For 40 years, NORML has served as a clearinghouse for marijuana-related information. Much of this information, including transcripts of NORML's testimony before Congress and state legislative committees, is now available online in NORML's Library. You will find NORML reports and related information on the following topics: Health Reports, Driving and Marijuana Legalization Reports, Surveys & Polls, Medical Marijuana Reports, NORML Testimony, Arrest Reports, Hemp Reports, European Drug Laws, Marinol vs. Natural Plant, The NORML Truth Report, Economics Reports, Marijuana Crop Reports, Freedom of Information Act Requests
A Life Settlement transaction is the sale of a life insurance policy which can act as a funding bridge to cover the costs of retirement. If a policy owner has outlived the purpose of a life insurance policy, has decided that it has become an under-performing asset, or has had a life event that requires liquidity-- then selling a life insurance policy through a Life Settlement transaction should be considered. A Life Settlement can provide seniors and their families with peace of mind during a time of transition or financial crisis. Eligibility-Age 65 or older (ages as young as 55 can be considered). Any type of life insurance policy with a combined death benefit value of $50,000 or greater. Has no restrictions on use of money or requirements to be secured or paid back.The policy owner will receive a lump sum payment and is no longer responsible for paying premiums once a Life Settlement is complete. There are no upfront fees or obligations to do a Life Settlement.
Meals and Grocery Delivery
Good nutrition is crucial to maintaining an older person's health and overall well-being. There are 221 programs nationwide that administer Title VI of the Older Americans Act, which promote nutrition and supportive services. One of the more popular programs, commonly known as "Meals on Wheels", provides home meals delivered by local volunteers to the elderly varying from 1-2 meals daily and often includes a hot and/or cold meal. Many grocery delivery services are available nationwide or may be arranged with more familiar local grocers.
Finding Meals on Wheels programs is simply accomplished by looking up which ones are offered in your area. Grocery delivery services can be located by referring to several national companies offering on-line ordering or making arrangements with your local grocery store providing these services.
Nutritional well-being plays a vital role in the overall health, independence, and quality of life of older persons. Research shows that many older Americans, however, aren't eating well. Those who may have lost their teeth find it difficult to chew while others may have disabilities or functional impairments and are unable to shop for groceries or cook for themselves. Still others either do not understand about the types of food that they need to help keep them healthy or simply cannot afford to buy the proper foods. For older Americans, poor nutrition can lead to weight loss, weakness, lessened immunity to disease, confusion, increased frailty and debilitation. Home Delivered meals offers one solution to relieving a family's worry about a loved one's poor eating habits or inability to cook while Grocery Delivery services eliminate concerns about inabilities to drive and shop.
The Administration on Aging through Titles III and VI of the Older Americans Act funds and administers the largest community nutrition services program for older Americans, the Elderly Nutrition Program. This program provides nutrition services including meals, nutrition education, and other services to mobile and homebound elders 60 years of age and older with a preference to those in greatest economic and social need. The meals are usually provided at very reasonable costs or sometimes at no cost depending on income level. Grocery delivery service's costs vary but frequently charge a percentage of total grocery purchases or simply add on service charge.
Health Insurance Counseling and Advocacy Program (HICAP) assists individuals and families with Medicare problems and other health insurance concerns. Trained counselors provide information on Medicare, Medicare supplement insurance, managed care, long-term care planning and health insurance.
Home Care (non-medical)
Home Care Agencies enable seniors to live independently in their own homes or stay with a family member through providing access to outside supportive care and assistance when needed.
Referred to by many names including Home Care Agencies, Home Health Agencies, In Home Agencies, Personal Care Agencies, Homemaker and Chore Services, Companion services.Home care, also known as in-home care, is nonmedical care provided in the client's home. It includes custodial care and assistance with activities of daily living such as eating, bathing and providing medication reminders.
Homecare workers are professionally trained caregivers who provide companionship and are responsible for maintaining a safe environment for the person receiving care.
Homecare can be arranged without a physician's order and is different from home health care, in that caregivers do not provide nursing care. For example, while they may provide medication reminders, they are not allowed to administer medication. Neither are caregivers housecleaners; although some light housekeeping may be necessary and appropriate, heavy housecleaning is normally not expected.
Medicare, Managed Care, Medicaid and Veterans Benefits do not cover homecare. Some Medigap policies cover homecare if the individual is simultaneously receiving skilled home health care. As such, most in-home care is either paid for privately or by using a long-term care insurance (LTCI) policy. As many people wish to live at home as long as possible, LTCI policies have grown in popularity. Some states offer payment for family caregivers, and in some states being a Medicaid recipient automatically qualifies a person for homecare. Check with your state Medicaid office to see what is offered in your area.
Home Health Care (Medical Care)
Appropriate health care programs are designed and implemented based on the patients specific needs under direction of the patients personal physician. What are some of the benefits of home health services? Allows patients to convalesce in the privacy and comfort of their own homes. Teaching the patient and caregiver the skills needed to care for themselves. Meeting the patients social and emotional needs. And preserving the dignity of the patient to name a few.
Who can benefit from home health care services? Home Health Care is a program designed to assist the patient who is convalescing from an illness or disability, surgery, or who has had an accident or trauma. Under the care of the patients physician, can provide: Skilled Nursing RNs, LVNs
Home Health Aides Under arrangement and referral can provide: Physical Therapy, Occupational Therapy, Nutritional Services, Social Services, Speech Therapy, Medical Equipment e.g. wheelchairs, Canes, Walkers, Hospital Beds. Infusion Medications and supplies, Laboratory Tests, Portable Chest X-rays, & Inhalation Therapy and supplies.
Am I eligible to receive Home Health Care Services under the Medicaid Benefit? To Qualify:
Need intermittent care or instruction
Be Homebound Requiring assistance to leave home
Require services of a skilled healthcare professional
Must be under the care of a Physician who will provide the agency with orders.
How will I pay for the services?
Approved services are 100% covered by Medicare and Medicaid.Patients may be covered under insurance policies or private pay.
Scroll down for the following definitions
Activities of Daily Living (ADL's)
Adult Protective Services (APS)
Board and Care Home
Companion or Personal Care
Continuing Care Retirement Community
Home Care (Non-Medical)
Home Health Care (Medical Care)
...describes a site, building, facility or portion thereof that complies with ADA Accessibility Guidelines ADAAG - Sections 1-4 of The Americans with Disabilities Act.
ADA Compliance is required in commercial construction. However, in residential use, experts know from experience how to interpret these codes and use them as a guideline. Design That Works has over thirty years of experience in various areas of construction, twenty eight years of hands on caregiving, with ten years of Universal and Accessible Design, consulting and lecturing on the proper use and application of ADA compliant codes and adaptive products.
Customized design equipped with specific adaptive products can act as an insurance policy to guarantee that individuals with health and mobility issues can remain in their homes as they age.
Accessible Design is essential for the safety of children and adults with disabilities for the reason that it promotes independence, safety, and ease of use, while implementing Barrier Free Home Modifications to improve their lifestyles and the lifestyles of those who care for them.
To prepare for our aging populace The National Association of Home Builders implemented a certification program for architects, designers, consultants, builders and remodelers, to teach home modifications and salesmanship techniques for the aging market. "CAPS" Certified Aging in Place Specialist and "ILS" Independent Living Specialist, from the National Family Caregivers Association.
Activities of Daily Living (ADL's)
The ordinary things we do in just caring for the basic needs of our body are called the activities of daily living. Think of what you do from the moment you wake up in the morning. You will stand up from your bed and walk to the bathroom. That's an activitiy of daily living called transferring. You may use the toilet. You might take a bath or shower. After toweling off you will groom yourself by combing hair, brushing teeth, shaving, etc. Then you get dressed and put on socks and shoes. You may then ambulate (the word for the ADL of walking) to the kitchen to feed yourself. The Activities of Daily Living, when compromised by fraility, ill health, or cognitive deficits will signal the need of special caretaking for the person.
Adult Protective Services (APS)
Social services provided to abused, neglected, or exploited older and/or disabled adults. APS is typically administered by local or state health, aging, or regulatory departments and includes a multi-disciplinary approach to helping victims of elder abuse. Services range from investigation of mistreatment to legal intervention in the form of court orders or surrogate decision makers such as a legal guardian.
Many states provide adult protective services to older adults only, such as the case in Ohio where the APS law applies to those 60 and older. Other states provide adult protective services to anyone over the age of 18. APS is intended to assist vulnerable adults such as those with disabilities due to aging, health related issues, or dementia.
Forms of abuse include physical, emotional, verbal, and sexual abuse. Exploitation can be either financial or material in nature. Neglect can be perpetrated by any caregiver who has accepted the responsibility of assisting an older or disabled adult. Additionally, many states include self-neglect in their definition of those needing adult protective services. Self-neglect involves an individual's inability to care for themselves due to physical or cognitive deficits.
Often referred to by a variety of names that universally confuse most families include Residential Care, Personal Care, Retirement Community, Board and Care, Adult and Elder Care Homes. They may exist as freestanding facilities or as a component of a Retirement Community with multiple levels of care. Popular in demand hybrid versions combine Assisted Living with Nursing Care and Assisted Living with Alzheimer's care. Dual levels of care in same location serve to accommodate an individual's declining health needs or that of a spouse's to help minimize need for relocating.
Assisted Living is designed for seniors that require some assistance with activities of daily living and wish to live as independently as possible. Assisted living is appropriate for someone who is too frail to live at home or in an independent setting but does not need skilled nursing care. Equally baffling as the name problem is the inconsistent combination of personalized care, supportive services, and health-related services offered among homes throughout the country. Most facilities provide personal care assistance with bathing, dressing, grooming, hygiene, ambulating and medications. Meals, transportation, laundry, and housekeeping are provided along with twenty-four hour supportive service and supervision. The varied amount of specific health care services should be closely evaluated in order to accommodate your loved one's current and changing needs.
Assisted living facilities are not fully regulated by the federal government and each state sets their own licensing requirements, regulations and inspection procedures. Due to this lack of a national inspection reporting system, it is necessary to tap in to some lesser known resources with a lot more diligence. JCAHO (Joint Commission on Accreditation of Healthcare Organizations) and CARF (Commission on Accreditation of Rehabilitation Facilities) are two of the primary accreditation organizations.
Tour the homes, talk with residents and staff and have lunch. Request to meet with the Director of Nursing to discuss his or her philosophy of care which is often reflected throughout the facility. Go back and visit unannounced in evening when families are visiting and encourage their comments about care.
Most residents privately pay the cost for care from their own financial resources. They sign a residency agreement as they would when renting an apartment and likewise the rent varies according to size and location of living quarters, as well as amenities and services available. Cutting costs for assisted living rent is sometimes as simple as choosing a 3 star moderate hotel room versus s 5 star deluxe room with a view. Consider sharing a room to reduce costs or perhaps moving away from the high rent district. Several long-term care insurance plans and some State Medicaid programs may also reimburse a certain amount of these health services provided. Learn more about the cost for Assisted Living and strategies to make Assisted Living affordable.
Residents living in Continuing Care Retirement Communities (CCRC) can take advantage of a full range of care and services available as his or her health needs change without having to relocate. Residents usually begin in an independent living residence, transfer to assisted living, and if declining health dictates, move to an onsite intermediate or skilled nursing care facility. Many seniors feel secure in having a contractual arrangement with a CCRC for long-term care that covers the extensive and burdensome cost of nursing home care. Some communities offer residents with Alzheimer's disease specialized programs adapting to their changing needs.
As in the assisted living concept of care, services are tailored to an individual's needs and typically include meals, housekeeping, transportation, and personal care assistance. Planned social, educational, and recreational activities are often available as with many senior housing and retirement homes. The key difference between CCRCs and assisted living is that a lifetime commitment exists to care for a resident regardless of changes in level of care or health needs.
Most communities emphasize preventive health care through encouraging regular immunizations, examinations, proper nutrition, social opportunities, exercise and physical therapy at convenient onsite locations. Better Continuing Care Communities use a multidisciplinary approach to coordinate the care of their residents with chronic or debilitating medical problems. Services may include primary health care, specialist's care, diagnostic testing facilities, counseling and social services that may be offered in an outpatient clinic, a skilled care facility, or in a resident's home.
CCRC settings range from expansive campuses to high rise apartment complexes. Housing choices vary widely including studio, one, two, and three, bedroom apartments, townhouses or even single family homes. Some CCRCs are confused with "hybrid" communities that have emerged over time and due to popular demand. It is common to find communities that combine Independent Living with Assisted Living or Assisted Living with Skilled Care. However keep in mind a true CCRC by definition provides all levels of care allowing for aging in place.
Some CCRCs elect to become accredited by the national Continuing Care Accreditation Commission (CCAC / CARF) which conducts voluntary extensive evaluations of facilities.
Residents commonly pay an entry or buy-in fee to join the community with monthly maintenance fees thereafter. These entrance fees may be sizable and vary considerably depending on the size and location of residences, whether for single individuals or married couples, and if renting or owning living space. Furthermore the type of additional services and amenities, and the level of financial risk for needing long-term care are determining factors in overall costs. There are three basic types of contracts and fees to consider that may require consultation with a financial planner and/or attorney to help determine which plan is best for you.
An extensive contract offers unlimited long-term nursing care with little or no significant increase in your usual monthly fees. This is the most expensive contract but may prove to be the most cost-effective later should skilled care be needed.
A modified contract includes a specified amount of health care or long-term nursing care beyond which additional fees are incurred that you are responsible for payment.
Companion or Personal Care
In-home care and companionship for seniors who are capable of independent living. Companions do not provide medical care. They may perform household chores such as cooking and cleaning, and/or transportation and errands.
Why and how to talk about stopping driving. (See the above suggestion that a personal care companion could be the driver.)
Too often, older drivers who are losing their ability to drive safely either don't recognize it or can't face the terrible thought of giving up the independence and control that comes with driving a car. Sometimes, loss of the ability to drive is a life-changing event, as the elder can no longer maintain himself at home without transportation.
Denial is a very common reaction to the early warning signs of an older driver who is becoming dangerous. This denial can occur both among the elderly, who may get frantic at the idea of this privilege being taken from them, and among their adult children, who don't want to have to deal with the consequences of Mom or Dad becoming a burden when it comes to transportation.
So make sure you start the driving conversation with your parent when the parent is still safe to drive. You both know that, it would devastate everyone for an accident to happen. So your parent to think about what would happen if /he she could not drive.
Adult kids' support and action can keep us all safer. We've heard, "Yes, my Dad, 89, is still driving, but he only goes to the store." "Only going to the store" is no protection against unsafe driving.
Yes, every person ages differently, and some folks do much better than others of the same age. No state wants to set an age limit on how long we can exercise our driving privileges. However, it's normal to have decreased vision, hearing loss and loss of flexibility in the joints as we get older. (That reduced flexibility could mean that you can't turn your neck to see the car in your blind spot.) We're even more likely to suffer such driving impairments as we pass 85 years of age. Only teenagers have a higher accident rate than seniors in this age group. So if your aging parent won't bring up the question of when it might be time to stop, you need to do it before he or she turns 85.
If your parent suffers dementia, the conversation must start much sooner. If a parent has memory loss, might have dementia, or has a diagnosis of dementia, family members need to ask the treating doctor how far into dementia that parent has gone. Objective testing can provide some good information. But a general rule of thumb is that about a year or two into Alzheimer's disease, the elder should not be driving. Children's involvement is critical because often the person with dementia can't tell how impaired she is. That's because dementia can knock out the intellectual ability to understand that.