food, water and medications for several days; cash for 30 days of living expenses; hearing aids and glasses; flashlights and battery-powered lamps; extra batteries; and first-aid supplies.

Beyond that, older adults are encouraged to create a list of people who can help them in an emergency, familiarize themselves with evacuation routes, arrange for transportation and compile essential documents such as wills, powers of attorney and lists of their medical providers and medications.

Doing all this is especially challenging for older adults with hearing and vision impairments, cognitive problems, difficulties with mobility and serious chronic illnesses such as heart disease or diabetes.

Also at heightened risk are seniors without cars, cell phones that broadcast emergency alerts, extra money for lodging, or family members and friends who can help them get organized or take them in, if necessary, according to Lori Peek, director of the Natural Hazards Center and a professor of sociology at the University of Colorado-Boulder.

“It’s not age alone that renders elderly people vulnerable in disasters,” she noted. “It’s the intersection of age with other social forces” that affects people who are poor and represent racial and ethnic minorities.

This lesson has been painfully learned during the COVID pandemic, which has killed enormous numbers of vulnerable seniors. But it hasn’t been incorporated into disaster preparedness and response yet.

Sue Anne Bell, an assistant professor at the University of Michigan, who studies the health effects of disasters, said this must change. “We need to focus disaster preparedness on these vulnerable populations,” she said, adding that a one-size-fits-all approach won’t work and that outreach to vulnerable seniors needs to be tailored to their particular circumstances.

In a survey, 52 family caregivers all said they would never take a loved one with dementia to a disaster shelter. 

Coming up with better strategies to boost older adults’ ability to cope with disasters should be a national priority, not one specific to areas beset by hurricanes, because lack of preparedness is widespread.

In May 2019, Bell’s colleagues at the University of Michigan’s National Poll on Healthy Aging surveyed 2,256 adults ages 50 to 80 about emergency planning for natural or man-made disasters. Although nearly three in four respondents said they had experienced an event of this kind, just over half had a week’s supply of food and water available, and only 40 percent said they had talked to family or friends about how they would evacuate if necessary.

Least likely to have prepared for emergencies were seniors who live alone, a growing portion of the older population.

Of enormous concern are older adults with Alzheimer’s disease or other types of cognitive impairment living in their own homes, a larger group than those living in institutions.

When Lindsay Peterson, a research assistant professor at the University of South Florida, interviewed 52 family caregivers in 2021 and 2022, all of them said they would never take a loved one with dementia to a disaster shelter. Although Florida has created “special needs” shelters for people with disabilities or medical concerns, they’re noisy and chaotic and lack privacy.

Even older adults without dementia are loath to go to shelters because of these issues and because they don’t want to identify themselves as needing assistance, Peek noted.

Until now, disaster planning has focused on individuals taking responsibility for themselves. Older adults need community support.

Using feedback from her research, Peterson this year created a disaster preparedness guide for dementia caregivers in concert with the Alzheimer’s Association that presents information in an easy-to-understand format.

“A lot of caregivers told us, ‘Please help us do this but make it simpler. Every day I wake up and there’s a new crisis,’” Peterson said.

She noted that institutions such as nursing homes have been a focus of disaster planning for older adults in the wake of disasters such as Hurricane Katrina in New Orleans in 2005 and Superstorm Sandy, which hit the New York City metro area and New Jersey especially hard in 2012.

Now, the field needs to do more to address the needs of the vast majority of older adults who live at home, Peterson suggested.

What might that include? A report published by the Federal Emergency Management Agency and AARP in July calls for bringing together organizations that serve older adults and local, state and federal agencies responsible for emergency preparedness on a regular basis. Together, they could plan for reducing the impact of disasters on seniors.

Separately, a January 2020 report by the American Red Cross and the American Academy of Nursing recommends that home health agencies and other organizations serving older adults at home develop plans for helping clients through disasters. And more opportunities for older adults to participate in community-based disaster training should be made available.

Think of this as age-friendly disaster planning. Until now, the focus has been on individuals taking responsibility for themselves. This is a more communal approach, focused on building a stronger network of community support for older adults in times of crisis.

“All of us are thinking now that communities can’t be age-friendly or dementia-friendly if they’re not disaster-resilient,” said Johnson of AARP Florida. “And everyone who’s been through Ian, I suspect, will be more vigilant going forward, because people have been scared straight.”

 

A Photographer’s Rich Portrait of Aging

Her 12-year quest to document her own life 

What happens when a 70-something professional photographer sets out to record her own body as she ages and the bodies of other, older people, sometimes naked and sometimes not? In this article, Journalist Judith Graham interviews the photographer, Marna Clarke, for Kaiser Health News (KHN) and describes reactions—in the art world and beyond—to Clarke’s moving portraits of aging. Graham’s article was posted on the KHN website on October 7, 2022. It also ran in the San Francisco Chronicle. Funding from the Silver Century Foundation helps KHN develop articles (like this one) on longevity and related health and social issues. 

A dozen years ago, at age 70, Marna Clarke had a dream. She was walking on a sidewalk and rounded a corner. Ahead of her, she saw an end to the path and nothing beyond.

It was a turning point for Clarke. “I realized, ‘Oh my God, I’m nearer the end than the beginning,’” she said. Soon, she was seized by a desire to examine what she looked like at that time—and to document the results.

Clarke, a professional photographer decades before, picked up a camera and began capturing images of her face, hair, eyes, arms, legs, feet, hands, and torso. In many, she was undressed. “I was exploring the physical part of being older,” she told me.

It was a radical act: older women are largely invisible in our culture, and honest and unsentimental portraits of their bodies are almost never seen.

I found out there’s a taboo about showing older adults’ bodies—some people were just aghast.

—Marna Clarke

Before long, Clarke, who lives in Inverness, CA, turned her lens on her partner, Igor Sazevich, a painter and architect 11 years her senior, and began recording scenes of their life together. Eventually, she realized they were growing visibly older in these photographs. And she understood she was creating a multiyear portrait of aging.

The collection that resulted, which she titled “Time As We Know It,” this year won a LensCulture Critics’ Choice Award, given to 40 photographers on five continents. “There is a universality and humility in seeing these images which remind us of the power of love and the fragility of life,” wrote Rhea Combs of the Smithsonian Institution’s National Portrait Gallery, one of the judges.

Early on, some people were offended by the images Clarke displayed at galleries in the San Francisco Bay Area, near her home. “I found out there’s a taboo about showing older adults’ bodies—some people were just aghast,” she told me in a phone conversation.

But many people in their 50s, 60s, 70s and 80s expressed gratitude. “I learned that older people are dying for some kind of recognition and acceptance and that they want to feel seen—to feel that they’re not invisible,” Clarke said.

Art has many benefits in later life, both for creators and for those who enjoy their work. It can improve health by expanding well-being, cultivating a sense of purpose and countering beliefs such as the assumption that older age is defined almost exclusively by deterioration and decline, Gene Cohen, MD, wrote in The Creative Age: Awakening Human Potential in the Second Half of Life, published in 2000.

Perspective and acceptance of her own body have been benefits of her project. 

Cohen, a psychiatrist, was the first director of the Center for Aging, Health and Humanities at George Washington University and acting director of the National Institute on Aging from 1991 to 1993.

In 2006, Cohen published findings from the Creativity and Aging Study, conducted in San Francisco, CA, Brooklyn, NY, and the Washington, DC, area. Two groups of older adults were studied: those who participated weekly in arts programs led by professionals, and people who went about their usual business. Those in the first group saw doctors less often, used less medication, were more active and had better physical and mental health overall, the study found.

For Clarke, “perspective” and “acceptance of my body as it is” have been benefits of her 12-year project. As a young and middle-aged woman, she said, she was “obsessed” with and anxious about her appearance. “Now, I think there’s a beauty that comes out of people when they accept who they are,” she told me. “It’s altered how I look at myself and how I see others.”

Shortly after our first conversation, in early August, Clarke, now 82, found herself at another turning point with the death of Sazevich, 93, who had lymphoma and refused chemotherapy. The couple had been together since 2003 but hadn’t married.

Sazevich had fallen three times in the months before, broken his hip, contracted pneumonia in the hospital and returned home on hospice. As he lay in bed on his final day, receiving morphine and surrounded by family, two dogs belonging to one of his daughters came close, checking on him every hour. At the moment of his death, they growled, probably because “they felt a change in the energy,” Clarke said.

It takes a community to comfort an older adult who is coping with loss. 

“It was amazing—I have never been through an experience like that in my life,” she said about Sazevich’s death. “There was so much love in that room, you could cut it with a knife. I think it’s changed me. It’s given me a glimpse of what’s possible with humans.”

Everywhere she goes in Inverness, Clarke runs into people who tell her how sorry they are for her loss and ask if they can help. “I am overwhelmed by the care pouring over me from my friends and family,” she told me. “It’s like a huge embrace.”

It takes a community to comfort an older adult coping with loss, just as it takes a community to raise a child. Clarke said she is still “up and down emotionally … questioning what death is” as she processes her loss.

Eventually, Clarke said, she wants to restart work on “Time As We Know It.” 

“Because it’s about aging me,” she said. “My aging. And that’s what I’m committed to. It’s given me a purpose. And when you’re growing old, you need to have something you love and makes you feel alive.”