What do you know about long-term care? Do you know how likely you are to need long-term care in the future? Do you know what the costs will be? Do you know how you will pay for long-term care? "Many of us don't know enough about how to pay for our future long-term care," says Dr. Paul McNamara from University of Illinois Extension.
Here are some basic facts that you should know about long-term care.
¨Long-term care can be expensive. In 2005, the average annual cost of nursing home care in a semi-private room was $64,240.
¨Family members provide the vast majority of the long-term care received by older persons. 78% of adults who receive long-term care at home relied exclusively on assistance from family members, friends, and volunteers.
¨Caring for an older relative impacts the caregiver. 62% of working caregivers say they make some adjustments to their work life as a result of care giving responsibilities.
¨In a recent survey, 51 % of respondents said that were not at all confident or not too confident about having enough money to pay for nursing home care or home care.
While you can't control whether you need long-term care in the future or not, you can take control of planning for your future! Learn more about long-term care and explore financing options. A good place to start is an upcoming seminar, "Long-Term Care Insurance–A Difficult Decision" presented by University of Illinois Extension.
Long-term care insurance is not the answer for everyone," says Dr. McNamara. "However, this seminar will help you decide if it is a good financing tool for you." The seminar covers who is likely to need long-term care, as well as the pros and cons of using long-term care insurance as a way to pay for long-term care.
The seminar is offered by teleconference -so you can listen to experts from across the nation. Join a group of people at your local Extension office or listen in from the convenience of your home or workplace. "Long-term Care Insurance -A Difficult Decision" is scheduled for Tuesday, March 7, 2006 from 7:00 -8:30 p.m. The second seminar in this series, "Building a Secure Future for Your Long-Term Care Needs," will be held April 6, 2006 at 7:00 p.m.
For more information about the seminars, call the University of Illinois Extension Christian County office at 287-7246.
The next parenting class will be held on Tuesday, March 14, 2006 in the U of I Extension Christian County office, located at 1120 N. Webster St., in Taylorville.
Scott Murphy, Christian County Mental Health Association counselor, will speak on "Father Involvement."
A light supper will be served at 6:00 p.m. with the program beginning at 6:30 p.m. Certified Christian County SafeSitters will provide childcare at no cost for all parents needing assistance.
We must have 10 participants registered by the deadline of February 9. For more information or to make a reservation, call Linda Smith at the University of Illinois Extension Christian County office at 287-7246.
Why do some families manage stressful events better than others?
Families and individuals face many expected and unexpected challenges throughout life. Learning to cope with changes and challenges can be difficult. Are there key characteristics that families and individuals possess that help them to thrive through stressful experiences?
This workshop, Remaining Strong In Trying Times, will discuss key characteristics that researchers have identified in individuals, families, and communities who have thrived and remained resilient in stressful times. Participants will also discuss strategies to promote resiliency in life.
Remaining Strong in Trying Times will be presented by Patti Faughn, U of I Extension Family Life Educator, on Thursday, March 16 at 9:30 a.m. in the U of I Extension auditorium, located at 1120 N. Webster, Taylorville, IL. The workshop is being sponsored by Christian County HCEA and University of Illinois Extension.
If you need reasonable accommodations to participate in the program, please make the request when registering. For more information on Remaining Strong in Trying Times, or to register to attend, call:
If you're an expectant parent or the parent of a toddler, you won't want to miss this opportunity to learn more about the exciting and yet, difficult job of being a parent.
The annual "Special Delivery: Parent and Child Health and Safety Fair" will be held on Friday, March 17, 2006 in the St. Vincent Memorial Hospital Auditorium from 11:00 a.m.–1:00 p.m.
Over 25 agencies and organizations will have displays and share information about products and services they offer to parents.
This year's keynote speaker will be Nina Wunderlich, Taylorville Elementary School Librarian, whose topic will be "Come Read With Me."
St. Vincent Memorial Hospital is providing a free lunch to all who call the University of Illinois Extension office to register at 287-7246 before noon on March 14. The health fair is open to anyone and is free of charge.
Doors open at 11:00 a.m. and the fair will continue through 1:00 p.m. with continuous door prizes donated by many local businesses.
The next meeting of the University of Illinois Extension Christian County Council will be held on Tuesday, March 28, 2006 at 7:00 p.m. in the Extension office conference room.
The Christian County Historical Society will host a Vintage Hat Show & Tea on April 22, 2006, beginning at 12:30 p.m., at the Christian County Historical Society Museum, in Taylorville, IL.
Shelby Berta, of Rochester, will be the featured speaker. Shelby will be wearing a vintage costume, and she will bring her collection of hats. Also on display will be the Historical Society's collection of historical hats.
Reservations are required for attendance. Donations will be accepted and will be used to renovate the 1854 James Canty Morrison House. Contact Gwen Podeschi, 824-5695; or Midge Kendle, 879-2319, to make reservations by April 15.
The tea planning committee would also like to use vintage plates that are a combination cake and cup plate at the tea. If anyone would be willing to loan them out for the tea, please contact Gwen or Midge by April 1.
At this time of the year it often seems like money has flown out the door and there are too many bills to pay. Now is a good time to look at ways to cut back on spending and make your money go where you tell it–instead of asking where it went! Here are some saving tips from the Plan Well, Retire Well website that you may find useful:
Work together. Saving for a goal is easier if all family members–children and adults–can agree and work together. For example, all members might choose to eat out less often and save the money for a family vacation.
Use Payroll Deductions. Have your employer deposit your savings directly from your paycheck into a credit union or bank account. If you never see the money, you might not miss it.
Save "Bonus" Money. Try to save tax refunds, overtime pay, gift money, refunds, raises, and rebates.
Have a "Nothing Week." Occasionally have a week when you try not to spend any extra money–don't go to the movies, don't go out to eat, don't go bowling. Save the money you would have spent.
Do you have a money saving tip that you'd like to share? Send in your ideas by e-mail to email@example.com. We'll share as many as we can.
The University of Illinois Extension office is a public use computer site in Christian County. It is available during regular working hours–between 8:00 a.m.–4:30 p.m., Monday through Friday, except holidays. This site is connected to a high-speed internet line, so anytime you'd like to come use it, feel free to come on in and search the World Wide Web. The U of I Extension office is located at 1120 N. Webster St. in Taylorville.
Energy demand grows one to two percent per year in Ameren's service area. The U.S. Energy Information Administration (EIA) predicts that total U.S. electricity use will rise by more than 40 percent between 2000 and 2025. Why? We've added home office equipment, telecommunications gadgets, security controls and home entertainment systems.
The EIA conducted an energy consumption survey in 1978, 1987 and 1997. Here's what they found:
Appliance use accounts for two-thirds of all electricity consumed–with most of the power going to keep air conditioning and heating systems, refrigerators and lights running. That's nothing new. So what are we doing differently now–compared to then?
In U.S. homes: 1978 1997
Microwaves 8% 83%
Dishwashers 35% 50%
Clothes dryers 59% 71%
Personal computers 0% 35%
The following 10 product types are projected to account for 60% of forecasted miscellaneous growth in consumption by 2010: torchiere lamps, color televisions, dehumidifiers, security systems, compact audio systems, microwave ovens, projection televisions, satellite systems, pool pumps and home computers. And worse yet, 20 percent of electricity consumed in homes is consumed by appliances in standby mode–the audio systems, televisions, cable boxes, personal computers, VCRs that are on–sometimes all the time.
January, 2006, ameren.com