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Updates on Technology
Renovating a Condo for Aging in Place
Talking to Your Aging Parents
Product Spotlight: Non Skid Stair Strips
Low Cost Modifications for Aging in Place

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For Boomers & Their Aging Parents

Updates on Technology

   There’s so much new technology in the marketplace aimed at the aging in place market that’s it’s difficult to keep up.  Every few months though,  I spend time researching some of the newest software and gadgets that have recently made their debut - specifically those designed to help seniors living on their own and their remote caregivers keep in touch.     

   
 Not surprisingly there has been a growing number of applications available for use with smartphones and tablets.  Here are a couple:

SwannView video monitoring systemSwannView is a video monitoring solution that works on virtually any Smartphone or Tablet without the need for a computer or webcam.  The Swann Security kit (cost: $449) includes four color cameras and a digital video recorder to record up to 30 days of video from all four cameras simultaneously.  SwannView works over wi-fi or cellular connectivity on an Android, iPhone, BlackBerry or any Windows device so you can remotely log in to see a live, real time view.  The cameras are easily mountable and have an infrared LED night vision feature that allows you to see up to 65 feet in the dark.  You can set this kit up to send you an email if the cameras detect motion. 

The iCam app for iPhone, iPad or iPod touch (cost: $4.99) allows you to monitor multiple live video and audio feeds over Wi-Fi or cellular connectivity.   With a computer and a webcam, you can visually check- in to make sure all is well.  You can also set up the app to notify you when motion is detected. 












   
 

   Many seniors who live independently often use a medical alert system to get help in an emergency such as falling. The problem is that in the past, the majority of these systems only worked within range of a home based receiving system. When a person was out of their home, they no longer had on-the-go access to emergency assistance.  


   Today’s fall detection devices include fall detection that works away from home and allows other family members to monitor the whereabouts of the wearer using GPS tracking. ActiveCare’s Personal Assistance Link (PAL) is a handset offering a range of features to assist people who want to continue living independently.  The device, which connects via a cellular network, includes a one-click help button to call for 24/7 assistance, a built in fall detector that’s monitored remotely, and GPS.  The PAL offers one touch communication to Care Specialists from anywhere at anytime.  It  looks like a cell phone but is easier to operate with large buttons and quick one-touch access to family and the 24/7 Care Center.   (Cost:$180 activation fee, $60/month service charge)   



Breadcrumb BC 300 tracking GPS DeviceThe Alzheimer’s Foundation of American  along with Breadcrumb LLC recently announced a state of the art locater device and caregiver-friendly monitoring system. This innovative new tracking device – BC 300 GPS Device – is designed specifically for the dementia population and aimed at immediately and precisely pinpointing a person’s whereabouts.  .The BC300 system works by setting up a virtual fence around a person’s residence and/or other locations, such as a relative’s home or an adult day care center, and sends an alert when the wearer leaves that zone.  As one of the smallest, most lightweight tracking devices on the market, the BC300 is strapped around a person’s ankle with a heavy duty band. Designed with the symptoms of dementia in mind, including memory loss, confusion and other cognitive loss, the device is not dependent on the user’s activation. Caregivers can access the wearer’s real time location 24/7 on a Google map via computer or smartphone. In the event the person wearing the locating device leaves a designated safety zone, an alert is sent to the Breadcrumb Customer Care Center--as well as up to five caregivers and if necessary, the proper authorities are contacted .  (Cost: $190, $38/mo service charge)

As more and more families are caring for older relatives, the need for better ways to share sensitive health information has become obvious.  There's many types of information to track, for eg. emergency contacts, details about care-related services or treatments, legal and financial documents,  all of which family members in multiple locations may need access to.  

This past week, CareZone, launched it's new site offering a way to share and manage information associated with caring for another individual. You set up a profile about the person receiving care, list their current medications, sketch out to do lists, add any relevant contacts, share notes and upload files. As the creator of a profile you can give others access which you can also revoke at any time. You might give access to family members who share caregiving responsibilities, professional caregivers or medical staff. The company plans to charge $5/month or $48/yr for each person for whom care is provided.  As an introductory offer you can sign up for free until March 15th. 



Susan Luxenberg
President
HomeSmart LLC




 











Renovating a Condo for Aging in Place

   For those who live in condos and are looking to make aging-in-place renovations, there are special considerations to be taken into account when planning a project.

   For any renovation that would require a permit, the condo association must grant approval.  The documentation required for review varies according to each association, but usually includes a description of your project, associated drawings or plans, and information on your contractor, including certificates of insurance.

  Your first step then is to find out about the approval process either through the condo association directly or via the management company of the building.  They not only can supply you with a list of submittals required and rules for renovation, but also the dates when the association meets for plan review. 

   From my experience, the most stringent requirements imposed by condo associations have to do with restricted work hours.  Their biggest concern is that your neighbors are not inconvenienced by the work being done in your home.  Many condo associations also impose additional restrictions on the contractor, such as what entrance and elevators can be used, where parking is allowed, procedures for debris removal, areas for material storage, etc.  Make sure you give this information to any contractor pricing your job.  It’s important they understand the restrictions so as to be able to set up an orderly approach (and realistic costs) for your renovation. 

   It makes common sense that it may be difficult to obtain approval for any structural changes to your condo considering that your condo is only one unit tied to the structure of an entire building.  Often there are hidden utilities behind walls and over ceilings that feed other units.   Even if approved, structural changes may be prohibitive when compared to similar renovations to a single family home. 

   Keep in mind that each association is different in their requirements so do not rely on assumptions from a contractor or be intimated by stories from friends living in other locations.

   And while it may seem like an additional burden and a frustrating delay to have to go through your association’s approval process, if you understand an association’s requirements before committing to a remodeling project, you’ll save yourself both time and money in the long run.


  Susan Luxenberg
  President
  HomeSmart LLC

 
 

Talking to Your Aging Parents

   Many of us are facing the similar issue of getting our aging parent(s) to acknowledge that they need some help in their home.  More often than not it’s a frustrating “locking of horns” as we try to persuade our parent that it is no longer safe or feasible for them to live without assistance, whether it’s help with cleaning and cooking, bill paying, driving, or any of the normal activities of daily living.  
 
   The difficulty starts in even knowing how to approach the subject, let alone meeting all their ready objections.  Denial and control are the key elements here, so the objections are multiple and range from “I’m don’t need any help” to “I don’t want to spend the money.”  I’ve had seniors who have been hospitalized for falling, tell me that they know for certain they will not fall again and therefore do not need non-slip flooring or grab bars.  They simply will be more careful.  
 
   Recently I spoke with a daughter, who lives in California, about installing some additional safety aides for her father, a 99 yr old living in Florida.  Her dad had been hospitalized three or four times in the past year for falling and yet refused to use a walker or allow grab bars to be installed in his home. As she explained to me, “If there was nothing to help him, that’s one thing.  But I’m starting to resent having to drop everything to jump on a plane and fly cross country to the hospital when there are options that would help prevent his falls.”  
   
   My sister, brother, and I have had numerous conversations about the best way to broach the topic with our own parents.  We’ve debated whether, out of respect we should only gently press an issue or, out of concern we should push forward to do what needs to be done.  I’ve had similar discussions with the adult kids of my clients.  At some point or another, everyone struggles with how long to beat around the bush before taking control and forcing a solution.  
  
   I’ve spoken to case managers, clinical social workers, psychologists and gerontologists for some expert guidance in this matter.  Their compounded wisdom suggests we consider the following when trying to help our aging parents:

First, don’t barge in and dictate that which you think needs to be done.  Find a quiet time to talk with your parent and explain why you are concerned. Encourage their response, stay open minded, and listen carefully.  

Make the conversation positive and emphasize that if they are proactive and act before there is a crisis, they stand a better chance of retaining control and  independence.

Find out how you can help them by understanding what options they might be considering and what their objectives are.

Do not push them to accept your assessment but rather give them sufficient time to form their own  conclusions.  

Be prepared to prioritize and negotiate the changes you believe need to be made.

Use trusted advisers or other family members for support.  Sometimes it just takes the right person or personality to allow for a dialogue without emotionality or defensiveness. 

Don’t just state the problem – help them find solutions.  Do some research in advance so that you know what resources and agencies are available in their community.   Obtain contact information, brochures, financial costs, etc. so that your conversation with your parents can be realistic.

   Most often there’s more than one way to handle any given situation.  Your parents may be far more ready to listen if you can present a variety of choices to them, allowing them to make the decision for their own well being.



Susan Luxenberg
President
HomeSmart LLC


 
 
 

Product Spotlight: Non Skid Stair Strips

   Handi-Treads ™non slip stair strips are an indoor/outdoor aluminum non slip surface designed to ensure safety and protection against stairway accidents and injuries.  They can be used on any material including wood, concrete, masonry or aluminum stairs, ramps, decks and marine surfaces.  Applications range from both interior and exterior steps and stairways to wood porches and ramps.  They are inexpensive, easy to install, and are a good solution for areas where water, ice, snow and sand can make walking slippery and dangerous.  The anti slip strip not only improves traction but also provides a visual and tactile cue to be careful and slow down. 

aluminum stair treads





   Handi-Treads™ cost approximately $10 - $20 each, depending on size.  Standard sizes are as follows, although custom sizes are available: 
  
 1.    1.875” X 30”   strips          
 2.    3.75” x 30”     stair treads
 3.    3.75” x 48”     stair treads   
 4.    2.75” x 12”     stair nosings


aluminum stair nosings









   Ten color choices include: silver, black, brown, red, bronze, yellow, green, blue, purple and gold. Colors are created through anodizing.

aluminum treadcolored non slip stair treads       










   These non skid strips are 100% aluminum, manufactured from an OSHA approved material and have been used on ADA compliant ramp surfaces for many years.  The aluminum never rusts and never requires additional maintenance. Handi-Treads™ come with a lifetime warranty for tread performance for homeowners.
  

   Susan Luxenberg
    President
   HomeSmart LLC

Low Cost Modifications for Aging in Place

   We know that people are reluctant to face their own aging limitations.  We also know that very often seniors are not willing to spend money to improve their own comfort in their homes.  Taken together it’s quite a challenge to get an aging senior to make needed changes for safety and convenience.   

   Many who plan on aging in place are simply not interested in remodeling their homes no matter how much more comfortable they’d be.  They would rather live with a barrier, or put together some temporary “fix”, than pay to solve the problem.  I’ve lost count as to how many bathrooms I’ve walked into where a standard folding chair is balanced half in and half out of the bathtub, its purpose to aid someone no longer able to step into the tub to take a shower.  Needless to say, a precariously balanced metal folding chair is not an appropriate (or safe) solution.   

   So if we’re to convince these seniors to make some changes for their own good, we need to start small, with modifications that can be accomplished quickly, without major disruption, and relatively inexpensively.  

   Let’s start with the bathroom since it’s the place in the home where most falls occur.

 1.  Add a seat to the shower or tub
 2.  Replace a stationary shower head with a hand held one
 3.  Create non-slip tiles throughout bathroom and shower/tub by applying non-skid 
    coatings readily available in tile stores
 4.  Install higher watt bulbs in fixtures to improve vision
 5.  Add grab bars to shower, tub, and toilet areas; colored grab bars are available if 
    needed to increase visibility
 6.  Remove scatter rugs 
 7.  Remove glass shower doors and replace with screw mount shower rod and shower 
    curtain
 8.  Replace door knob and faucet knobs with levered handles 
 9.  Replace door hinges with swing away hinges to increase doorway width
10.  Replace standard toilet with comfort height one making it easier to rise without loss of
    balance 

    Next is the kitchen where the goal is to eliminate stretching and bending as much as possible.

 1. Lower upper cabinet shelves where possible. Place dishes and often used items on an 
    easily reachable shelf
 2. Replace cabinet doorknobs with latches that open to the touch
 3. Increase lighting above the sink, stove and work areas
 4. Make sure there is a heat resistant surface adjacent to stove, oven and microwave to 
     place hot pots and dishes 
 5. Adjust refrigerator shelves so the lighter foods are placed on top, heavier ones at 
     waist level
 6.  Install single lever faucet at kitchen sink
 7 . Coat ceramic floor tiles with non-skid coatings
 8.  Remove or tape down throw rugs 
 9.  Place microwave on counter for easy access 
 10. Install pull out drawers and pop up shelves in bottom cabinets for heavier appliances, 
      eg. mixer 
 11. Make sure all appliances are working properly and controls are easy to read and/or 
      marked
 12. Store food in closed plastic containers for ease of selecting and carrying

     Other areas of the house. 

 1.  Install low profile thresholds or “ramps” wherever threshold exceeds ½”
 2. Install railings at any step, on both sides of stairs,  and along hallways
 3. Increase stair lighting 
 4. Install non-skid stair treads, especially to exterior stairs 


   What I’ve found with my own clients is that getting someone to accept the need to modify their home is a process that moves from denial, to reluctant acceptance, to reliance on the improvement.  Once we’re able to convince a senior that the modification is necessary, they ultimately come to realize how it benefits their life.  It’s a struggle, but it’s worth it.    


  Susan Luxenberg
  President
  HomeSmart LLC

Getting Help with Assistive Technology

    
    I think most people would agree that making a home safe and comfortable can allow an individual to remain at home and retain independence as they age and their abilities change.  Even the smallest renovation can change the life of someone with a disability and mean the difference between comfort and discomfort in one’s own home.  Grab bars, stairway railings, lever door handles, non-slip coatings to flooring, and threshold ramps are low cost modifications that greatly improve safety.  More extensive modifications may include widening doorways, installing elevators, stair and porch lifts, replacing tubs with walk-in showers, lowering counters and cabinets, and increasing lighting.

   Keeping someone independent, however, often extends beyond making physical changes to a home.  It's not uncommon that additional resources are required both in services and equipment.  Assistive Technology devices are a group of products that improve a person’s ability to live and function independently.  These products can be as simple as a cane or a weekly pill organizer, or as sophisticated as a voice-activated computer system or sensor. 

   In fact, the area of assistive technology has grown so quickly and there are so many products and devices available to meet every need, that it can be very confusing to the uninitiated.   

Categories of Assistive Technology Devices:

Independent Living Aids.  These products help people perform activities of daily living, such as bathing, dressing, and preparing meals.  They include everything from reaching tools and jar openers, to shower seats, bed rails, night lights and easy to read alarm clocks,  low vision aids and low hearing aids, neck pillows, back pillows, bluetooth devices -- the list is endless.

Medication Aids.  Pill organizers (from the simplest to the most high tech), timers and pill crushers.

Mobility Aids.  Canes, walkers, scooters and wheelchairs, both manual and electric.  Walkers improve stability and should be tested to ensure they are sturdy, lightweight, at the correct height for the individual, and can be moved easily. Manual wheelchairs require some arm strength or leg strength and skill to move the chair while electric wheelchairs are useful for those who can move around on their own but lack the strength to wheel themselves. Scooters are useful for those who can walk very short distances and get around by themselves.

Technology.  Advances in computer and phone technology have greatly helped seniors to live independently while maintaining connection to family, friends and support services.  There are modified phones with large buttons, headsets, speakerphone capabilities or visual displays.  Updated computer technology includes voice recognition software and modified keyboards.  There is also simplified equipment that allows for email, photos and other documents without having to use a computer.  

Crisis Monitoring.   Personal emergency response systems (PERS) call the appropriate contacts and emergency services when a monitor center is alerted via an emergency button worn as a pendant, bracelet or belt.  Occupancy monitors use pressure sensitive pads that activate when someone moves to get up.  Webcams and other sophisticated computerized systems allow for long distance monitoring for distant family members. 

   Most of these products are available at drug stores or medical supply stores and you also can easily browse online for products.  And while some assistive devices are paid for by Medicaire, ie walkers, wheelchairs and scooters if prescribed by a physician when determined to be medically necessary, most are not.  If you are looking for funding you’ll need to check Medicaid waiver programs, health insurance, the Department of Veteran Affairs and some public service organization like United Way and Easter Seals. 

    If you are uncertain exactly what products or equipment to choose, there are a few agencies which keep a complete list of assistive technology devices and can help you determine which is right for your particular circumstance.  In addition to the national programs, every state has a State technology assistance project that has information about assistive technology, financial assistance to purchase equipment, and loan programs.   ABLEDATA  can connect you with someone in your state.

For more information, you can contact:

ABLEDATA      800 - 227 - 0216 

 
 


    Susan Luxenberg
    President
    HomeSmart LLC
     

 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Product Spotlight: Compact Kitchens

  With so many people downsizing as they age and their lifestyles change, I’m  interested in finding new products designed for smaller spaces, particularly kitchens.  The last time I built a really small kitchen was for a studio apartment and the configuration wound up being nothing more than a few cabinets lined up against a short wall with a stove on one end and refrigerator on the other - definitely pretty standard and boring. The updated version of a studio kitchen or kitchenette, the compact  kitchen, has opened the door to more interesting small space design. The compact kitchen is a space saving combination appliance/cooking center that is specifically designed for the home, but for a far more casual lifestyle. Take a look at some of the new compact kitchens being offered on the market today. 

  Kitchoo, a French company, has designed compact kitchens that provide all the functionality expected from a kitchen in the least space possible. Most models incorporate an integrated fridge-freezer, an induction hob with 2 rings, and a telescopic mixer tap, while optional extras include integrated dishwasher, microwave oven, washing machine, recycling bin and cutlery rack, depending on the model.   Kitchoo compact kitchens are sophisticated, well-equipped and extremely practical. The five designs, including the award-winning K1 kitchen, can be hidden away behind closed doors when not in use and look like any other cupboard or dresser that you might find at home.  Right now Kitchoo is only sold in the UK, Switzerland and throughout Europe with future plans to distribute in the United States.  Current pricing is about 5390 euros ($ 6,978) for the K1 kitchen to about 6800 euros ($8,805) for the larger K2 kitchen version.  Keep in mind installation is extra.
 
Kitchoo K1  Compact Kitchen

Kitchoo K1 compact kitchen  
Kitchoo K1 compact kitchen   



















Kitchoo K2 Compact Kitchen

Kitchoo K2 compact kitchen







Kitchoo K2 features
Kitchoo K2 optional microwave










  If you’re looking for something that makes a strong style statement, how about the 
CircleKitchen ? Designed by Compact Concepts, this kitchen furniture manages to handle space problems in a highly functional and stylish manner, although the unit only measures about 6 sq ft.  It features all the characteristics of a usual kitchen.  Integrated with the ability to rotate as much as 180 degrees, the Circle Kitchen provides  everything from a regular sink, to dishes, a microwave and even a dishwasher. Pricing is between $6,500 and $15,000 plus installation costs.

Styles range from the sleek and modern basic circle

circle kitchen
 












To a more subdued look with additional cabinetry



















  There are also more traditional (and less costly) compact kitchens being offered. Acme Kitchens specializes  in a full line of custom made all-in-one built ins designed around your specifications.  

custom designed kitchenette
Here is a 60” electric compact kitchen with built-in oven. This model provides additional base storage space and allows for use of a separate upright refrigerator.  It includes a 20 gauge stainless steel counter top, sink bowl, single lever faucet, sink strainer, four (4) electric burner elements and a 24" wide electric oven with black glass door and convection bake feature. Many options are possible; you may substitute a gas burner cooktop, include a dishwasher and alter the appearance by choosing a custom color, counter top and door finish.



And another Acme kitchenette design

Acme kitchenette design





 













   Compact Kitchens offers units ranging in 4 sizes: 30”, 39”, 48”, and 60” which are priced from $899 to $1,499 plus shipping and installation.  Their 
60" wide (c-60) model features the sink on the right, two 110 volt electric sealed burners, and two generous storage com-apartments. Refrigerator freezer is off center in middle. Dimensions are 59.5" Wide X 38" Tall X 24" Deep.   

Compact Kitchens in 30











  With the current trend towards downsizing, innovative space-saving designs for the home are more important than ever. And as added bonus, installation of these kitchen units is much easier and less costly than installing the components of a more traditional kitchen.   Are these units going to be suitable for everyone?  Certainly not, but when looking to conserve space while at the same time enhancing design, the new compact kitchens are worth a second look. 


  Susan Luxenberg
  President
  HomeSmart LLC


Home for the Holidays

 It’s holiday time which means that you may be either visiting or being visited by your parents.  This is a perfect time to assess your parents’ safety and comfort whether in your home or theirs. 

I recently gave a presentation at a senior complex and spoke about safety concerns that could be found in almost every home.  That triggered a lively conversation about the problems these seniors encountered when visiting their kids:  no grab bars in the bathroom, slippery shower and tub floors, no place to sit down when showering, steps that were not clearly delineate, stairs without handrails, or poorly lit hallways or staircases.  Most of those I spoke with said that they were reluctant to ask their adult kids to make any permanent changes to their own homes or install any special equipment, etc.  I’ve no doubt that if their kids thought about it, they would be happy to provide their aging parents with safer, more comfortable surroundings.  And truthfully these modifications would benefit everyone in the home. 

So here’s a simple list.  None of these items are costly and all can be done quickly:

 1.    Reduce tripping hazards by removing books, shoes, laundry, and toys from stairs; ensure there are clear pathways through all rooms 
 2.    Install handrails on stairs and steps; bright colored tape can be applied at the edge of steps and stairs to delineate floor level changes.
 3.    Increase the lighting at the top and bottom of the stairs; put bright lights over all porches and walkways
 4.   Store frequently used items in easy-to-reach places so that using a step stool or chair is not necessary.
 5.    Small throw rugs are a hazard.  Either remove them completely or tape them to the floor with double stick tape.
 6.    Have night lights in the bedroom, hallways and bathrooms.
 7.    Apply non-slip strips or non-slip coatings in bathtubs and showers 
 8.    Install grab bars in showers and tubs 
 9.    Purchase an inexpensive shower bench or chair which can be taken in and out of the tub or shower as required.   

 After all, an injury from a fall is one the biggest dangers the over-65 population faces and one that often results in a loss of independence.  Implementing the safety measures mentioned above can substantially reduce the chance of injury to your parents and allow for a safer holiday season for all.

Happy Holidays!


Susan Luxenberg
President
HomeSmart LLC

Meaningful Ways to Age in Place

While the goal for many of us is to age gracefully in our own homes, there is far more to staying in your home than physically adapting the home itself.  We know the importance of socialization to remaining emotionally healthy as we age. We know that continuing to challenge ourselves mentally helps to forestall senility and other forms of mental illness. And we all want to remain independent, vibrant, relevant individuals for as long as we can. 

 I recently read an article entitled, Elders a (Labor) Force for Social Change, written by Marc Freedman in which he explores meaningful ways to turn retirees into what he calls “a new workforce for social change.“  I think it’s quite appropriate to the topic of successfully aging in place.  


Elders a (Labor) Force for Social Change
By Marc Freedman  

We’re a nation that will soon have more older people than young ones, and much of the popular media portrays this as a disaster story that goes something like this: Tens of millions of people, the single biggest group in society and a mighty political force, are about to dominate the scene. Overnight at age 60, they will become the elderly, pass out of the “working-age population,” become incompetent and incontinent, bankrupt the health care system, and vote for hefty increases in public spending on their retirement at the expense of everyone else.

We’ve stretched the average life span from 47 years in 1900 to nearly 80 today. But our imagination about the shape of those longer lives has lagged behind. Until not long ago, the 50s and 60s meant retirement, grandparenthood, senior discounts, and early-bird specials. Today there is a growing group of what I call “neither-nors.” Neither young nor old, neither ready to be retired nor able to afford it.

With big thinking, there is a chance to tap the talents and experience of the “baby boom” generation to solve longstanding social problems, from health care to homelessness, education to the environment. There is a chance to turn an older population into a new workforce for social change. 

Some people, like Gary Maxworthy, are leading the way. As an idealistic young man, Maxworthy wanted to heed JFK’s call to service, but he already had a family to support. Instead of joining the Peace Corps, he launched a career in the food-distribution business, where he worked for more than 30 years. 

As Maxworthy approached 60, his wife’s passing sent him into a period of soul-searching. He thought a lot about his old Peace Corps dream and the prospect of returning to it. In the end, he chose a more manageable domestic option, VISTA, part of the AmeriCorps national service program. 

VISTA placed Maxworthy at the San Francisco Food Bank, where he discovered that—like food banks throughout the state of California—it was primarily giving out canned and processed food. It was all they could reliably deliver without food spoiling. 

Maxworthy knew that California farmers were discarding tons of blemished but wholesome fruits and vegetables that were not up to supermarket standards. He launched Farm to Family, a program that in 2010 distributed more than 100 million pounds of fresh food to needy families in California. 

Without question Maxworthy would have done a lot of good as a 22-year-old Peace Corps volunteer. But would he have been able to do something comparable to developing a system to distribute 100 million pounds of food to hungry people every year? 

Never before have so many people, like Maxworthy, had so much life experience and the time and the capacity to do something significant with it. That’s the gift of longevity, the great potential payoff from all the progress we’ve made in extending lives.

But we won’t collect this experience dividend if we don’t move to recognize a new stage of life and create the kind of support people need to transition from the end of midlife to the beginning of their encore years. We need innovation

How about inventing a gap year for grown-ups, a time when they could take a break, volunteer at home or abroad, or try a new career direction? A gap year—perhaps financed by a new tax-exempt savings vehicle we could call the Individual Purpose Account— could be a source of renewal for those embarking on a new career chapter. 

What about midlife fellowships for those seeking roles that combine purpose with a paycheck? And why stop there: Let’s rethink our entire education system. Why cram so much learning into our teens and early 20s when we may want to move in a whole new direction in our 50s, 60s, and 70s?

By capitalizing on the unique assets of this vast population, we can make something extraordinary out of what so many think of as the leftover years. The right public policies could even provide new chances for social mobility. Today’s boomers are the first wave passing into this new period, which will soon be occupied by their longer-living children and grandchildren. In crafting our society to respond, we’ll open up options for younger people, who could then make life decisions with the expectation of more than one bite of the apple. 

We all have a stake in this project. It’s our chance to turn the purported paradox of longevity—good for individuals, terrible for society —into a vast payoff for all generations, today and tomorrow.   


Marc Freedman is founder and CEO of Civic Ventures (encore.org).  This article is adapted and excerpted forNew Livelihoods”, the Fall 2011 issue ofYES! Magazine, from his book The Big Shift: Navigating the New Stage Beyond Midlife (PublicAffairs, 2011)


Susan Luxenberg
President
HomeSmart LLC
          

V.A. Housing Grants for Veterans

The question frequently comes up as to how to pay for accessibility modifications, especially more major ones like a fully adapted bathroom or kitchen.   Unfortunately, other than long term care insurance and personal savings there’s little out there today to help defray the cost of renovating a home in order to create a barrier free environment.

There is, however, money available for Veterans.  Veterans or service members who have specific service-connected disabilities may be entitled to a grant from the Department of Veterans Affairs (VA) for the purpose of constructing a barrier free home or modifying an existing home to meet their special needs. 

The Specially Adapted Housing Grant (SAH), or a 2010(a) grant, is intended for disabled veterans.  The goal of the SAH Program is to provide a living environment that affords the veterans or service members a level of independent living he or she may not normally enjoy.  
The grant is meant to offset the cost of specially adapted housing and offers up to half of the cost of the purchase, construction, or renovation of the house to a maximum amount of $50,000.  If the maximum grant is not used all at once, a second grant can be obtained for future adaptive modifications.  For example, if the total cost of adapting a home is $80,000, the maximum grant would be for 50% of the $80,000 or $40,000.  The veteran could, at a later date, claim another grant of $10,000 for the repair of the adaptations done originally, or for the installation of additional adaptations, or towards the purchase, construction, or adaptation of another home.

According to VA requirements, those eligible for the grant are those entitled to or currently receiving VA compensation for what the Department of Veteran Affairs defines as permanent and total service connected disability.  Eligibility must first be determined before an application for the Grant can be made.  Some of the requirements in determining eligibility include:
1.     It must be medically feasible for the veteran or service member to reside in the 
        house.
2.     The house must be adapted to be suitable to the veteran’s needs for living purposes.
3.     It must be financially feasible for the veteran to acquire the house with the 
        assistance provided by the Grant.

The types of adaptations covered include ramps, lifts, widened doorways and hallways, expanding garages and carports to allow for wheelchair maneuverability, accessible bathrooms, adjusting placement of wall switches and electrical outlets, windows that are operable from a wheelchair, automatically operated entry and garage doors, kitchen adaptations, modifying exterior walkways and entrances.

The following are pictures of projects completed under the SAH grant program.


         Modified Kitchen with new cabinets,
          counters, flooring and window




  





      Fully adapted bathroom









Carport addition







The Special Housing Adaptations (SHA) program, or 2101(b) grant, provides the actual cost to the veteran of certain adaptations and/or equipment, not to exceed a maximum grant of $10,000. The home to be adapted must be owned by the veteran or by a member of the veteran's family, and the veteran must intend to continue residing there.

Types of renovations covered depend on the specific disability and include special lighting, sliding doors, handrails, grab bars, smoke detectors, security systems, exterior doors and locks, concrete or asphalt walkways, fencing,  porches, awnings, additional electrical, lever faucets, lowered cabinets, rocker light switches and other adaptations with the approval of the VA.

Here are a couple of pictures of projects completed under the SHA program.

                                                  

 Bermed walkway and front porch
            








 
                                                  Enlarged doorway and pocket door








The Temporary Residence Adaptations (TRA) program provides adaptation assistance to veterans who are residing, but do not intend to permanently reside, in the a residence owned by a family member. If a veteran is otherwise eligible for SAH, the assistance is limited to $14,000. If a veteran is otherwise eligible for SHA, the assistance is limited to $2,000.

SAH and SHA grants may be used up to three times, as long as the aggregate grant amount does not exceed the statutory dollar limitation. TRA grants may only be used once (and count as a grant usage for purposes of the limit of three), and the amount of assistance provided will be subtracted from the veteran's available statutory maximum.
 
For more information or to apply for a Specially Adapted Housing Grant:    http://www.benefits.va.gov/homeloans/sah.asp


  Susan Luxenberg
  President
  HomeSmart LLC
 
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