Coronary Heart Disease in Seniors

Coronary Heart Disease in Seniors

Coronary heart disease (CHD) is when the heart muscle (myocardium) does not receive as much oxygen as it needs for normal operation. The disease develops when a larger or smaller branch of the coronary artery (these are the vessels feeding the myocardium) suddenly becomes narrower than normal. If the lumen of the coronary artery decreases gradually (for example, an atherosclerotic plaque grows in it), or the vessels contract only periodically, without delivering blood to the myocardium, it may lead to angina. Why do older people get sick more often?

Coronary heart disease is the most common disease in the elderly. In this age group, the disorder can be more serious than the one in the younger population, and in eight out of ten people over 65, angina turns into myocardial infarction. This is mainly because the Myocardial cells (cardiomyocytes) are gradually replaced by connective (not working) tissue. This leads to the expansion of the ventricles and atria, which leads to heart failure. The level of potassium decreases, while the concentration of calcium and sodium increases. However, instead of normal cells, connective tissue appears, the impulse is not able to pass or is forced to “jump” from one cardiomyocyte to another.

Who is at risk for CHD?

  • Smokers.
  • People who’re obese or overweight.
  • Those who enjoy fatty foods.
  • People with endocrine disease, especially diabetes.


A typical symptom of chronic coronary heart disease is the pain in the heart that occurs after:

  • weight lifting;
  • climbing stairs;
  • brisk walking;
  • eating heavy food, especially if it is fatty;
  • walking against the wind, especially when it is cold.

These symptoms are often manifested in the morning, due to the peculiarity of the nervous regulation of cardiac activity. Therefore, if your parent is over 60 years old, you should not allow them to drive the car or do any physical activity in the morning when it’s too cold. Unfortunately, senior citizens often suffer from atypical symptoms of chronic coronary artery disease such as:

  • a feeling of fullness, heaviness, burning or squeezing behind the sternum;
  • dyspnea;
  • pain in the lower jaw;
  • increasing arrhythmia;
  • dizziness;
  • pain or heaviness in the stomach;
  • severe weakness, especially in the legs;
  • heartburn.

About Medigap: Elderly who are above 65 can check out Medicare supplement plans as an add-on coverage option.

3 Common Health Conditions You Should Watch For As You Age

3 Common Health Conditions You Should Watch For As You Age

From blurry vision to brittle bones, you may experience a number of health conditions as you grow older. You should be aware of the common culprits so that you can keep them at bay and stay healthier and live longer. When you are aware of them, you will be able to take the necessary steps to prevent them or treat them when they show up. Take care of your health with a medicare supplement plan at

  1. Arthritis

This is one of the most common health conditions that affect seniors. Based on statistics, arthritis affects about one-third of people who are over 65. This condition occurs when the cartilage and the fluid in the joints wear out, thereby causing the bones to start rub against each other causing pain. Osteoarthritis is one of the most common forms of arthritis among people who are 65 and older. Osteoarthritis results from years of tear and wear on the joints mainly in the spine, wrists, hips, knees, and fingers. Your doctor will know what kind of treatment is best for you when you develop arthritis. Meanwhile, do regular exercise and eat healthy foods to maintain healthy bones and joints.

  • Vision loss

Vision problems such as glaucoma and macular degeneration are very common in elderly individuals. Macular degeneration is a condition in which the macula, which is the part of your eye that makes it possible for one to clearly see fine details, starts to break down as time passes. The risk of a person for macular degeneration usually increases with age. Glaucoma is simply a condition that is associated by increasing the fluid pressure inside your eye. This usually damages the optic nerve gradually. If left untreated, glaucoma can cause loss of direct vision, peripheral visions, and eventually result in total blindness. It’s important that you go for eye check-ups regularly to find out whether there are any signs of vision problems.

  • Constipation and incontinence

Constipation and incontinences are bathroom issues that many seniors are familiar with. Based on statistics, about 16% of men and 26% of women aged above 65 usually experience chronic constipation. Dehydration, sedentary lifestyle, and eating foods with no fibers are some of the main reasons for constipation. Men over 65 who have enlarged prostate glands are at higher risk of experiencing incontinence. Older women have high chances of urinary incontinence due to the fact that their pelvic muscle have lost strength and cannot control the bladder effectively.

Cow Milk and How It Can Benefit Older Adults

Cow Milk and How It Can Benefit Older Adults

Cow’s milk is a rich source of vitamin B12, which affects our mood, digestion, memory, cardiovascular activity, reduces cholesterol levels, and participates in metabolism. In addition, it is important in the synthesis of DNA, hemoglobin, and leukocytes, in the breakdown of food proteins, and supports reproductive function. Thus, it is one of the most important vitamins of the whole group B.

Another important element that makes up the milk is calcium. It forms strong bones and teeth. Almost every component of the human body, including the nerve cells, heart tissue, muscle, and blood cells, need calcium for its normal functioning. Vitamin D, which is also available in milk, promotes calcium deposition in the bones. Thus, the use of cow’s milk can be effective in the prevention of rickets and osteoporosis.

Experts have proven the direct correlation of milk consumption with calcium deposition in the skeletal system and the frequency of fractures in adolescents. With age, the ability to digest milk becomes worse. However, even in old age, you should not completely abandon its use, as it can still benefit your body. Thus, older people can drink milk, but it is recommended to dilute it or choose a skimmed alternative.

Milk can help with issues related to the gastrointestinal tract (GIT). It is prescribed for tuberculosis and anemia. Milk and honey are drunk for disorders of the nervous system. This drink relieves stress and makes it easier to fall asleep. Recent studies have confirmed that milk has a beneficial effect on the cardiovascular system. This effect is due to the content of potassium and linoleic acid in it. Drinking milk and its products helps lower blood pressure, and strengthen the heart muscle. Milk, both in its pure form and in the form of milk products is a valuable component of nutrition that can prolong your life.


The history of human consumption of cow milk goes back centuries. A few decades ago, no one about doubted about the benefits of this product. In recent years, a number of researches have indicated about the negative effects of milk on human health. However, it all depends on the characteristics of each person, and on the age group to which a person belongs. Medicare Supplements: Medicare advantage plans are coverage options by private agencies that cover additional costs (copay, deductible, etc.)

How Can Seniors Prevent Prediabetes?

How Can Seniors Prevent Prediabetes?

Physical activity

It does not imply compulsory fitness or gym. Instead, you can consider light exercises such as walking, or even working in the garden. The main thing is – to build muscle mass and boost the production of insulin in your body. The fact is, physical activity can reduce the risk of prediabetes by almost 58% as compared to Medicines that have a rate of only 30%. Before starting a physical activity, discuss with your doctor what you can do, how intensely you need to work out, as well as what should be the duration of walking or other exercises.

Drug treatment:

The person should consult with an endocrinologist in order to identify high numbers of sugar in the second hour after drinking glucose. Do not be afraid of glucose-lowering drugs. The doctor may prescribe them temporarily until the elderly person makes some small changes into their day to day lifestyle. Note: Currently, prediabetes is not covered under Medicare or Medigap (Medicare advantage plans).

Life after detecting prediabetes:

In addition to the glucose tolerance test, a few other tests will have to be carried out.

Since the tests showed elevated glucose figures, it will have to be controlled – in order to detect diabetes at least in time. In addition, you will have to track other indicators some of which are mentioned below:

  • blood lipidogram – 2 times a year;
  • blood pressure – at least once a day;
  • the condition of the fundus of the eye (at the ophthalmologist) – once a year;
  • Ultrasound of the kidneys – once a year;
  • the condition of the oral cavity (at the dentist) – 1-2 times a year.

After the discovery of prediabetes, even if after making some significant changes in your lifestyle, it is crucial for you to pay attention to the below factors:

1.  Always dress according to the weather – without overheating or freezing yourself;

2. Take some time to moisturize the skin, especially the skin of the hands and feet, preventing it from cracking and infection.

The lifestyle changes that prediabetes requires are not that difficult to apply. Besides, these measures can help you avoid other issues such as a heart attack, stroke, blindness, as well as kidney failure.

Late Registration: How to calculate the Medicare Part D penalty

Late Registration: How to calculate the Medicare Part D penalty

As a Medicare beneficiary, you will not receive Medicare Part D prescription drugs automatically. The Medicare Part D is optional, but may be useful for taking medications. If you do not register for the 1st Part D Medicare insurance, you may have to pay a late fee if you choose to register later.

Many people enroll automatically in the original Medicare, Parts A and B, at the age of 65. Meanwhile, you may not be aware that Original Medicare does not provide most of your medications (with the exception of those you may receive in hospital or, in some cases, outpatient procedures). Medicare Part B secures certain prescription drugs that are received on an outpatient basis, such as in the doctor’s office. However, this is usually the type of medicine that you need to get from a doctor, for example, medications for infusion. If you need help with most of the costs of other medications, you need to sign up for Medicare Part D.

Part D of Medicare is a prescription drug. This is optional, but if you delay sign up for a Medicare Part D drug plan, you may be charged a late check-in fee if you choose to do so later. So this penalty is calculated and ranked:If you adhere to a Prescription Drug Policy, Part D, the policy will calculate the number of months that can be recorded in the Prescription Drugs, Part D. However, they have decided not to register and have given up their prescription drugs recognized for 63 consecutive days or more.

The D Prescription Drug Policy then provides this information to the Medicare program.Thus, Medicare will set the late registration penalty by multiplying by 1% of the national primary beneficiary base by the number of months you are not covered. Medicare rounds the number to $0.10.

This figure will be added to the monthly premium for Part D of the prescription drug.The national basic premium (for example, $ 35.02 in 2018) may change each year, so the penalty for Part D of Medicare may vary from year to year.Note: If you enroll in a Medicare drug plan the first time you qualify for Medicare, you will not be penalized for the late registration fee. In addition, you will not be penalized if you register continuously for prescription drug insurance (as described above) and you will not be interrupted for more than 63 consecutive days.

Please note that you may have to pay this penalty if you sign up for a Medicare drug plan. There are some exceptions. Suppose a disabled person under 65 is sentenced to a late entry fee. At the age of 65, this person would have an initial registration period. If it is still part of the Part D Drug Prescription Policy, the late registration penalty will be removed in the future. Individuals who qualify for the low-income medical subsidy, also known as the Supplementary Assistance Program, are exempt from late registration in Part D.

4 Common Financial Struggles That People Over 65 Are Facing

4 Common Financial Struggles That People Over 65 Are Facing

In more often than not, life after 65 usually revolves around retirement. However, this is not the only financial challenge that seniors are likely to face. There are some other financial struggles that seniors face. Here are some of the situations they usually face.

  1. Debts

According to personal finance consultants, many people carry debt into retirement because they spend years helping their children, grandchildren and relatives. Some older adults also turn to credit cards when they face major financial shocks. Others also go into retirement while still paying off their student loans or mortgages. It becomes very hard to clear these debts because most of older adults live in fixed income. If you think that you may start falling behind on your payments, you should contact your lender and see whether they can adjust your loans.

  • Difficulty recovering from identity theft or scam

Scammers and money launderers usually target seniors. And there are so many seniors who have fallen victims of scammers, or whose identities have been stolen. As an elderly person, you may have difficulties disputing unauthorized transactions or purchases on your credit card, and this is a one of the financial struggles many seniors are facing. You might also not know what steps you are supposed to take so that you can find a solution. According to personal finance experts, you should check your statements on a regular basis and scan them for any unusual charges or transactions and to realize fraud early enough.

  • Difficulty managing finances after losing a spouse

The death of a spouse can sometimes create difficult financial challenges for surviving husband or wife. This is usually true in cases where the surviving spouse used not to manage the finances. In most cases, the surviving husband or wife faces challenges when it comes to accessing certain assets even after producing the needed documents. If you are facing difficulty accessing savings accounts and certain assets after the death of your spouse, you can consult a financial professional to help you out.

  • Confusion over the banking fees and products

Most people who are over 65 sometimes find it hard to understand certain charges on their credit card and bank statements. Sometimes, seniors find services or subscriptions that they can’t remember signing up for. This is usually a clear indication that they could have been enrolled in some add-on services that they didn’t want at the time they were opening the account. Sometimes, you may also find it difficult to understand how the interested charges work. To avoid such struggles, get enrolled in a 2019 Medicare Supplement Plans ensure that you only subscribe to the add-ons you need and understand. Again, check regularly to ensure that your cards are working appropriately.

Reasons Why Investing Remains A Challenge To Elderly Individuals

Reasons Why Investing Remains A Challenge To Elderly Individuals

It is probably the dream of every senior citizen to establish reliable investment. Good thing is, some of them have succeeded and are doing great. The bad news is that some seniors can’t just master the art of investing and continue to lose money. If you belong to the group of senior citizens who are always facing investing challengers, then the following might be some of the reasons.

  • You are not patient

Patience is a virtue, or so they say. This cannot be overemphasized when it comes to investing. Growth takes time, and you may need even up to 5 or more years to get good returns on investment. It therefore means that you have to be patient even when the economy  becomes volatile. You need to stay put and observe keenly how things go. You are probably failing because you rush into making investment decisions especially when tough times hit or when you fail to see good returns within the times period you expected.

  • You are not involved

Another reason you might be facing many investment challenges could be that you are letting people manage your investment. If you still have the energy and brain, then you should get actively involved in the management of your investment. This way, you will easily spot where the problem is coming from.

  • You are not protecting your investment and finance

Disasters do happen, and they might be reasons you haven’t been successful in investing. In most cases, you can prevent some disasters. However, you can always protect your investment and money against disasters. You can do this through insurance. Insure your investment against disasters that are likely to happen.

  • You haven’t diversified

You are probably facing challenges because you didn’t get a Medicare Supplement plans 2019 for your healthcare coverage so don’t always put all your money in one investment. This is the most dangerous thing to do because it means that if something goes wrong and you lose your investment, you also lose all your money. The best thing to do is to diversify. Spread your money on various different investments to mitigate risks.

  • Lack of investing goals

Investing goals are very important. Most investors fail or face constant challenges because they either have no investing goals, or the goals are vague. Come up with clear investing goals that are practical and achievable. Write them down and come up with a plan on how you want to achieve them. Have both long-term and short-term goals. Work towards achieving these goals and avoid distractions.