CHICAGO – Octubre será un mes importante para la atención médica y los cuidados de la salud en Illinois y en todo el país. Pero también puede ser confuso para los adultos mayores elegibles para Medicare. Por eso quienes trabajan con los adultos mayores del estado están siendo informados de que una persona de 65 años o más, para poder conservar su Medicare, no necesita inscribirse por internet a los nuevos intercambios estatales de salud.

Y es que a partir del primero de octubre, quienes no tengan seguro médico podrán inscribirse por internet para obtener cobertura a través de los nuevos intercambios de salud. Pero Courtney Hedderman, directora estatal asociada de AARP Illinois, resalta que toda la publicidad sobre esa novedad está confundiendo a las personas mayores elegibles para Medicare o ya inscritas en Medicare.

"La gente ve esos mensajes como preguntándose "¿Necesito hacer algo?" No, nada; eso nada tiene que ver con Medicare."

El primero de octubre inician las altas a los intercambios en línea, y el día 15 abre el período de inscripción a Medicare. Es por eso que Medicare está enviando miles de folletos y entrenando consejeros que asesoren a la gente mayor de Illinois y todo el país, para que no se confundan con los intercambios de la salud en línea. En vez de eso, si quieren hacer modificaciones, o inscribirse en Medicare, deben contactar al Department on Aging, Departamento de Envejecimiento, a su oficina local de seguridad social o entrar al sitio de internet Medicare punto gov para contactar un asesor que pueda aconsejarles.

Hedderman dice que los estafadores ya empezaron a tratar de sacar ventaja de la confusión llamando por teléfono y haciéndose pasar por personal de Medicare o de Social Security.

"Había gente que llamaba y decía "Hablamos de Medicare y necesitamos su número de Social Security." No, ya tienen su número de Social Security, ya no necesita estar dándoselos."

Durante el período de inscripción abierta que comienza el 15 de octubre, los beneficiarios de Medicare pueden revisar o cambiar su cobertura adicional a través de los muchos asesores que no intentan venderles nada.

"Si por ejemplo alguien vive en la ciudad, puede llamar al 311 y le comunicarán al departamento de envejecimiento. Es una entidad confiable con asesores que le pueden ayudar a través de todo esto."

Hedderman asegura que los consejeros de SHIP están entrenados para ayudar a que los adultos mayores entiendan Medicare. El acrónimo SHIP son las siglas en inglés del Programa Estatal de Seguridad Médica (State Health Insurance Program), el cual ofrece asesoría gratuita a los beneficiarios de Medicare y a sus cuidadores a través del Departamento de Envejecimiento de Illinois. Los residentes del estado que estén a punto de cumplir 65 años deberán contactar a su oficina local de seguridad social para inscribirse en Medicare. Necesitan hacerlo tres meses antes de su cumpleaños, porque si se inscriben después, a menos que tengan otra cobertura, tendrán que pagar primas más altas.

Más información en: medicare.gov/pubs/pdf/10050.pdf y en state.il.us


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More people are providing care at home for aging family members or those with disabilities - and a new study says they face mounting financial and emotional challenges in the process.

The report from AARP and the National Alliance for Caregiving finds more than 63 million Americans are now family caregivers, an increase of 20 million from 10 years ago. Nearly half of those surveyed face major financial hardships such as debt, lost income or food insecurity.

Bandana Shrestha, AARP Oregon's state director, said the work is getting more complex, adding to the stress.

"People are living with many chronic diseases, which may mean that people are managing multiple medications, they may have other medical demands on them," she said, "and a lot of this is being taken care of by family caregivers."

Oregon's 470,000 family caregivers, whom Shrestha calls the "backbone of the state's long-term care system," receive better support than most states. She cited policies such as paid family leave and programs such as Oregon Project Independence, which provides limited in-home services.

Alma Valencia is part of the "sandwich generation," caring for both her children and her aging mother with dementia. Valencia said she left a fashion career and its financial stability to care for her mother full time - and thinks one of the hardest parts is the isolation and stress.

"Caregiving isn't just a personal matter; it's a national issue," she said. "We need paid leave. We need financial relief. We need training. We need time to breathe."

Shrestha noted that on top of reducing paid work hours, family caregivers spend about $7,200 yearly on medical expenses. She said this is an area where lawmakers could help.

"They are forgoing a retirement savings, Social Security," she said, "so we have to do something in terms of offsetting those things."

She said AARP is supporting a bill in Congress focused on providing a tax credit for family caregivers, called the "Credit for Caring Act," which has more than 50 bipartisan co-sponsors.

More seniors in Washington state are facing financial strain or even losing their homes and seven local organizations will expand support for them with help from new grants.

Funds from AARP Washington's Community Challenge grants support quick projects to create more age-friendly communities.

Lauren McGowan, executive director of Local Initiatives Support Corporation Puget Sound, one of the grant recipients, said the $15,000 will help seniors get property tax relief, for which many do not realize they qualify, or need help in applying.

"We want to make sure that families have access to those resources so that they can stay in their homes, age in their homes healthy and well, and then pass along their homes to the next generation," McGowan outlined.

The group expects to help more than 5,000 low- and moderate-income older adults in King, Snohomish and Pierce counties. McGowan noted the average household can save thousands of dollars a year if they qualify for property tax relief.

Marcelo Pratesi, development director for Habitat for Humanity in Whatcom County, another grant recipient, said they will use the money to help 10 low-income homeowners over age 50 with repairs they cannot afford or manage. The project will enhance accessibility, health and safety, enabling them to age in place.

Pratesi added in North Whatcom County, the need is high.

"They don't have anywhere else to go to," Pratesi pointed out. "For us to be able to walk in there and build a wheelchair ramp or put in grab bars, or make bathrooms more accessible in general, it's going to be really great."

The Community Challenge Grants awarded more than $63,000 for projects across Washington state this year, part of AARP's national community investment, which has awarded more than $4 million to hundreds of organizations.


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A former Wisconsin mayor said the new federal budget will only worsen the current aging crisis families like hers have already been facing.

Analysis from the Congressional Budget Office suggests President Trump's budget bill will trigger automatic cuts to Medicare due to an expected increase in the national deficit.

Judy Karofsky, a former mayor of Middleton, said it would affect hospice services and end-of-life programs already in need of greater funding. She explained when her mother was 99, the local hospice agency determined she was not dying soon enough and abruptly discontinued her services. She explained how it also triggered her eviction from the assisted living facility where she was at the time.

"This happens in this country," Karofsky emphasized. "My mother was 99-and-a-half when that was decided. We were on our own for a matter of months. She did die within the next six months, just before she turned 100. It was cruel!"

Karofsky stressed cuts to Medicare would rob many of the most vulnerable Americans, like her mother, of their right to a dignified death.

Hospice provides patients and families with pain relief, medical equipment, nursing care and spiritual support. Studies show hospice saves Medicare and families money by reducing overall health care spending. Karofsky said without it, families are faced with financial burdens few can bear.

"I thought before I was involved with my mom's hospice care, that hospice was a charity," Karofsky noted. "I understand now that every hour of help, every service, every product that's brought to a hospice recipient is reimbursed through Medicare and every hospice agency is beholden to Medicare."

The number of Americans aged 65 and older is expected to more than double over the next 40 years.

Karofsky argued the issue of underregulated assisted living facilities will worsen the current aging crisis across the country. In her book, "DisElderly Conduct, The Flawed Business of Assisted Living and Hospice," Karofsky recounted her mother's negative experience at six assisted living facilities in Wisconsin and called for action to address the ongoing crisis.


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