Seniors We Love

This episode is created and produced by the Seniors We Love interns. It’s an interview with 3 high school seniors about how they would deal with certain situations as their parents age. 

Their discussion includes hypotheticals as well as real concerns that they will face as their parents age with topics ranging from discussing how they would tell their parent that it is no longer safe for them to drive anymore, dealing with future housing issues and even how they would respond if the younger of their parents passed on first. 

It’s hard to describe in words the process of aging and how it affects people. On one hand people know it’s inevitable and just a natural process of life, but on the other hand it’s still something people don’t really want to talk about at any point of their lives. You most likely don’t want your loved ones worrying about you, but the irony of it is that you will eventually find yourself worrying for those around you.

This is the continuation of the Life of Andrew Pappas, living in the US and life in his senior years.  Doing things he loved and surrounded by people who really cared about him.

The podcast is hosted by Debbie DeChambeau and supported by Lynn Michel Insurance.

What happens when you put a Greek with a German? It becomes a long lasting love relationship, truly one of those 'till death do us part' stories.

Andrew Pappas left his home in Greece at 14 and like many immigrants, didn't have an easy life. In this episode we learn about those precious years and the wonderful things Andrew brought to this country and to his family.

Dealing with health care directives, nursing home decisions, powers of attorney and other issues that caregivers and children must also deal with for their parents is complicated, Add to the confusion of basic care and trying to live your own life and the stress can be enormous.

In this episode we are talking with Paula Mattson Sarli. She’s an estate planning and elder law attorney MD and DC. 

Topics We Discuss :

• Difference between an estate planning attorney and an elder law attorney
• Health care decisions
• • How to pay for care
  • Health Care Advanced Directives
  • • Living Will
    • MOLST forms (MOLST.org)
• How to stay independent longer
• Avoiding guardianship
• Medicare vs. Medicaid
• Communicating with family so they know your wishes
• Daily Money Manager
• Types of Powers of Attorney
• How to find an elder law attorney in your state: - review the attorney’s website to ensure that elderlaw  is their primary focus, 
• • National Association of Elder Law Attorneys (NAELA.org)
  • Elder Council
  • Ask for a referral from your Health Care Providers or Financial Advisor

To learn more, go to seniorswelove.com.

EP 7 - This is a podcast about what happens with seniors, from caring to financial issues, behaviors to independence and everything in between.

In this episode, you’ll get insights on why you need to be with your senior while they are in the hospital. These are specific items that happened to me while my mom in to the hospital 6 times within 3 months. 

My mom was probably one of the worse types of patients. Hopefully some of these items will never happen to you. You’ll have knowledge in the worst case scenario!

Top 10 Reasons why you need to be in the hospital with your loved ones!

1. Keep Them Covered
2. Stay In Bed 
3. Tissues
4. Notes
5. MRI
6. Chargers
7. Reminders
8. Remote Control
9. Cell Phones
10. Flight Risk

SPONSOR INFORMATION

Lynn Michel Insurance, LLC

If you know someone over 65 that is still working, this message is important for them. If they are on their employers plan, have them verify that it is credible coverage. They should get a letter every year with this verification so that when they decide to stop working or they no longer want the employers health insurance, they won’t be penalized by medicare for not having credible coverage.

Without this confirmation, the penalty can be substantial and expensive for someone in retirement. 

If you know someone turning 65 that is still working, have them contact Lynn Michel Insurance and discuss their options. There is no charge for the call. 

Lynnmichel.com

301996-2328

[email protected]

SOCIAL MEDIA FOR SENIORS WE LOVE

Connect with us on our social media platforms for Seniors We Love

• Facebook
• Instagram
• Twitter

ABOUT THE HOST

Debbie DeChambeau is a content creator, business and marketing strategies and professional insurance agent.

She has spent many years caring for family members from raising her neice and nephew, caring for her grandmother and caring for her parents (of which she had more than most people)

Her love for podcasting and for the insurance industry have her creating content that help seniors with their insurance decisions as well and caregivers understand what to expect in their new role.

She is a believer in continued education for her profession and earned the designations as a Certified Insurance Counselor and an Accredited Advisor of Insurance.  

She is the co-author of Renewable Referrals and hosts three other podcasts Business In Real Life and Divorce Exposed and Business of Insurance. 

Connect with Debbie on LinkedIn, Twitter or Instagram.  

From escorting Presidents to managing hospital stays, this episode is about one daughter who didn't really know her dad but did a lot to care for him as a senior. It makes for an interesting scenario and not one that is always heartwarming.

This story of the authors relationship with her biological dad and their life experiences is interesting and educational. There are many tips for helping others deal with their parents during some of the most challenging medical conditions. 

Depression, finances and medication are the focus of this episode with ideas and questions to ask your senior and their providers.

• Is depression an issue? Questions you can ask your senior and their providers
• How is your senior managing their finances and ideas for assisting before it's too late.
• Are you asking the right questions to providers for medication management?

None of this is easy but beginning the conversation and asking questions can begin a dialog that makes life easier for your senior.

Pay attention to these areas with your senior to help them have a more comfortable time in their golden years.

Learn more at Seniorswelove.com

Meet Merrill C. DeChambeau.

His middle name was Curtis, but he would just go by the C. and he always said C was for cautious. The more he said that, the more he chuckled at his own comment. He had a laugh that you don’t forget. It was from the belly and was truly memorable. Born in 1932, he was the middle child with two other brothers.

In 1950 he entered the Navy and was stationed in San Diego. He was deployed to Korea for most of his service and received an honorable discharge. He also received: 

• National Defense Service Medal
• United Nations Service Medal
• Good Conduct Medal
• Korean Ribbon (one star)

He was married to Lorraine whom he lost to alzheimers in 2003.

In 2010 he had a life changing event. One that must have been very difficult to conceive yet, the end result meant a new opportunity at life. Surrounded by people who cared and looked after him so that he didn't have to spend his senior years alone. 

Merrill C. DeChambeau 5/4/32 - 8/31/18

It's a good day when somebody tells you that you should be on radio!

When someone said this to me recently I asked why and she said my stories are interesting. 

Thank you to Lynn Michel Insurance for being our sponsor. From October 15 -December 7 of 2019, if you know someone on Medicare, it is their opportunity to review their coverage and see if it makes sense for them to make a change. If they are on original medicare, which is also known as part A and Part B, they probably also have part D which is their prescription coverage. This is something that they should look at every year because companies update their formularies (their list of drugs covered) and based on the updated lists, it’s good to review. As of the recording of this episode, the current Medicare.gov site does not break out the annual costs as it has done in the past. The website is scheduled to be updated to include this information but that hasn’t happened yet. An agent can do this for you. They can compare the plans and show you the options so that you can make an informed decision. Contact Lynn Michel at 301-996-2328 or go to their website, lynnmichel.com to connect. 

When I was meeting with my tax advisor, discussing my new business, I shared with her how I decided to get back into the insurance business.

I’ll start with my mom. You see, my mom is smart. She worked until she was 75. She doesn’t have Medicare Part B or Part D. How can that be?

Social Security adds the penalty, not any insurance company. Her penalty is 150%. It’s a monthly penalty to the premium. So if the regular premium is $135.00, her’s is $337. She also doesn’t have prescription drug coverage. If she wanted it, she’d have to pay an average of a 1% penalty. Both of these penalties never go away for her and they are monthly, not annually..

Because of the penalty, she never signed up. 

After giving her the highlights, I started talking about other policies seniors need to consider. These include final expense insurance, cancer, dental, vision and hospital indemnity. Most seniors don’t have this coverage as part of their medicare coverage. If they have the resources to purchase it, the coverage can be a lifesaver.

In this episode, we talk about my personal experiences with final expense, life insurance and cancer insurance. The reasons I'm so passionate about knowing what is available and making informed decisions. 

If you or someone you know is on Medicare, reach out to our sponsor, Lynn Michel Insurance and have a conversation. Do a review with them and make sure what you have is the right plan for this year.