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Caregiving – Families Don’t Always Play Fair

In our busy world, caregiving can become a complicated task especially when multiple family members are involved. Who will take responsibility for what tasks? Often the majority of the work is delegated to the family member who has the most available time.

Caregivers placed in this position feel that this is not always fair and that their brothers, sisters, or other family members take advantage of them. This resentment creeps into family relationships.

The individual with the majority of the caregiving burden burns out and their health may fail. Statistics report that caregiver stress is at an all time high resulting in physical and emotional declines. Exhausted caregivers are taken to task by family members for not doing more. Or the caregivers themselves feel guilty that they are not doing enough to care for their older adult. Many times this is a no win situation unless other family members will commit to providing support through time or money.

Signs of caregiver exhaustion can be seen in the older adult through poor general appearance or hygiene, poor nutrition, dehydration, lack of socialization or missed medical appointments. At times the primary caregiver is so exhausted that they do not notice weight loss or other changes in the older adult that may be seen by other family members who express concern. It is at this point that family disagreements may occur about the best care for the older adult. Some family members may recommend facility placement or in home care because they feel the primary caregiver is unable to provide the best care.

In this situation a compromise is usually the best course of action for the older adult and the entire family. The primary caregiver may feel unappreciated or victimized because other family members feel he or she is not providing the best care. While neither side may want to be seen as giving in it may be in the best interests of the older adult to compromise. Outside evaluations from physicians or case managers may also prove helpful in deciding on the best course of action. Many older adults would prefer to remain at home if the cost of care is not prohibitive or if the care necessary does not exceed what can be provided. Many times a trained personal care provider can provide the majority of care when skilled nursing is not needed.

Families should know that there are many options available for assistance so that any one family member need not be overwhelmed. These include not only in home care, but day care, family counseling and other services.

About the Author: Pamela D.Wilson, specializes in planning, counseling and advocacy for older adults. Contact her at The Care Navigator For real estate info related to this article visit Wilson Real Estate

St. Louis, Missouri Senior Information and Referral Services 2017 Update Page #4

St. Louis, Missouri Senior Information and Referral Services:

St. Louis, Missouri senior information and referral service organizations which follow below provide a wide-range of services specific to the needs of older adults. These St. Louis, Missouri senior information and referral service organizations have large information databanks from which to draw upon. They are frequently used to assist both laypersons and professionals alike in providing problem solving direction and access to available resources and senior information for metropolitan St. Louis, Missouri.

St. Louis, Missouri Senior Information and Referral Services:

Journeys In Aging, LLC
Phone: 314-303-8211 Fax: 314-966-5854
123 West Woodbine Ave., Suite G, St. Louis, MO 63122
Counties Served: St. Louis, St. Louis City
Description: Partners with older adults and their families to help determine optimal resources allowing the senior adult the greatest possible degree of independence and quality of life. Comprehensive assessment, care planning, accessing resources, monitoring services, accompanying to medical appointments, help understanding medical insurance. Offers assurance to older adults, and peace of mind to families (in and out of town). With knowledge and compassion, traveling the journey of elder care with you.

Long Term Care Ombudsman Program
Phone: 314-918-8222 Fax: 314-918-9188
8702 Manchester, Brentwood, MO 63144
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Description: LTCOP’s Information Center provides FREE and objective information and counseling services to individuals, families and caregivers seeking placement assistance. We clarify nursing home regulations and resources. We help families cope with the costly and complicated process of long term care placement. LCTOP provides directories listing all licensed facilities and bed availability information.

Lutheran Senior Services Outreach Social Services
Phone: 314-446-2475 Fax: 314-446-2520
1150 Hanley Industrial Ct., St. Louis, MO 63144
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City
Description: Lutheran Senior Services Outreach Social helps individuals living at home determine what community resources are available to either maintain or improve their
independence. Assistance can be provided over the phone, through an in-home assessment, during an office consultation, or through geriatric care management.

Metropolitan Older Adult Resources (MOAR) for Life
Phone: 314-664-9700 Fax: 314-664-9701
2000 S. 11th St, St. Louis, MO 63104
Counties Served: St. Louis, St. Louis City
Description: MOAR for Life is an enterprise operating under the umbrella of the SGSM Network (formerly South Grand Senior Ministry). MOAR for Life offers a number of services that enable older adults to continue to live independently in their own homes, including Geriatric Care Management, transportation, home repair and adaptation, health resources, social engagement, referrals, and more. Call today for more information!

Mid-East Area Agency on Aging
Phone: 636-207-0847 Fax: 636-207-1329
14535 Manchester Road, Manchester, MO 63011
Counties Served: Franklin, Jefferson, St. Charles, St. Louis
Description: MEAAA’s professional Information and Assistance specialists help seniors and their families by linking them with MEAAA programs and community resources,
such as senior centers, Meals on Wheels, transportation and more. In St. Louis County, call (636) 207-1323. In St. Charles, Franklin or Jefferson counties, call toll-free, 1 (800) AGE- 6060.

Next Step/Elder Assist (The)
Phone: 314-821-9111 Fax: 314-821-7082
2190 S. Mason Rd., Suite 205, St. Louis, MO 63131
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Description: Various services to help older & disabled individuals remain as independent as possible: Complete care management including assessment & on going problem
solving; assistance for out-of-town caregivers; home care & community resource referrals; retirement living, assisted living & nursing home placement; medical insurance filing; bill
paying; Medicaid planning, qualifications & application filing.

Cemeteries and Cremation Services in west St. Louis County, Missouri 2017 Update

Cemeteries and Cremation Services in west St. Louis County, Missouri- An Overview: 

Cemeteries and cremation services are available in west St. Louis County, Missouri if you’re planning a funeral service or want to consider the various burial options when preplanning a funeral. While most people are familiar with traditional funeral services you are probably not aware that there are various options also available. Additional options include cremation or interment in a mausoleum. If you need assistance in deciding the best options for mausoleum, cemeteries and cremation services in west St. Louis County, Missouri, the following organizations may be able to help.

Cemeteries and cremation services in west St. Louis County, Missouri in the related zip codes areas: 
63045, 63044, 63043, 63074, 63114, 63146, 63132, 63124, 63141, 63131, 63017, 63011, 63021, 63005, 63040, 63038, 63011, 63021, 63131
Baumann Colonial Chapel
Phone: 314-427-2345
2504 Woodson Rd.
Overland, MO 63114

Beth Hamedrosh Hagodel Cemetary
Phone: 314-991-0264
9125 Ladue Rd.
St. Louis, MO 63124
Beth Olam Of St. Louis

Phone: 314-434-3933
740 N Mason Rd.
Creve Coeur, MO 63141
Chesed Shel Emeth Society
Phone: 314-469-1891
650 White Rd.
Chesterfield, MO 63017
Fee Fee Cemetery Assn.
11210 Old St. Charles Rd.
Bridgeton, MO 63044
Forever Bellerive Cemetery

Phone: 314-434-3933
740 N. Mason Rd. Creve Coeur, MO 63141
Lake Charles Park Cemetery &

Garden Mausoleum
Phone: 314-725-7802
7775 St. Charles Rock Rd.
St. Louis, MO 63114
Mt. Lebanon Cemetery & Mausoleum
Phone: 314-739-1211
11101 St. Charles Rock Rd.
Saint Ann, MO 63074
O’Sullivan-Muckle Mortuary

Phone: 314-514-9966
13996 Olive Blvd.
Chesterfield, MO 63017
Oak Grove Memorial Mausoleum
Phone: 314-721-7260
7800 St. Charles Rock Rd.
St. Louis, MO 63114
Schrader Funeral Home
Phone: 636-227-5511
14960 Manchester Rd.
Ballwin, MO 63011

Nursing Homes, Assisted Living Facilities and Senior Apartments in South St. Louis County, Missouri – 2017 (Page #4)

Nursing Homes, Assisted Living Facilities and Senior Apartments in South St. Louis County, Missouri – 2017 Update

Nursing homes, assisted living facilities, and senior apartments in south St. Louis County, Missouri are conveniently located in various areas of the county. Nursing homes and other long term care facilities in south St. Louis County include housing , medical and mental health resources for individuals requiring various levels of care including Senior Apartments, Independent Living, Assisted Living Facilities, Residential Care and Skilled Nursing Facilities. Definitions and attributes of these various long-term care facilities are described on separate pages of this web site. In general, long-term-care facilities are defined in relation to the amount of care needed for your loved ones. Senior Apartments, Independent Living and Assisted Living Facilities are available for individuals who need little to no care. Residential Care is for individuals needing a limited amount of care and medical supervision. Skilled Nursing Care is utilized when medical and personal-care needs require assistance and supervision on a 24-hour basis.

The following south St. Louis County, Missouri nursing homes and long term care facilities include Senior Apartments, Independent Living, Assisted Living Facilities, Residential Care and Skilled Nursing Facilities located in south St. Louis County, Missouri.

Nursing homes and long term care facilities in south St. Louis County, Missouri include: Senior Apartments (SA), Independent Living (IL), Assisted Living Facilities (ALF), Residential Care (RCF) and Skilled Nursing Facilities (SNF):

Nursing homes and long term care facilities in south St. Louis County, Missouri and their related zip codes:

63129, 63128, 63123, 63126, 63127, 63119, 63122, 63127, 63088, 63026, 63049, 63125, 63069

Manor Grove (SNF)

711 S. Kirkwood Road
St. Louis, MO 63122
(314) 965-0864

Marymount Manor Nursing Center (RCF, ALF, SNF)
313 Augustine Road
St. Louis, MO 63025
(636) 938-6770

Nazareth Living Center (RCF, ALF, SNF)
2 Nazareth Lane
St. Louis, MO 63129
(314) 487-3950

Pacific Place Retirement Community (SA)

45 S. Old Orchard
St. Louis, MO 63119
(314) 961-3041

St. Agnes Home (RCF, ALF)

10341 Manchester Road
St. Louis, MO 63122
(314) 965-7616

Tesson Heights Senior Living Community (SA, RCF, ALF)
12335 West Bend Drive
St. Louis, MO 63128
(314) 849-1366

Retirement Plan: Essentials you need to know.

Retirement Plan: The Basics 

You will usually be eligible for your employer’s retirement plan after you’ve worked there for at least one year and for at least 1000 hours.  Employers usually offer two basic types of retirement plans: defined contribution plans or defined benefit retirement plans. 

Retirement plans: Defined contribution and defined benefit plans: 

Defined contribution retirement plans involve annual contributions made for each employee by the employer.  The contribution can be up to 15% of the amount you (the employee) put into your plan.  The benefit you receive is the vested amount (the amount you completely own) plus the amount of investment income earned.  Examples of these types of retirement plans include 401(k)’s, 403 (b)’s, employee stock ownership plans, profit-sharing plans, and money-purchase pension plans (in which the employer must contribute a specific amount of money each year). Ultimately you receive the amount you contribute plus investment gains and losses.  The amount in your retirement plan frequently fluctuates in relation to changes in the value of your investments. 

Defined benefit retirement plans are the most traditional plans and are characterized by employer contributions which are determined by actuarial tables based on your salary as well as your years of employment. 

Some of the more typical retirement plan accounts you might have include the following: 

Simplified Employee Pension Plans (SEP): Retirement plans in which the employee sets up an Individual Retirement Plan(IRA) and employer then makes contributions (up to 15% of your pay) to it. 

401(k): The employee defers receiving part of their pay, which is then placed in an account of payment and is untaxed until sometime in the future. 
Retirement plan- ERISA and the vesting process:

Retirement plans are governed by a federal law referred to as ERISA (Employee Retirement Income Security Act). Each year you should receive a summary which shows you how your pension account is being invested as well as the return on investment. 

You must become vested in order to be qualified to receive your benefits.  Once you become vested you become the owner of the funds in the account, even if you leave the company before reaching full retirement age. Vesting is a gradual process which occurs over time. If after three years you’re 20% vested, you are then the owner of 20% of the funds in your account.  Most retirement plans require you to be in a job for five to seven years to become completely vested. If you leave that job before you are completely vested, you will then lose the unvested amount in your account.  Retirement plans may be very different.  You should always make sure that you understand the rules before you make major changes to your retirement plan or employment. 

You must start to receive benefits from your account within 60 days of turning 65 years old or, if earlier, than normal retirement age according to your retirement plan; the end of the 10th year after you began participation in the retirement plan; or, after you have left your job, whichever occurred last. 

Some information from Senior’s Rights by Brett McWhorter Sember 

Web page and additional information by Paul Susic Ph.D Licensed Psychologist – Clinical Director Senior Care Psychological Consulting.