LiveWell: His & Hers
According to one study, 60 percent of people reaching
age 65 will need long-term care at some point. But does
this mean you need to buy long-term care insurance?
What is Long-Term Care?
Long-term care is not medical care but support for the
basic personal tasks of everyday life. Long-term care
insurance may be for you if you have a chronic illness or
disability, or need help with activities like bathing or
getting dressed. A good policy will pay for care in your
home, an adult day care setting, assisted living facility
or nursing home.
Before buying a policy, consider this: According to a
government survey, about 47 percent of people who
enter a long-term care facility return home in less than
a year. That means you might never have a claim that
Upper-body workouts aren’t necessarily about achieving
a bodybuilder’s physique. They’re about performing daily
tasks, says fitness coach Melissa Boguslawski, M.P.H.,
A.F.A.A., of Sola Life & Fitness in Rochester Hills.
“A strong upper body helps us maintain strength and
stability while doing common tasks, like reaching for
an object on a high shelf, pulling the start cord on a lawn
mower or carrying groceries,” she says. “Strength training
also helps us avoid injury.”
To get started, do some light stretching, and then try these
exercises targeting the arms, chest and shoulders. For each
exercise, perform two sets of 10 to 15 repetitions. Increase
to three sets as you progress.
Melissa recommends starting with light dumbbells (one
to two pounds for women, two to five pounds for men).
Increase the weight as you progress.
1. Stand with a dumbbell in each hand, palms facing
inward, knees slightly bent.
2. Slowly raise both arms straight out to your sides or in
front of you until they reach shoulder height. Maintain
a slight bend at your elbow.
3. Return to start position and repeat.
1. Sit on the edge of a stable chair or bench with a flat,
solid surface. Keep your knees bent at a 90-degree
angle. Grasp the front of the seat on either side of your
hips, fingers facing forward.
2. Walk your feet out and inch yourself off the seat until
you’re supported by your arms.
3. Bend your arms, keeping your elbows straight behind
you as you slowly lower your body.
4. Return to start position and repeat.
Try These Exercises for
*The HAP Advantage program is a value-added program, and the services and
products made available under this program are not covered benefits under
the Health Alliance Plan (HAP) Subscriber Contract, Alliance Group Insurance
Policy, Riders or Member Handbook or otherwise payable by HAP. HAP, its
affiliates, agents and assigns make no representations or warranties
regarding the quality, price or effectiveness of the services or products, or
the credentialing of the providers, made available by HAP Advantage.
Perhaps your children are grown and financially secure or you’ve
paid off your mortgage. Do you still need life insurance?
The answer depends on your personal situation.
Life insurance is a good idea if you have a spouse, aging parents
or others who depend on you financially. A life insurance payout
can help your beneficiaries pay off your outstanding debts, as
well as burial and other expenses. You can also use life insurance
to make a legacy gift to an organization.
If you need life insurance, there are two options: term life or
whole life. Term life policies cover a set number of years and
pay a benefit if you die during the policy term. A whole life
policy covers your entire life span and pays a benefit when you
die or a built-up cash value if you liquidate it before your death.
You can buy term life insurance in your 50s and 60s, but premiums
are usually more expensive than for younger buyers.
See a financial adviser to learn if life insurance is a good fit for you.
For more information about life insurance and to estimate how
much coverage you might need, visit
Do You Need Long-Term Care Insurance?
pays more than the cost of the policy. On the other
hand, in 2008, 21 million people had a condition that
caused them to need help with their health and personal
care. Half of them were 65 and older.
The average annual cost for a private room in a nursing
home is close to $80,000 per year and Medicare doesn’t
pay this, as it is considered “custodial care.”
Where Can I Learn More?
Explore your options to decide if long-term care
insurance is right for you. A good place to start that
includes definitions, planning resources and cost
calculators is the National Clearinghouse for Long-Term
Care Information at
care and health insurance are regulated by the state.
For more information, visit the Office of Financial and
Insurance Regulation at
Life Insurance After 55 – Is It Necessary?
1. Stand facing a wall with your arms in front of you, feet
hip distance apart.
2. Lean forward slightly and place your hands on the wall,
shoulder distance apart.
3. Bend your elbows until your nose nearly touches the
wall without straining your neck. Keep a straight line
from your shoulders to your heels and tighten your
4. Return to start position and repeat.
“Do these exercises consistently, and you’ll feel stronger
after two to four weeks,” Melissa says. Remember: Consult
your doctor before starting any exercise program.
HAP Advantage* offers members a 15 percent
discount on enrollment fees at Sola Life & Fitness.
Be sure to mention that you are a HAP member to
receive the discount