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12 Senior Life Sept

12 Senior Life Sept

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Published by The Delphos Herald

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Published by: The Delphos Herald on Oct 01, 2012
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 A Special Supplement To The Delphos Herald • September 2012
Senior Lifestyles
 
with
‘good health’ 
 
2
• The Delphos Herald Senior Lifestyles • September 2012
ARA — With 10,000 Americans turn-ing 65 every day - and according torecently released research, a majority of them expecting to live to nearly 90 - thecelebration of older Americans is a devel-oping trend, and more people are aspiringto live longer and better than ever before.The latest research conducted byGallup and Robinson as part of Pfizer’sGet Old initiative asked more than 1,000Americans 18 to 65+ years old how theyfeel about getting old. The results showedthat priorities and perceptions about agingshift over time.
 
Key findings of theresearch include:
• Nearly half of those over 50 (41 per
-cent) said they were “optimistic” aboutgetting old as compared with “uneasy”,“angry” or “prepared”
• A vast majority of those who feel
aging is better than expected cite good
health (74 percent), wisdom (72 percent)
and greater appreciation for friends and
family (72 percent) as the top reasons• 51 percent of all people surveyed
think they look younger than their age,
and 40 percent think they are wiser than
their age
• Given a list of lifetime achievements,those 18 to 34 (45 percent) rank having$1 million first, while those over 65 (48
percent) would rather see their grandchildgraduate from college“We all have one thing in common -each day we get older. At every age andstage of our lives, we can make choicesand take actions that will help us livelonger and better. There are so many posi-tive role models today who are changinghow people think about aging,” said Dr.Freda Lewis-Hall, Pfizer’s Chief MedicalOfficer. “There’s a huge opportunity tosupport the shift that’s underway. AtGetOld.com, we want to hear what peoplewant and need to live better and healthierand create a forum for dialogue on what itmeans to ‘get old’ today.”The Get Old initiative is supportedby the following leading organizations:Easter Seals, International LongevityCenter at Columbia University’sMailman School of Public Health, Men’s
Health Network, National Alliance forCaregiving, National Coalition for CancerSurvivorship, National ConsumersLeague, National Family Caregivers
Association, Patient Advocate FoundationSociety for Women’s Health Research
Visiting Nurse Associations of Americand WomenHeart: The National Coalition
for Women with Heart Disease.The goal of Get Old is to amplify theconversation on aging and learn moreabout how Americans at all ages are tack-ling aging for themselves, their familyand society. At the center of the initiativeis a first-of-its-kind online communityGetOld.com, where people can discusaging by sharing and viewing stories,photos, and videos about getting old. Thesite provides people the opportunity tovote on how they feel about aging: Angry,Uneasy, Optimistic or Prepared.
New research shows people over 50 look forward to golden years,as leading reasonsand
‘wisdom’ 
 
 
September 2012
 
• The Delphos Herald Senior Lifestyles -
3
Delaying retirement
has financial, social benefits
MS — The need to save for retirementis something professionals start hearingabout from the moment they begin theirareers. Whether it’s parents extolling thevirtues of retirement plans or employerswho encourage their employees to takeadvantage of their retirement programs,saving for retirement is never far from theminds of professionals.As important as such savings can be,many workers are deciding to delay theirretirements. As much as men and womennvision retiring to a faraway seaside villafor their golden years, such retirementsare not terribly common, and many old-r workers have begun to recognize the
conomic and social benets of delaying
retirement. Those undecided about when
they want to say goodbye to the ofceshould consider the following benets to
elaying retirement.
• Fewer years to worry about nancing
your lifestyleThanks to advancements in medicineand more andmore people liv-ing healthier life-styles, men andwomen are nowliving longer thanin years past.While living lon-ger, healthier livesis a plus, it doeshave an effect onretirement. Be-cause people cannow expect to live longer, they must en-sure their money lasts long enough. Bydelaying retirement, men and women will
have fewer retirement years to nance.• More chances to save money
It might be your dream to retire early,but you could be doing yourself a greatdisservice by ending your career prema-turely. Men and women at or near the endof their careers are often making moremoney than they ever have, which enablesthem to save more than they have in thepast, especially if children are full grownand supporting themselves. Take advan-tage of these high-salary years, even if itmeans working an extra few years. If youdo, when you retire you could have sub-stantially more in savings than you wouldhave had you retired early.
• Stay socially activeIn addition to economic benets, delay
-
ing retirement has social benets as well.
Many people get the bulk of their socialinteraction with colleagues and cowork-ers. When men and women retire, theseopportunities for social interaction candwindle rather quickly, and it’s not un-common for retirees to battle feelings of isolation. Delaying retirement allows youto easily maintain contact with friends andcolleagues, and can lead to a better qualityof life.
• The chance to give back
Many older professionals view retire-ment as being put out to pasture, wheretheir years or experience aren’t utilized.However, individuals who delay retire-ment can use their extra years around the
ofce as an opportunity to leave a legacy
for the next generation. This is something
professionals nd especially valuable as
their retirement draws nearer and theywant to leave a lasting mark, be it on theircompany, within their industry or in thecommunity in which their company oper-ates. Delaying retirement provides moretime to build this legacy, and can create a
greater sense of fulllment when men and
women do decide to retire.Delaying retirement is growing in-creasingly popular. Men and women oftensee it as a chance to build a bigger nestegg and leave a more lasting legacy with-in their company and community.More and more men and women arechoosing to delay their retirement, a de-cision that has both economic and social
benets.
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ARA — Finding the Medicare coveragethat best fits their needs and their pock-tbooks is challenging for many seniors.Health care plans make changes to their cov-rage. People’s health conditions change.
Not keeping on top of these changes can
mean problems. Suddenly seniors may findthey don’t have needed coverage, their doc-tor no longer takes their plan, or they facesteep medical or prescription drug costs.That’s why it’s essential to reviewMedicare coverage and individual needsach year, and to use the Medicare annualopen enrollment period to make changes tooverage. Medicare annual open enrollment
runs from Oct. 15 through Dec. 7, with new
benefit choices effective the following Jan.1.“Getting started early is key,” says Maryale Walters, senior vice president of theAllsup Medicare Advisor, a Medicare planselection service. “Choosing Medicare cov-rage is complicated, even when you havelots of information on the Web. It can beifficult to get current plan information andto get an apples-to-apples comparison of plans.”Walters offers these tips for seniors tomanage and lower their health care costs.
1. Be an informed consumer
Millions of seniors, their families andcaregivers will be pleased to know that forthe third straight year the average basicMedicare prescription drug premiums willremain steady.Since enacted, the Affordable Care Act
has helped more than 5.4 million peoplewith Medicare save more than $4.1 billion
in out-of-pocket prescription drug expenses.
Tips for seniors
on managing health care costs
See TIPS, page 12

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