Senior Article Nov: Veterans Day Facts and Information

Which is the Correct Spelling of Veterans Day:
Veterans Day does not include an apostrophe but does include an “s” at the end of “veterans” because it is not a day that “belongs” to veterans, it is a day for honoring all veterans.

What Day of Their Week is Veterans Day Observed:
Veterans Day is always observed officially on 11 November. However, when Veterans Day falls on a weekday, many communities choose to hold Veterans Day parades or other celebrations on the weekend before or after 11 November so more folks can participate.

What Is the Difference Between Veterans Day and Memorial Day:
Many folks confuse Memorial Day and Veterans Day. Memorial Day is a day for remembering and honoring military personnel who died in the service of their country, particularly those who died in battle or as a result of wounds sustained in battle. While those who died are also remembered, Veterans Day is the day set aside to thank and honor all those who served honorably in the military – in wartime or peacetime. In fact, Veterans Day is largely intended to thank living veterans for their service, to acknowledge that their contributions to our nation security are appreciated, and to underscore the fact that all those who served-not only those who died-have sacrificed and done their duty.

Why are Red Poppies Worn on Veterans Day, And Where Can They Be Obtained:
The wearing of Poppies in honor of America’s war dead is traditionally done on Memorial Day, not Veterans Day. The practice of wearing of Poppies takes its origin from the poem in Flanders Fields, written in 1915 by John McCrae. A large number of Veterans organizations distribute Poppies annually on Memorial Day. You can find veterans groups on VA’s Veterans Day web page or Veterans Organization link on their web page.

Thank you all who have served, died serving our country, and serving today! God Bless America!

Brenda Dever-Armstrong, CEO/Owner/CSA/Geriatric Advisor
The Next Horizon Senior & Military (Veterans/Spouses) Advocate/Resources/Services/Placement
The Next Horizon Seniors & Military Advocate – https://www.nexthorizonlocators.com/
National Register Directory (NRD) – https://www.nrd.gov/

Medicare Open Enrollment – 15 October – 7 December 2024

The Medicare Open Enrollment starts from 15 October – 7 December 2024. This time frame gives you an opportunity to review your plan choice and make changes, if necessary. Review your current plan. Medicare has added more accepted care. Now, if your Veteran spouse served 20 years or more – after age of 65 you are covered with Tricare For Life…. Best coverage – Medicare (Primary) Tricare For Life (Secondary) – you do NOT need an additional medical insurance policy.

Major Medicare Changes For 2025 And How They Will Impact Your Coverage:

In 2025, Medicare will undergo some of the most significant changes in a generation. Changes to Medicare will include a $2,000 limit on out-of-pocket Part D drug costs, an opt-in payment plan, and some potential broad changes in Medicare Advantage plans.

Key Takeaways: Medicare changes include the elimination of the “donut hole” and a limit on how much you’ll pay out of pocket for covered prescription drugs.

There will be a new payment plan you can opt into to spread out your medication costs. A new optional payment plan can ease budgeting, particularly for expensive drugs. Depending upon the cost of your drug, remember out-of-pocket expenses are capped at $2,000 annually, you won’t pay more than $166.67 per month ($2,000 divided by 12).

In response to these changes, insurers will likely change pricing and coverage for Medicare Advantage and Part D plans.

Medicare Advantage beneficiaries should receive a letter in the middle of 2025 about unused benefits.

Other changes impact the availability of mental health care, prior authorization use, and unpaid caregiver support for Medicare recipients with dementia. Medicare aims to enhance access to these critical services.

*Check with your current medical plan and contact them with questions you may have or go onto the website: www.medicare.gov

Brenda Dever-Armstrong, CEO/Owner/CSA/Geriatric Advisor/Lifetime Advocate
The Next Horizon Senior & Military (Veterans/Spouses) Services/Resources/Locator

The Standards of Geriatric Care and Deducting the Cost of a Caregiver

Today’s facility needs to provide increased levels of both comfort and care. Here are six key criteria geriatric patients are using to measure hospitals and long term care residence.

  1. Quality of Care – This will Never change. Geriatric patients demand and expect top-notch care when they are in the hospital, rehap or Senior Living community. The Baby Boomers are demanding better care and doing their research on their condition and will ask questions to ensure they are receiving the best care from highly qualified personnel.
  2. “Privacy” – I Want A Door. HIPPA laws have led to a construction boom as hospital administrators strive to make Waiting Rooms, Treatment Bays, Exam Rooms and other areas of hospitals HIPPA compliant. They do not want to Share a Room!
  3. Room Comfort – Some hospitals are acting like hotels. More space for family to visit their loved one – some are like suites and provide additional luxuries. Requesting Unrestricted visiting hours, and on-site facilities for eating.
  4. Food Quality – Healthy and Tasty Diet. Emotional health is connected to physical health and physical health connected to a healthy diet. Providing healthier foods and diet will make the patient happier and healthier – improve & go home faster.
  5. Personnel with Professional and Caring Personalities. Patients rely heavily on facilities employees. When patients are ill or frightened, they need to feel confident they can depend upon staff to treat them correctly and with respect. Patients demand knowledgeable, efficient, comforting and – above all – pleasant staff.
  6. A Calm and Clean Environment. Every administrator knows that the better a patient feels emotionally, the faster they will heal physically. The atmosphere of the facility is one of the “key” things patients look for when deciding on a healthcare facility. Geriatric patients want tranquil environments that are tastefully decorated, cheerful and clean.

While these are not the only standards used to select healthcare facilities they are some of the Most important considerations. Facilities need to provide their patients in innovative ways, beyond their clinical needs, never forgetting that the quality of care and medical service is the Primary concern.

Can Someone Deduct the Cost of a Caregiver? With tax time upon us this is asked frequently. Our parent has a personal caregiver who works for them full time in their home. The parent(s) pay the cost of approx $4,000 per month out of their own income. Can they deduct the cost as a medical expense on their income tax?

Answer: YES, assuming they are “qualified long term care services.” To satisfy the IRS, one must have to verify primarily by a carefully written letter from her/his personal physician that: (a) she/he is chronically ill (b) the services are provided in accordance with the physician’s plan of care, and © she/he are required care and supervision to protect them from threats to health and safety due, for example: to her/his diminished capacity. A CPA will rely on Section 213 of the IRS Code in determining whether or not their care qualifies.

Note: Physicians do not think about tax deductions when they care for their patients. Its OK to tell them about this opportunity and about the need for an appropriate letter or written plan. Also, these expenses can only be itemized deductions if they exceed 7.5% of the patient(s) adjusted gross income. *Remember to issue 1099s for each of the Caregivers and submit to the IRS at year end. Check with your CPA…..

Brenda Dever-Armstrong, CEO/Owner/CSA/Geriatric Advisor/Lifetime Advocate
The Next Horizon Senior & Military (Veterans/Spouses) Services/Resources/Locator

Honoring Fallen Veterans On Memorial Day

WAYS WE CAN PAY RESPECT TO THOSE WHO HAVE MADE THE ULTIMATE SACRIFICE

Since 1868, Americans have set aside one day a year to honor the over 1.1 million men & women who gave their lives while serving their country. While Memorial Day comes just once a year, VA and its employees uphold the meaning behind it each and every day by providing the best care possible to our Veterans.

Initially called Decoration Day because families & friends would spend the day decorating the graves of their fallen loved one; the day was renamed Memorial Day during WWII and became a federal holiday in 1971. It serves to honor the men & women whose lives & actions in battle helped to shape not just our Nation, but the World! Whether they were present when the first shot was fired at Lexington & Concord or they’ve walked the streets of Baghdad, they’ve had a direct impact on history.

A simple way to both show your respect & support living Veterans & their families is through the purchase of a RED POPPY, known as the “flower of remembrance,” the poppy gained popularity after Canadian surgeon, Lt Colonel John McGrae, penned the poem “In Flanders’Field” during WWI. He describes the crimson flowers growing between the crosses marking the graves of those who fell during that pivotal battle. It was proclaimed the official memorial flower of the VFW in 1922. Now, artificial poppies are manufactured by patients & residents in VA hospitals and homes, with proceeds going to support Veterans, widows and orphans affected by war. By purchasing and wearing a red poppy, you can honor Memorial Day while making a difference in a living Veteran’s life.

Fly your American flag at half-staff. Guidelines: when putting the flag at half-staff, raise it quickly to the top of the staff, then slowly lower it halfway down. The flag should only be flown at half-staff from dawn until noon before being raised to full-staff until sunset.

Take time on Memorial Day to pause for the National Moment of remembrance. At 3 pm local time, take one minute to pause and reflect on the sacrifices made by those who have lost their lives fighting for the United States! If you are driving, turn your headlights on to show your participation. SPREAD THE TRUE MEANING BEHIND MEMORIAL DAY…..

Each and every day beyond Memorial Day, over 365,000 VA employees dedicate their lives to serve those who have made the ultimate sacrifice for their country.

Brenda Dever-Armstrong, CEO/Owner/CSA/Geriatric Advisor
The Next Horizon Seniors & Military (Veterans/Spouses) Advocate/Resources/Services/Locator (Military Spouse of 40 years)