Author Archives for Herb Weiss

The Best Of…Volunteer Baby Boomers Work to Uplift Their Communities

Published September 17, 2008, All Pawetucket All the Time

           Throughout his life, Arthur Plitt has never seen a time when he has not expended lots of time and energy to support a good cause.  Over his fifty eight years, he has volunteered as a non-paid volunteer with dozens of nonprofit organizations throughout the Ocean State. The Oak Hill resident juggles a part-time job as a private mediator while allocating countless hours to his volunteer activities. 

             Two sons in Cub Scouts would propel the young man to take the volunteer position of Advancement Committee, chairman of the Boy Scouts of Rhode Island’s BlackstoneValley division.  A love of animals would also lead him to Roger Williams Zoo where he became a docent.  Plitt would also join the Rhode Island Jaycees and serve in its Senate and later work as an ombudsman for the Alliance for Better Long-Term Care.

 Kudos the Plitt

            Plitt now sits on the Governor’s Commission on Disabilities, heads the Pawtucket Neighborhood Alliance, and Oak Hill Neighborhood Association, serves on the Blackstone Watershed Council’s Board of Directors, and sits on the Pawtucket Arts Festival Executive Committee.  Still, the aging baby boomer still has time to work with the terminally ill as a Home & Hospice Care of Rhode Island volunteer.  With 1,220 hours logged in this year supporting dying patients and their families it is no surprise that he was one of 12 statewide award winners of the Volunteer Center of Rhode Island’s 2008 outstanding volunteers.

             Plitt’s philosophical views on volunteerism can be simply summed up by his favorite phrase. That is, “The butterfly counts not months but moments and has time enough.”  “Butterflies, like many species, accomplish much in their short life spans.  With longer life spans, human beings are given an opportunity to accomplish a lot more and they have the time to share”, says Plitt.    

             While Plitt works with a diverse group of nonprofit organizations, fifty-four year old Patricia Zacks focuses her time and efforts on supporting the arts in Pawtucket.  Over the years, this proprietor of the Providence-based camera shop, The Camera Werks has annually organized the City’s photo contest, brought photo workshops into several public schools and senior centers.  In addition, she serves on the Board of the Friends of Excellence in Art Education, chairs the Pawtucket Arts Festival’s Program Committee and sits on its Executive Committee, and assists and networks local artists to sell their one-of-a-kind art work at Open Studio events.

             In 2007, in recognition of her efforts to support Pawtucket artists Zacks was named President Emeritus of the Pawtucket Arts Collaborative when she stepped down after serving six years. That Year the Pawtucket Foundation the Oak Hill resident was the co-recipient of the group’s prestigious “Person of the Year” award. 

 Baby Boomers Volunteer at Higher Rates 

             Aging Baby Boomers, Plitt and Zacks, are not unique in their desire to give back to their local community.  According to a 2006 Issue Brief published by the Corporation for National & Community Service (NCS), today’s Baby Boomers volunteer at a higher rate than past generations did at roughly the same age.  Findings from the 2007 Keeping Baby Boomers Volunteering (KBBV) report were cited throughout this NCS Issue Brief.

             The 2007 (KBBV) report noted that the volunteer rate for those ages 46 to 57 today, is significantly higher than both the 25.3 percent recorded by the 46 to 57 age cohort in 1974 (Greatest Generation, born 1910-1930) and the 23.2 percent recorded in 1989 (Silent Generation, born 1931-1945.)

             Additionally, the 2007 (KBBV) report also found that remaining in the workforce increased the likelihood that a Baby Boomer will continue to volunteer. 60.5 percent Baby Boomer volunteers who leave the workforce will continue to volunteer the following year compared to 69.3 percent who continue to work.

             The 2007 (KBBV) report also mentions two predictors of the relatively high volunteer rates of Baby Boomers: high education level and having children later in life. 

             Middle age adults are nearly three times likely to have a four-year college degree today.  When their children leave home the Boomers would maintain their high volunteer rates because of their high education levels and expectations that they will work longer, the report notes.

            The 2007 (KBBV) report notes that today’s Boomers, ages 41 to 59, are more likely to volunteer with religious organizations. The second most popular place to volunteer is educational or youth service organizations.

          Finally, the (KBBV) 2007 report findings indicate that the more hours a Baby Boomer devotes to volunteering, the more like he or she will volunteer throughout their lives.  Nearly 9 of 10 Baby Boomer volunteers who serve 100 to 499 hours a year volunteer again the following year, compared to just over 5 in 10 who serve 1 to 14 hours.

             Aging Baby Boomers Plitt and Zacks have brought their life experiences, time and energy to making their community a better place to live, just like millions of their Baby Boomer cohorts throughout the nation. 

             For more information about volunteering contact Volunteer Center of Rhode Island.  Go to www.vcri.org.

             Herb Weiss is a Pawtucket-based free lance writer who covers aging, health care and medical issues.   This article was published in the September 17, 2008 issue of All Pawtucket All the Time. He can be reached at hweissri@aol.com.

The Best Of…Keeping Tabs on Your Wandering Parent

Published August 20, 2008, All Pawtucket All The Time          

           With the graying of Rhode Island’s population, a growing number of aging baby boomers are now taking care of their elderly parents who reside in their homes.  Adult children are often juggling professional careers and family responsibilities while spending countless of hours each week making sure their elderly parents needs are taken care of such as getting them to doctor’s appointments, taking them grocery shopping, assisting in house hold chores, or bringing them to family events.

            In recent months this writer discovered several close friends are dealing with parents facing these very issues – perhaps compounded with early stages of dementia or Alzheimer’s.  Often times the grown children suffer in silence – balancing the daily burdens of their own lives – while steadfastly tending to their parents care and needs, a very time consuming task especially if the older parent is frail or becomes confused and wandering.                                                                                                                                                                                

 Wandering a Common Occurrence

            This “care giving” life-stage experience is not uncommon, especially with approximately 25,000 Rhode Islanders who are afflicted with Alzheimer’s.  According to Elizabeth Morancy, President of the Alzheimer’s Association, Rhode Island Chapter, about 70% of people with dementia reside at home in the community    She estimates that six out of 10 people with Alzheimer’s will “wander” to some degree.

            Morancy notes that “wandering” occurs when a person with dementia becomes missing – where an individual becomes lost after leaving their home.  The restless individual may actually leave having a purpose or goal in mind, maybe he or she might search for an item that was lost, look for a child, or try to fulfill a former job responsibility.

            “Even situations that seem harmless to us can become dangerous, even fatal to the Alzheimer’s person,” Morancy notes.  Because a confused person does not panic not realizing their dangerous predicament of walking onto a highway or into woods, a very dangerous even a very life threatening, situation occurs, she says.

The ABCs of Reducing Wandering

            According to Morancy, wandering can be reduced by following a few tips. Movement and exercise can reduce behavior, agitation and restlessness (causes for this negative behavior).  Make sure that all basic needs, such as toileting, nutrition and thirst, are met.  Involve the person with dementia in performing daily activities like folding laundry or making dinner.  Color-matching cloth over door knobs can effectively camouflage the hardware. A black rectangle on the floor placed inside the door way can become a visual barrier, keeping the wanderer inside.  By placing a mirror near a doorway, a reflection of the person’s face will often keep the individual from opening the door and leaving the house.   

             Even simple actions like rigging an alarm by hanging tin cans from a door with string or using door locks the confused person can not operate work effectively, too, Morancy says.

             Morancy adds that one of the most effective ways of reducing wandering is to register the person with Alzheimer’s or dementia in Alzheimer’s Association’s MedicAlert + Safe Return Program.  It operates through local police departments and other emergency responder agencies working with Alzheimer’s Association chapters across the country.  The government-funded initiative has a national information and photo database.  It operates 24 hours a day, seven days a week, with a toll free crisis line. .        

            Once registered, when a person with dementia wanders or becomes lost, a phone call immediately activates a community support network that works together to reunite the lost person with their caregivers.  Once the wandering individual is found, an identification product on the wanderer provides law officials with information to contact the caregiver.  The nearest Alzheimer’s Association office provides support during the rescue efforts.  Medical information is immediately available if needed.

             MedicAlert + Safe Return Program needs to be tweaked, say Morancy.  “The initiative is not yet pro-active. Although the registration helps identify the person who wears an identity bracelets or necklace or carries wallet identity card (noting an 800 toll free number) because the identity information enables caregivers to ultimately be contacted, this is just after the fact,” she says. “There is no universal system that will track down persons while they are lost.

             However, in other states, Project Lifesaver, administered by the local sheriff departments, utilizes a tracking mechanism.  However, its high cost decreases its use throughout the nation. .

             Initiatives like MedicAlert + Safe Return and Project Lifesaver have been instrumental in returning wanders to the safe home environments.  These programs are crucial to aging baby boomers who work hard to successfully keep their confused parent at home rather than to institutionalize them. The incidence of physical harm and death increases if a person is not found within a 24 hour period.

             Care giving can be a stressful chore.  Programs like MedicAlert + Safe Return can make it just a little easier.  For more information about this Program, call 800 272-3900.

             Herb Weiss is a Pawtucket-based freelance writer covering aging, medical and health care issues. The article was published in the August 20, 2008 issue of All Pawtucket All the Time.  He can be reached at hweissri@aol.com.

The Best of…Lack of Guaranteed Income Makes Retire Years Bleak, Study Says

Published in All Pawtucket All the Time on July 18, 2008

Good health, combined with a strong work ethic, keeps sixty-nine year old Herman Brewster looking for full-time job in his later years.  The former Providence School Teacher now works part-time at the state’s Adult Corrections Institute (ACI) as a counselor, a place he once worked at for over 18 years.  Since 2006, Brewster has held a number of part time jobs since he left his full-time teaching position.  He believes a recession along with being almost seventy years old, hinder his chances of landing a full-time position with benefits.

Herman and his wife, Madeline, are life-long Rhode Islanders who have raised two sons in their Eastside residence. Now empty nesters, they are faced with a lower household income.   With less household income, the couple no longer  takes annual vacations or trips, nor do they have discretionary income to purchase Native American pottery for their collection, a once favorite past time.

Madeline, 57, a secretary in the Applied Math Department at Brown University, has now become the major breadwinner of the family, bringing health insurance benefits to the couple.

Cutting Back Expenses

“We have already cut back on our [household] spending,” says Herman, acknowledging that the couple’s belt tightening is due to skyrocketing gas, utility and food costs.  Although the couple is now eating out less to save money, they will splurge weekly by going out for Sunday breakfast, a less expensive alternative when compared to ordering from a lunch or dinner menu.

Herman acknowledges that he cannot even live comfortably now on his Social Security check.  “Fortunately between our two jobs we have not gone into our savings yet,” he says.  When retirement comes, probably in five years, he plans to take income out of his retirement annuity.

While currently walking on a financial tight rope, the Brewster’s ultimate retirement will be made easier because of Social Security payments, combined with their guaranteed incomes, an annuity and pension.  According to a newly released Ernst & Young Study, others may not be so lucky, especially those living only on a Social Security check.

New Retirement Study Released

According to the national economic study released by Ernst & Young on Monday, 54 percent of retirees in theOcean State entering retirement are at high risk of outliving their retirement savings. The study, commissioned by the Americans for Secure Retirement coalition, finds that in order to not outlive savings, the average Rhode  household will have to reduce their standard of living by a whopping 19 percent.  Both national and state-specific data were made available in the study entitled, “Retirement Vulnerability of New Retirees: The Likelihood of Outliving Their Financial Resources.”

“Many Americans envision a leisurely retirement where their lifestyle continues much as before,” said Tom Neubig of Ernst & Young, in a press release heralding the release of the economic study.  “Our work shows that this is not a realistic expectation and that, with the current state of savings, retirees will have to cut back far more on expenditures than they had ever expected.”

The researchers also found that retirees in Rhode Island are much better prepared to have a financially secure retirement if they have a guaranteed source of retirement income beyond Social Security, such as annuities and defined benefit plans. For example,Rhode Island residents who have a guaranteed source of retirement other than Social Security have an 18 percent chance of outliving their assets if they retain their pre-retirement standard of living.  However, those with Social Security as their only guaranteed income have an 80 percent chance of outliving their assets during retirement.

“As a guaranteed source of retirement income, life annuities relieve the risks and burdens of managing a nest egg and can maximize savings’ value over the course of an individual’s retirement years,” adds Joe Reali, Chairman of the Americans for Secure Retirement coalition. “Life annuities are the only vehicle besides pensions and Social Security that provide a steady stream of income for life – a “paycheck for life.”

Other key findings of the study include:

Almost three quarters of middle-income Rhode Island households seven years from retirement (near retirees) can expect to outlive their financial assets if they attempt to maintain their pre-retirement standard of living;

Over half of middle-class Rhode   retirees can expect to outlive their financial assets;

Almost nine out of ten near retirees and eight out of ten new retirees without an employer pension plan in Rhode Island are likely to outlive their assets;

Married couples are more likely to outlive their financial assets, due to their longer joint life spans, than single households. Single females are more likely to outlive their assets than single males;

Near retirees in Rhode Island would have to reduce their standard of living on average by 32% to reduce the likelihood of outliving their financial assets (failure rate) to only five percent;

Finally, new retirees in Rhode Island would have to reduce their standard of living on average by 19% to reduce the likelihood of outliving their assets to only a five percent failure rate

The national study should serve as a warning to many of the 77 million middle income baby boomers — it’s never too late to get your financial house in order.  Guaranteed sources of income can be instrumental help you maintain your pre-retirement standard of living.

Herb Weiss is a Pawtucket-based freelance writer who covers aging, health care and medical issues.  This article was published in July 2008. He can be reached at hweissri@aol.com.