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First in the Region to Utilize Mako ® Robotic-Arm Assisted Technology for Joint Replacement
Mako robotic-arm assisted technology enables our surgeons at Alomere Health to provide total knee replacement , total hip replacement , or partial knee replacement patients with a personalized surgical experience based on his or her specific diagnosis and anatomy .
Benefits include :
Seniors
12 Oz . Coffee
With coupon . Good only at The Outpost . Expires October 30 , 2020 .
1 Block off Main on the Corner of 6th & Getty , Sauk Centre email : store @ TheOutpostMerchantile . com Hours : 8am-6pm Mon-Fri • Sat 8am-3pm • Closed Sun www . TheOutpostMercantile . com
• Implants designed for natural , normal movement
• Less pain and quicker recovery than traditional joint replacements
• Personalized surgical plans based on your unique anatomy for longer-lasting joints
• Reduced risk of complications — our surgeons know more and cut less
Our Doctors :
Eric W . Nelson , M . D . Siegfried ( Sig ) Feierabend , M . D . Emily J . M . Monroe , M . D . • Aaron J . Balgaard , M . D . Dennis P . Weigel , M . D . • Paul A . Dale , M . D .
Call 800.762.1177 to schedule a safe in-office or telemedicine appointment .
Dairyland Peach , October 18 , 2020 Page 23
Explore long-term care insurance
Courtesy Metro Creative Connection
Individuals plan for many different scenarios : buying a home , putting kids through college and saving for retirement , among them . Quite often the concept of making arrangements for one ’ s golden years is placed on the back burner . However , that can be an expensive mistake .
According to AARP , by the time a person reaches age 65 , he or she has a 50- 50 chance of needing longterm care at some point in the future . Medicare , the federal health insurance program for people who are 65 or older in the United States , does not cover custodial care , which is the primary form of care in nursing homes . Therefore , many people must find alternative ways to finance nursing home and other long-term care options . Those who must pay out-of-pocket spend an average of $ 85,000 per year on a nursing home in the U . S ., and this is often an expense that has not
Elder care resources
Courtesy Metro Creative Connection the community level . This is a good place to find senior programs that can help with healthy aging - emotionally , physically and financially .
AARP ( www . aarp . org ) is yet another organization dedicated to helping seniors . The comprehensive AARP website offers a host of information on everything from senior discounts to products to health and other information specific to seniors . The AARP also has an affiliated charity that works to help low-income seniors procure life ’ s necessities .
At the local level in the United States , the federal government has mandated Area Agency on Aging ( www . n4a . org ) facilities in every county / city . These agencies can provide information on service programs available to the seniors in the area , as well as financial resources . These
MN Mobility
People want to grow old gracefully and maintain their independence as long as possible . There are many decisions to make as well as information to wade through to ensure needs are met and proper care is received through one ’ s golden years . Individuals , caregivers and families may find that a few helping hands along the way can be invaluable .
Numerous elder care resources are available for those who don ’ t know where to look . Start by researching the National Council on Aging ( www . ncoa . org ). This is a national leader and trusted association that helps people age 60 and older . The council works with nonprofit organizations , governments and businesses to organize programs and services at
been included in retirement budgets .
Long-term care insurance can be the best option to offset the high costs of nursing home and other care in most instances . It helps cover the costs of services that aren ’ t covered by regular health insurance , namely assistance with routine daily activities like bathing , dressing or getting in and out of bed , advises the financial resource NerdWallet . Such care may be administered at home by a private health aide or in a skilled nursing facility . Most policies also will reimburse for services rendered in an assisted living facility or an adult day care center .
According to a study revised in 2016 by the Urban Institute and the U . S . Department of Health and Human Services , about 14 percent of people age 65 and older will require care for more than five years . Getting the facts about long-term care insurance can help individuals make important decisions for their futures .
• The earlier a person buys a long-term care insurance policy the lower the rates tend to be . The American Association of Long- Term Care Insurance says a 65-year-old couple can typically buy a policy for $ 4,800 per year to offer base benefits of $ 180,000 plus 3 percent inflation growth . That plan price more than doubles if purchased at age 75 .
• Cost also is based on the maximum amount the policy will pay per day and the number of years the policy will pay . Many policies limit how long or how much they will pay , some between two and five years , states the Administration on Aging .
• Policies require some medical underwriting , so not everyone will qualify .
AARP suggests seeking out an independent agent who sells policies from multiple companies rather than a single insurer .
Long-term care insurance can be an effective way to pay for the often high cost of skilled nursing care .
facilities give seniors access to volunteers who can take seniors around by car , and some provide meals-onwheels services .
The Administration for Community Living ( www . acl . gov ) was established to help older adults and people of all ages with disabilities live where they choose . A network of communitybased organizations helps millions of people age in place .
Military veterans or those who are / were married to a veteran may be eligible for various benefits through the U . S . Department of Veterans Affairs ( www . va . gov ). The VA offers health care services , disability compensation , burial benefits , and much more .
Seniors have many different resources at their disposal that can help answer questions or provide services when the need arises .
3900 Roosevelt Rd # 101 • St . Cloud , MN
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