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Thursday, September 10, 2015

Switzerland Best Place in the World for Older People to Live

• UK enters top ten | • All regions of world represented in lower rankings | • Experts call for more age specific data about older people’s lives

September 10, 2015--Switzerland is the best place in the world for older people to live, closely followed by Norway and Sweden, according to a new report from HelpAge International, working in partnership with the University of Southampton.

The Global AgeWatch Index assesses the social and economic wellbeing of the older population in 96 countries around the world. The Index represents 91 per cent of the world’s population aged 60 and over, amounting to some 901 million people. It measures the lives of older people in four key areas: income; health; education and employment and the enabling environment.

The report highlights that:
• Switzerland (1) tops the Index, alongside Norway (2), Sweden (3), Germany (4) and Canada (5). The UK (10) is also among the top 10 this year, along with the USA (9).

• Apart from Japan (8) all the top 10 countries are advanced countries in Western Europe and North America. Afghanistan (96) is ranked last.

• Countries investing in improving the lives of older people are at the top of the Index. They are implementing policies which promote social pensions, universal healthcare and enabling physical and social environments for older people.

• All the world’s regions are represented in the lowest quarter, showing that improvements in lives of older people are required in countries across the world.

• African countries make up half of those with low income security rankings and poor health results – requiring more research and policy interventions in this region than any other.

• Greece (79), Venezuela (76) and Turkey (75) are in a similar position to sub-Saharan African and Asian countries.

Professor Asghar Zaidi, of the Centre for Research on Ageing at the University of Southampton, led the development of the Index, working alongside HelpAge International. 

He comments: “This Index is vital in representing the lives of older people in countries around the world as it enables us to compare not just their pension income and health but also the age friendly environments in which they live. The Index has also shown that a number of countries still lack vital statistics of older people and we would like to see them feature in the report in the future.

“The new post-2015 UN Sustainable Development Goals offer us a great 
opportunity to start building a better future for all ages by framing agendas and public policies over the next 15 years.

 If older people are to be truly represented in these goals, we need to see more data broken down by age and gender – to help us more effectively understand and address needs specific to this age group.”

By the time the Sustainable Development Goals reach their fruition in 2030, the proportion of people aged 60 and over globally is predicted to rise to 16.5 per cent, up to three-quarters of whom will live in developing countries.

“The Index is a step on the road to people fulfilling their potential at every stage of life,” said Toby Porter, Chief Executive of HelpAge International. 

“Today, in all countries of the world, the proportion of older people is growing. By 2050, 46 of the 96 countries in the Index will have 30 per cent or more of their populations aged 60 and over. We have just 35 years to prepare.”

Further findings:

The Global AgeWatch Index 2015, also shows us that the gap in life expectancy at age 60 between countries at the top and bottom of the Index has widened from 5.7 years in 1990 to 7.3 years in 2012. People aged 60 in Japan have the highest life expectancy and live on average an additional 26 years, while people aged 60 in Afghanistan, live on average an additional 16 years. Average life expectancy at 60 across all featured countries is 21 years.

The combination of a lifetime of gender discrimination, combined with inequality in old age, can have a devastating effect on older women. Globally 46.8 per cent of women aged 55 to 64 are economically active, compared with 73.5 per cent of men.

 In addition, women usually earn less than men, so opportunities to save for later life are limited, increasing their risk of poverty in old age.

Poverty rates among older people also vary dramatically. 

The Republic of (South) Korea currently has the highest poverty rate among older people at 48.5 per cent, followed by Venezuela at 38 per cent, Australia at 33.4 per cent, Bolivia at 30.3 per cent and Honduras at 28.9 per cent, despite significant variations in Gross National Income per capita. At the other end of the spectrum countries with low old age poverty rates are equally varied. The poverty rate among older people in South Africa is 12.17 per cent, Mauritius, 6.4 per cent, India, 5.1 per cent, Lao People's Democratic Republic, 4.5 per cent, Czech Republic, 1.7 per cent and the lowest, Iceland at 1.6 per cent.


Evidence from the Global AgeWatch Index shows governments investing in population ageing, and that are planning for the future, are at the top of the Index. These countries score highly on all four domains. 

They are carrying out research, resourcing and implementing policies which support wellbeing i.e. social pensions, accessible health care, flexible working, life-long learning and creating an enabling environment for all ages. This approach, more common in high income countries, is also apparent in some middle-ranking countries such as Chile (21), Argentina (31) and Mauritius (42).

Wednesday, September 9, 2015

FYZICAL Rallies Americans to Fight the FallOn National Falls Prevention Awareness Day, FYZICAL Therapy & Balance Centers Offer Free Fall Risk Assessments



Sept. 9, 2015 /PRNewswire/ -- Falls are the leading cause of both fatal and nonfatal injuries for older Americans and one-third of Americans aged 65+ falls each year, according to the National Council on Aging and the U.S. Centers for Disease Control and Prevention. 

Although preventable, a staggering number of Americans will face fall-related injuries or deaths this year.

"Many individuals are afraid to tell their doctors how many times they fall because they fear loved ones may consider a nursing home and take away their independence," said Brian Werner, PT, MPT and National Director of Balance Center Program for FYZICAL. 

"Simply the fear of falling can be terrifying, leading to a more inactive lifestyle that adds to the issue."

September marks National Falls Prevention Awareness Month and FYZICAL Therapy & Balance Centers are putting a stake in the ground to increase awareness of and eliminate falls by establishing the Fight the Fall campaign. FYZICAL's Fight the Fall brings to light the devastating effects of falling and how Americans can prevent falls through balance therapy.

On National Falls Prevention Awareness Day, Sept. 23, FYZICAL clinics nationwide are offering free Fall Risk Assessments to identify compromises in balance, flexibility and strength that could make someone susceptible to a fall and next steps to help prevent future falls.

Fall Risk Assessments are part of FYZICAL's BodyQ, a comprehensive evaluation that measures the overall health and wellness of the muscles, joints and neurological systems to help prevent injuries and address health issues. 

With individualized exercise and balance training from FYZICAL physical therapists, Americans can put their foot down to falls.

"Contrary to popular assumptions, falling is not an inevitable part of aging," said Werner. 

"We want people to know that they can prevent falling. The specialized balance, flexibility and strength training we perform at FYZICAL work in tandem to improve mobility and substantially reduce the risk of falling."

Anyone wanting to reduce his or her risk or a loved one's risk of falling is invited to visit FightTheFall.com to schedule a free Fall Risk Assessment at their nearest FYZICAL Therapy & Balance Center with a physical therapist and balance expert.

Individuals can test their stability with the following balance exercise (note: attempt exercise near a wall or corner for safety purposes):

•             Stand on a single leg with eyes closed. If struggling or unable to stand for 10 seconds on one leg, see a FYZICAL licensed and trained balance expert for a balance test.
Additionally, the National Council on Aging offers six steps to prevent a fall and take control:
•             Find a good balance and exercise program to build balance, strength and flexibility.
•             Talk to a healthcare provider about personal history of falls and ask for a fall risk assessment.
•             Regularly review medications with a doctor or pharmacist to make sure effects aren't increasing a risk of falling.
•             Get annual vision and hearing checks and keep eyeglasses updated.
•             Keep homes safe from tripping hazards, increase lighting, make stairs safe and install grab bars in key areas.
•             Talk to family members to enlist their support in taking simple steps to stay safe.

About FYZICAL Therapy & Balance Centers


FYZICAL Therapy & Balance Centers provides the freedom to live life on your own terms. FYZICAL combines extensive medical expertise and physical therapy experience to create the highest level of patient care. Rooted in science-driven practices and treatments, FYZICAL believes patient wellness begins and ends with personal connection. To date, FYZICAL Therapy & Balance Centers has grown to 110 locations in 24 states and is headquartered in Sarasota, Fla. www.fyzical.com.  

Thursday, September 3, 2015

Signs Your Parent Needs Care At Home
















Sept. 3, 2015 /PRNewswire/ -- You may have a loved one that prefers to stay at home but needs help that cannot be effectively provided by family or friends.  They need a reminder to take medication or help with dressing and bathing. 

Mobility, stability and difficulty transferring may be an issue.  Diminishing personal hygiene, difficulty preparing nutritious meals or simply forgetting to pay bills can demonstrate that Home Care is needed.

Have a conversation with your parent and discuss what you've observed.  Ask how they feel about things and what they think would be a good solution.  

If they don't recognize problems offer examples to support your observations.
A caregiver will provide non-medical assistance including personal care and companionship which is ideal for those who spend the majority of their time alone and need help with home tasks.  

Caregivers provide valuable emotional support and social benefits that help decrease isolation and depression and are there to offer safety and a watchful eye on daily routine.
Services include:
  • Hygiene assistance
  • Dressing & grooming
  • Toilet assistance
  • Companionship
  • Grocery shopping, meal preparation
  • Diet monitoring
  • Transportation & errands
  • Linen change & laundry
  • Light housekeeping
  • Medication & appointment reminders
  • Mobility & transfers
  • Help with mail and bills
  • Hobbies & special interest        
The psychological benefit of remaining within a familiar environment with family, friends and belongings is immeasurable.  Transitioning to assisted living or nursing options can be stressful for seniors, eroding security and freedom.  

Clients rarely receive individualized, one-on-one attention.  Many typical services like personal assistance represent additional expenditures.
A true professional caregiver feels a sense of calling to serve others.  They derive satisfaction from making the difference in the life of another.  If you don't get that sense of passion from the potential caregiver, find someone else.  Consider the assistance of a Home Care expert.

About the Author:  Debby Franklin is President of Easy Living Services, an Atlanta based Home Care agency that has been caring for seniors with Alzheimer's, Dementia and Cancer for over 20 years.  Easy Living Services offers flexible care plans designed to guarantee safety, comfort, companionship and personal attention to your loved one at home.


Tuesday, September 1, 2015

Research Examines Retirement Risk, Role of Annuities

A new research brief finds that pension plans have effectively managed key retirement security risks and that shifting to annuities would be a more expensive approach.

Public Pensions Manage Risks with Varied and Effective Strategies
Annuities Provide Lifelong Income to Retirees But Transferring Longevity Risk to Insurance Companies Has High Cost with Fewer Consumer Protections

WASHINGTON, D.C., September 1, 2015 – A new research brief finds that most public defined benefit (DB) pension plans have effectively managed key retirement security risks – investment, adequacy, longevity and inflation risks. 

The research also finds that a shift to funding retirement benefits from public pensions to fixed annuities would be a more expensive approach – with 57 to 175 percent higher costs. The public workforce also could face diminished consumer protections if their benefits were provided as annuities.

These findings are explained in a new Issue Brief from the National Institute on Retirement Security, Retirement Security Risks: What Role Can Annuities Play in Reducing Security Risks in Public Pension Plans? is available here.

“This research is particularly important as policymakers closely examine risks and the most cost-effective ways to provide retirement benefits for the public workforce,” said Diane Oakley, NIRS executive director. 

“For states interested in limiting their retirement costs for the public workforce, the research makes it clear that turning to annuities likely will increase costs,” Oakley explained.

During the last decade, managing investment risk has posed challenges while life expectancies have also increased. Yet, the research indicates that most public DB pension have successfully managed investment, adequacy, longevity and inflation risks appropriately as described below:

  • Investment Risk: Public pension plans have demonstrated their ability to invest retirement assets and achieve target returns over their long time horizons. Pensions take advantage of the risk premium generated by equity investments in their diversified fund portfolios over time.
  • Adequacy Risk: The fundamental principle underlying the appropriate and sustainable funding of retirement benefits is ensuring that sponsors pay the actuarial determined contribution (ADC). While a few states have failed to adequately pay their ADC, most states have paid 95 percent or more of the ADC.
  • Longevity Risk: DB pensions protect retirees from out living their savings even thought retirees are living longer. Advised by professional actuaries, public pensions appear to anticipate changes in mortality experience successfully.
  • Inflation Risk: Over time, the purchasing power of a fixed income stream diminishes even at low rates of inflation. Cost of living adjustments (COLAs) protect the purchasing power of retirees. State retirement systems manage inflation risk with limits on COLAs and using investment strategies designed to produce real rates of return.

In the private sector, fewer DB pensions are available to employees, and the trend has been to switch to defined contribution (DC) accounts. 

This shift places more responsibility and risks on individuals. As such, there has been an increased focused on the role of annuities in the retirement security equation. 

Annuities are products offered by insurance companies whereby an individual or a retirement plan pays money up front to the insurance company. The insurance company makes regular payments to retirees for the remainder of their lives or for a set number of years.

In the public sector, DB pensions remain the predominant retirement plan to help to attract and retain employees while enabling employees to retire with a monthly income. 

The research brief finds that if DB pension benefits were paid as fixed annuities, this approach would be more costly, and the public workforce also would face diminished consumer protections. 

With regard to annuities, this NIRS Issue Brief finds that:

  • Annuities cost more than current DB pension benefits. Because fixed annuity products deliver investment returns related to bond investments, it costs more to generate a given level of monthly income from fixed annuities than from DB pensions. Depending the pricing of the annuity, the cost of using fixed income annuities to fund DB pension benefits can be anywhere from 57 percent to over 175 percent more than the cost under a public pension’s diversified portfolio.
  • Annuities do not provide the same consumer protections as public pension benefits. Public pension benefits are protected by state constitutions, state laws, court decisions on contract law, and collective bargaining agreements, depending on the state. Annuities are protected by the financial strength of the insurance company, which is monitored by the state regulators, and are backed up by state guaranty funds.
  • Longevity annuities focus on the insurance value and are less expensive than fixed income annuities. By starting annuity income payments at a much older age, individuals can capture most of the insurance value of immediate annuities, but at a fraction of the cost by using longevity annuities. Further analysis with actual participant data, would be needed to help public plans consider if longevity annuities would be a helpful tool for plans considering ways to manage longevity risk. 


The National Institute on Retirement Security is a non-profit, non-partisan organization established to contribute to informed policymaking by fostering a deep understanding of the value of retirement security to employees, employers, and the economy as a whole. 

Located in Washington, D.C., NIRS’ diverse membership includes financial services firms, employee benefit plans, trade associations, and other retirement service providers. More information is available at www.nirsonline.com . Follow NIRS on Twitter @nirsonline.

. State Financial Security Scorecards Reveal Retiree Economic Pressure


The State Financial Security Scorecards research project gauges the retirement readiness of future retirees in each of the fifty states and the District of Columbia.

Retirement Outlook Troubling; California, Florida, South Carolina Rank Lowest While Wyoming, Alaska, Minnesota Rank Highest
Webinar to Review Findings from Thursday, July 30, 2015, Webinar. Watch a replay of the Webinar here.

September 1, 2015– A new analysis indicates that Americans in nearly every state will fall far short in meeting their economic needs in retirement. 

The State Financial Security Scorecards research project gauges the retirement readiness of future retirees in each of the fifty states and the District of Columbia in three key areas: anticipated retirement income; major retirement costs like housing and healthcare; and labor market conditions for older workers.

The research finds that the lowest ranking states include:

·         California due to low potential retirement income, low workplace retirement plan access and high retiree costs.
·         Florida due to high retiree costs, low wages for older workers and low workplace retirement plan access.
·         South Carolina due to low potential retirement income and low labor market scores.
The highest-ranking states include Wyoming, Alaska, Minnesota andNorth Dakota due to their relatively strong labor markets and lower retiree costs. However, each of these states with a favorable outlook is weak in terms of potential retirement income for retirees. 

For example, North Dakotans have an average defined contribution retirement account balance of only $27,700 – nowhere near the level of accumulated savings required to ensure self-sufficiency through retirement.

An interactive map with access to the State Financial Security Scorecards is available here. 

These state scorecards are designed to serve as a tool for policymakers to identify areas of focus for state-based policy interventions that will strengthen Americans’ ability to financially prepare for retirement.

The State Financial Security Scorecard project provides a two-page summary of the economic outlook for retirement security in every state. 

It considers trends in retirement plan participation rates in each state, evaluates average savings levels in individual retirement accounts in relation to median income and considers current poverty levels in each state.

“We developed the State Financial Security Scorecards to dig deep and really understand the root causes of why future retirees will struggle in some states,” said Diane Oakley, NIRS executive director. 

“Now, policymakers have a tool to identify the most urgent priorities and can take action to head off the looming retirement crisis in their states,” Oakley said.

“The retirement savings shortfall has become increasingly important at the state level because policymakers know it can have a deep impact on strained state budgets. 

The largest source of retirement income for most Americans is Social Security, but this critical federal program typically provides only a part of the income working families need to be self-sufficient. 

State programs must fill the gap and help Americans meet their most basic needs for food, shelter and medicine. 

The good news is that some states like California and Illinois already have enacted legislation to reduce future retiree poverty by encouraging workers to save today,” Oakley added.

“Out of crisis comes opportunity. States now are trying different ways to make sure that middle class workers don’t fall into poverty once they stop working, which harms individuals and their families,” said Kathleen Kennedy Townsend, Georgetown University Center on Retirement Initiatives founder and former Maryland lieutenant governor. 

 “This new tool can help policymakers get a better read on financial security issues in their state, and enact sensible policies to help Americans get back on track when it comes to preparing for retirement,” she explained.

“This research project makes it abundantly clear that achieving financial security in retirement is an increasingly elusive goal for Americans,” saidHank Kim, executive director and counsel with the National Conference on Public Employee Retirement Systems. 

“The findings give policymakers yet another reason to explore innovative approaches, such as the Secure Choice Pension, which draws on the documented performance and efficiencies of public sector pension management, and extends it to those in the private sector,” Kim said.

The State Financial Security Scorecards come on the heels of the NIRS 2015 public opinion research revealing that an overwhelming majority of Americans (86 percent) believe that the nation faces a retirement crisis. 

Americans strongly support state action to address retirement insecurity the research found: 71 percent said state sponsored retirement plans are a good idea and 75 percent of Americans said they would participate.

This State Financial Security Scorecard project was conducted by Diane Oakley, NIRS executive director with support from AARP. 

The State Financial Security Scorecards build upon a 2014 research report, The Financial Security Scorecard, authored by NIRS and Dr. Christian E. Weller with the University of Massachusetts Boston.

The National Institute on Retirement Security is a non-profit, non-partisan organization established to contribute to informed policymaking by fostering a deep understanding of the value of retirement security to employees, employers, and the economy as a whole. 

Located in Washington, D.C., NIRS’ diverse membership includes financial services firms, employee benefit plans, trade associations, and other retirement service providers. More information is available at www.nirsonline. Follow NIRS on Twitter @nirsonline.

Amp Up Your Body and Mind Outdoors


(Family Features), September 1, 2015-- It’s no secret that spending time outdoors is good for your health and well-being. From taking in fresh air during a walk through the park to taking advantage of the outdoor recreation facilities in your community, getting outside does a body good.

In the context of the nation’s obesity epidemic, parks and recreation spaces provide outlets for Americans to have much-needed physical activity with swimming pools, bike trails and various sports fields. Some communities even feature parks with amenities to encourage year-round use, such as plazas that feature ice skating rinks in the winter.

Beyond the mental health benefits associated with physical activity, spending time outdoors is good for the body, as well. 

Countless studies show the health benefits of nature when people who have been suffering from stress, sickness, or a trauma can spend quiet contemplative time in gardens or take to the mountains or woods to heal. 

In some communities, particularly in urban and low-income areas, playgrounds afford the only interaction many children have with nature.

People who live in communities that are walkable, have access to bike trails, and are near parks and green space have higher levels of health than those in communities lacking those amenities, according to Dr. Richard J. Jackson, former director of the National Center for Environmental Health and star of the PBS series “Designing Healthy Communities.”

What you may not realize is that significant work and planning goes into creating outdoor spaces that promote physical and mental well-being. Landscape architects help communities maximize opportunities for daily exercise like walking and biking, as well as places that optimize mental and physical restoration, such as therapeutic gardens.

Consider these tips to make the most of the active living designs, such as parks and plazas, in your community:
·        Mix up your routine so you take advantage of fresh scenery. Choose the path lined with trees shimmering their autumn colors or take a route that lets you appreciate the late season blooms in a manicured flower bed.
·        Get fit by exploring. The park closest to home may be most convenient, but venturing out to discover new outdoor recreation areas is a great way to keep active while enjoying a daily dose of nature.
·        Blend education and activity. Learning about the animals, such as birds, and all the vegetation that inhabit your favorite park makes it rewarding to enrich the body and the mind.
·        Think outside the box – box building, that is. Many parks and community centers offer outdoor versions of classes traditionally held inside. Yoga, aerobics, swimming, even group walks are possibilities worth exploring.
·        Remember to practice smart hydration: protect the environment by carrying a refillable water bottle that lets you keep thirst at bay and your body temperature in check.

To learn more about how landscape architects design the environment to work for you, visit asla.org/design.

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Three Tips for Staying Healthy Over 50

(Family Features), September 1, 2015-- A healthy lifestyle is necessary at any age, but for those over 50, it’s especially important. As you age, your body changes, and your risk for health problems increases. Fortunately, there are three simple things you can do to lead a healthier and happier life.

Eat Heart Healthy
If high blood pressure isn’t controlled through lifestyle changes and/or medicine, it can lead to stroke, heart disease, eye problems and other serious health issues.

A great way to establish a heart healthy diet is by reducing your sodium intake, which may reduce the risk of high blood pressure. Starting the day with a low-sodium ready-to-eat breakfast cereal is just one way to choose a healthier lifestyle. For example, according to a recent survey, 9 out of 10 physicians recommend Post Shredded Wheat cereal as part of a low-sodium diet to help support healthy blood pressure levels, (based on an online survey of 400 physicians conducted by Wakefield Research. Results of any sample are subject to sampling variation).

Enjoy Nutrient-Dense Foods
As you age, your body needs fewer calories for energy – but still needs the same amount of nutrients. It’s important to make your calories count by eating foods packed with good nutrition
such as:

  • Fruits and vegetables: Fresh, canned, frozen – it doesn’t matter. Vegetables are loaded with vitamins and minerals your body needs.
  • Protein: Add some variety to your diet with delicious protein sources such as fish, beans and peas.
  • Whole grains: The Dietary Guidelines for Americans recommends at least three servings of whole-grain foods each day (16g per serving or 48g per day).

Get Moving
Physical activity and regular exercise can decrease the risk of heart disease, stroke, colon cancer, diabetes and high blood pressure. The Centers for Disease Control and Prevention recommend those 65 years of age or older, who are generally fit, and have no limiting health conditions, try to get:
·         Two hours and 30 minutes (150 minutes) of moderate-intensity aerobic activity, such as brisk walking or yoga, and
·         Muscle-strengthening activities two or more days a week.

You should consult your physician or other health care professional before making changes to your diet or exercise plan to determine what is right for your needs.

In addition to taking up walking or yoga, joining group activities or sports are great ways to keep moving. In 2014, Post Shredded Wheat partnered with the National Senior Games to grant 20 seniors the opportunity to participate in their local Senior Games. Those who submitted entries were also asked to sign a petition to get the National Senior Games to add a 20th sport in 2015. To apply and sign the Post Shredded Wheat “Game On” petition, visit www.PostShreddedWheatGames.com .

Taking care of your blood pressure, enjoying healthy foods, and staying active are three steps you can start taking today to help you get and stay healthy for tomorrow. You can learn more about the nutritional benefits of Post Shredded Wheat at www.PostShreddedWheat.com.  


Photo courtesy of Getty Images