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Speaker 1: Right, A ten.

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Speaker 2: This is a topic that every single person out there,

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Speaker 2: and I'm living it myself, and that is having a

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Speaker 2: father in law in our case that has been diagnosed

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Speaker 2: with Alzheimer's And how do you pay for it? Is

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Speaker 2: there anybody out there that helps you pay for it?

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Speaker 2: And no better man to ask that question than from

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Speaker 2: home Matters. You can log on at homematters dot com

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Speaker 2: Brad Pierce, the area owner. Brad, thank you for your

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Speaker 2: time this morning. I want to ask you a point

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Speaker 2: blank are most people financially prepared to face long term

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Speaker 2: care and its cost?

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Speaker 3: Hey?

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Speaker 4: Tom, I'm great to be with you.

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Speaker 3: The high level answer is most people are not even close.

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Speaker 2: Okay, So let's dive into this for a second because

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Speaker 2: I know you know it can get complicated when it

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Speaker 2: comes to Medicare Medicaid. Medicaid can pay for services in

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Speaker 2: assisted living facilities, but you have to be a very

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Speaker 2: very low income. Medicare is where a lot of people think, oh, okay,

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Speaker 2: they're paying my bills for cancer, they're paying my bills

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Speaker 2: for dialysis, But when it comes to what you refer

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Speaker 2: to as cognitive impairment, they're not there to help you.

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Speaker 1: Is that right?

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Speaker 3: Yeah? That's mostly right, and I say mostly because Medicare

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Speaker 3: was essentially established to be insurance for medical coverage, but

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Speaker 3: it's designed to treat the medical condition and not with

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Speaker 3: not to cover a lot of the additional things that

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Speaker 3: might come along with dementia Alzheimer's, such as what's called

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Speaker 3: custodial care or supervision related to issues that might come

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Speaker 3: up because of the condition.

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Speaker 2: Okay, you also work not only in helping people find

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Speaker 2: places where they could go move into, but you also

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Speaker 2: provide services to have nurses or aids come into your

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Speaker 2: house at the end of the day. Should people be

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Speaker 2: more focused on one of those or the other when

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Speaker 2: it comes to just crunching numbers?

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Speaker 3: Now, I think they should become familiar with both. And

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Speaker 3: from a planning strategy standpoint, what I would recommend is

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Speaker 3: trying to have conversations as early as possible related to

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Speaker 3: In your case, you know what the parents want on

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Speaker 3: a longer term basis, do they want to age in place,

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Speaker 3: which we would consider aging at home where you might

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Speaker 3: need to partner with a home care agency like home Matters,

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Speaker 3: or is the longer term goal to join into a

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Speaker 3: continuous care retirement community where you start with independent living,

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Speaker 3: and they've got really good transitions up to assisted living

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Speaker 3: and then for the high end memory care as needed.

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Speaker 3: So having those conversations early, understanding what might be in place,

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Speaker 3: whether you have long term care insurance, what your financial

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Speaker 3: condition is, and then just talking through it as a

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Speaker 3: family so that you are prepared if and when your

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Speaker 3: health gets to a point where you need to make

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Speaker 3: some of those decisions.

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Speaker 2: You know, it got me thinking and we're fortunate enough,

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Speaker 2: Brad peers from Home Matters talking about assisted living, long

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Speaker 2: term memory care facilities. Who pays for it? Does Medicare

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Speaker 2: cover it? Medicaid? Does it help you know? One of

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Speaker 2: the things that struck me. My father in law is

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Speaker 2: lucky where he has a pension where he worked for

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Speaker 2: a long long time that it looks like that would

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Speaker 2: be able to cover the cost on a monthly basis

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Speaker 2: at a memory care facility. But the thing that kept

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Speaker 2: creeping into my mind, Brad, is how are most people

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Speaker 2: able to handle this from a fiscal standpoint. It seems

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Speaker 2: like the very poor are getting help from Medicaid. The

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Speaker 2: very rich origin they can pay for it on their own,

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Speaker 2: But there's a huge gap there in the middle. Am

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Speaker 2: I thinking along the right lines here.

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Speaker 3: Yeah, yeah, I think that's spot on, and that's where

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Speaker 3: the realities of what happens is many people that are

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Speaker 3: in that bracket financially end up you know, hopefully if

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Speaker 3: they've built up equity in their home over a number

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Speaker 3: of years, they may sell their home and utilize that

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Speaker 3: money to be able to get to their next stage

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Speaker 3: of care. And that's where the notion of the planning

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Speaker 3: becomes so important, particularly for that category of financial profile

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Speaker 3: that you mentioned, because they are not going to get

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Speaker 3: the aid from Medicaid and Medicare doesn't cover some of

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Speaker 3: the costs that start to come along with assisted living

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Speaker 3: and memory care facilities.

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Speaker 2: By before I can get to well, I mean you're

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Speaker 2: roup go ahead and finish your thought.

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Speaker 5: I apologize, No, I was going to say, And one

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Speaker 5: of the one of a good way to do that

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Speaker 5: is I would I would recommend trying to get a

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Speaker 5: care team in place that includes you know, not only

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Speaker 5: your doctor, but you know, financial people as well as

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Speaker 5: an elder care tony to help you plan through some

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Speaker 5: of those inevitabilities.

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Speaker 3: Really based on the aging population.

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Speaker 2: And I want to get into that because when you

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Speaker 2: and I were talking about this you call it the

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Speaker 2: quote unquote silver tsunami.

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Speaker 1: Explain what that means.

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Speaker 3: Yeah, essentially, just from a statistics standpoint, we've got sixty

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Speaker 3: five thousand, We've got ten thousand people a day that

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Speaker 3: are turning sixty five years older. And when you look

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Speaker 3: at in particular dementia care, which is one of the

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Speaker 3: big drivers of some of the costs that aren't covered,

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Speaker 3: we've got you've got a ratio of about one in

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Speaker 3: twenty people that are sixty five or older that have

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Speaker 3: some form of dementia, and that drops down to one

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Speaker 3: in three for people that are eighty five or older.

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Speaker 3: So that's where this silver tsunami of our baby boomers

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Speaker 3: are really going to catch up with us in the

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Speaker 3: US and just across the globe, I think, faster than

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Speaker 3: we are all planning for it.

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Speaker 2: It's part of your business to be looking out on

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Speaker 2: the horizon, not only as you just mentioned this silver tsunami,

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Speaker 2: but what the government or what the medical industry is

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Speaker 2: doing in terms of forward thinking. I don't know if

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Speaker 2: there's any of it. You tell me, though, this is

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Speaker 2: your business. Is there any talk about this kind of thing?

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Speaker 2: Because I don't feel like I hear anybody talking about it,

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Speaker 2: but maybe I'm just missing it.

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Speaker 3: Well, there's definitely talk about it, Tom, But as you know,

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Speaker 3: with government programs like this, nothing moves quickly. Having said that,

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Speaker 3: I will say that there have been some pilot programs

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Speaker 3: that have launched. One of them is called the Guide

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Speaker 3: Program that was launched in twenty twenty four, which is

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Speaker 3: an eight year pilot program that medicare launched specifically to

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Speaker 3: helping guide improvements in dementia experience. And then there are

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Speaker 3: programs like the Pace program that is now locally launched

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Speaker 3: in Hamilton County specifically that launched at the end of

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Speaker 3: twenty twenty five that helps with elderly adults from a

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Speaker 3: healthcare coverage. But some of these things are coming probably

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Speaker 3: slower than are needed to keep up with the pace

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Speaker 3: of the aging population.

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Speaker 2: All Right, I'm going to ask you to help me here.

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Speaker 2: I'm listening right now, and I have a parent who

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Speaker 2: you know, I know what their fiscal situation is. I

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Speaker 2: might be helping them from a monetary standpoint, or maybe

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Speaker 2: I'm the person getting a little bit older and I'm

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Speaker 2: going whoah, you tell me, Brad Peerce, where should I

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Speaker 2: start in terms of a strategy?

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Speaker 4: Yeah, well, what.

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Speaker 3: Where I would start if you are the son or

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Speaker 3: daughter of an aging parent, I would start with engaging

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Speaker 3: in the conversation about what your parents would like to

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Speaker 3: do long term as they age, in terms of where

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Speaker 3: do they want to live, how long do they want

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Speaker 3: to stay in their current home. If they move out

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Speaker 3: of their current home, do they want to do it

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Speaker 3: in the local community or move to be somewhere warm,

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Speaker 3: And then like I said, moving into Okay, it's an

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Speaker 3: uncomfortable conversation sometimes, but talking to just even if you

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Speaker 3: start with ballpark numbers about the financial realities of what

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Speaker 3: a family has in place, and then making sure that

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Speaker 3: if there's not a lot of things in place, evolve

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Speaker 3: having a conversation about evaluating things like long term care insurance.

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Speaker 3: Long term care insurance is extensive, and it gets more

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Speaker 3: extensive as you age, but sometimes it's also still a

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Speaker 3: very good alternative related to versus some of the assisted

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Speaker 3: living care costs. So, as I said, for I think

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Speaker 3: getting a care team in place is a really good

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Speaker 3: place to start, and that would be enlisting an elder

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Speaker 3: care attorney, maybe your financial planner if you've got one,

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Speaker 3: making sure that the whole family is aware of the

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Speaker 3: family plan and desire, and then if you don't have

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Speaker 3: some of the financial things in place, starting to look

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Speaker 3: at resources available. Like you mentioned Alzheimer's disease. The Alzheimer's

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Speaker 3: Association is a great resource. The DA has a lot

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Speaker 3: of great resources. So if you have a family, if

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Speaker 3: the family members served in the military, right, looking into

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Speaker 3: that as a resource and just educating yourself on what

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Speaker 3: the rese sources are that might be able to help

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Speaker 3: you navigate the complexities.

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Speaker 2: And I would assume Brad, that there are some questions

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Speaker 2: that could get answered at homematters dot com.

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Speaker 1: Is that safe to say?

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Speaker 4: Yeah?

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Speaker 3: Certainly related to homecare. So our business is non medical

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Speaker 3: homecare and we help families with assisted daily living tasks.

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Speaker 3: So we are working with people that want to age

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Speaker 3: in place and don't want to move out of their

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Speaker 3: typically their homes, and we have a lot of good

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Speaker 3: resources on our website related to different services that we provide.

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Speaker 1: Well, look what you're doing. I mean, God bless you.

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Speaker 2: You're doing incredible work for people that need it the most,

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Speaker 2: and so I thank you for your time.

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Speaker 1: I know you're very very busy.

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Speaker 2: Brad Peers from home Matters, you can check it out

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Speaker 2: at homematters dot com. Brad, thanks for your time, man.

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Speaker 2: I hope you have a great rest of your day.

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Speaker 3: Tom, thanks for having me appreciate.

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Speaker 2: It absolutely eight twenty two on the Morning Show. I'm

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Speaker 2: telling you, man, it'll open your eyes in a hurry.

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Speaker 2: You know, we can go through life and not face this.

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Speaker 2: It's not even on our radar, and then when it's

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Speaker 2: on your rate are I mean, it jumps on you

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Speaker 2: right now. Decisions, money, it can be it can it

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Speaker 2: can be overwhelming, and I mean overwhelming. United States Olympian,

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Speaker 2: Los Angeles. Good morning, Juliusfording.

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Speaker 6: Good morning Tom. What a nice music.

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Speaker 1: Today, It really really is. Yeah, yeah, how you doing?

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Speaker 4: Great? Great show, Tom.

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Speaker 7: I loved that interview at eight o seven about long

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Speaker 7: term care. Yeah yeah, that is such a huge topic.

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Speaker 7: I mean, it once again focuses back on health and

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Speaker 7: longevity and aging and what we're all.

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Speaker 6: Going to do. Oh just I just thought it was

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Speaker 6: eye opening.

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Speaker 2: Well, you know, and I've gotten a number of responses

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Speaker 2: already from listeners on social media with their suggestions, and

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Speaker 2: I'll get into some of those tomorrow.

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Speaker 1: With you.

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Speaker 2: Though, we always talk about, you know, all kinds of

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Speaker 2: different things I mean, we run the gamut as far

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Speaker 2: as physical health, mental health, spiritual health.

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Speaker 1: All those kinds of things.

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Speaker 2: Today we're going to get into something that all of

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Speaker 2: those things have in common, and those are excuses not

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Speaker 2: to do them right.

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Speaker 4: Right.

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Speaker 6: It's the hard stuff.

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Speaker 7: We all have excuses, and they feel really real in

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Speaker 7: our minds and our hearts. But I think the object here,

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Speaker 7: you know, I sent you the top ten excuses.

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Speaker 1: Yeah, you're like David Weiderman.

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Speaker 2: I want you to get into the top ten excuses

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Speaker 2: that you hear for people not exercising.

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Speaker 7: Are you ready here? The first one, of course, is

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Speaker 7: I'm cheating. Yeah, of course, and we talked about that

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Speaker 7: last week. Of Course, we're tired. Modern life is tiring,

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Speaker 7: and that's the way it is. The number two was

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Speaker 7: I don't have time yep. Number three, I can't stick

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Speaker 7: to a routine yep. Number four. From all my research

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Speaker 7: and talking to people, I'm not motivated or I'm bored

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Speaker 7: it exercise makes me bored.

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Speaker 6: Ye Number five, I'm too out of shape.

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Speaker 2: You know. I'm surprised me say, And this is in

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Speaker 2: no particular order. I don't think you're just getting you know,

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Speaker 2: kind of what? And number one I think there's no

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Speaker 2: doubt it's I'm too tired. But yeah, I'm too out

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Speaker 2: of shape. Well we'll circle back to that one. Continue

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Speaker 2: on six, seven, eight, nine, ten.

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Speaker 6: Okay, number six, I'm too old.

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Speaker 7: Number seven, I have a bad knee, shoulder, bum back,

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Speaker 7: you know somebody Parker, yep. Number eight, it's too expensive.

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Speaker 7: Number nine, I don't see results. We're you're looking well.

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Speaker 7: And number I hate exercise.

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Speaker 2: Yeah, I mean, yeah, I mean that is what you know.

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Speaker 2: You know what the funny one about that is? You

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Speaker 2: know where I heard that the most. I'm not kidding

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Speaker 2: when I say this, whether it's all the years I

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Speaker 2: was broadcasting baseball and the number of partners that I

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Speaker 2: had through the years in all my travels, football, NFL,

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Speaker 2: you know whatever.

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Speaker 1: Right, it was always the guys.

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Speaker 2: Who stayed in shape their whole lives, right, that was

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Speaker 2: their livelihood. That's how they put food on their table

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Speaker 2: and took care of their families. Was being in top

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Speaker 2: shape to be a baseball player or a football player.

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Speaker 2: And then I would look at, you know, a couple

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Speaker 2: of them in particular standout. I'd look into them as

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Speaker 2: they got into their fifties and sixties, and you know

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Speaker 2: they're putting on the you know, the boiler, and I

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Speaker 2: look at him like, dude, why don't you just get

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Speaker 2: out walk a little bit? He says, I'm never exercising again.

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Speaker 1: I hate it.

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Speaker 6: I love that.

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Speaker 7: We'll see that was their job, day and ship and

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Speaker 7: when they age, they didn't realize that was their gift.

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Speaker 7: So they were all these gifted athletes and instead of

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Speaker 7: turning their gift into something where they were aging gracefully,

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Speaker 7: they walked away from it like it's a job and

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Speaker 7: exercise and staying healthy is not a job, it's life.

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Speaker 7: And also reframing it, Tom, it's not like we need

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Speaker 7: to exercise to be a better exercise or a better

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Speaker 7: baseball player, better football player.

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Speaker 4: It's just to be better.

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Speaker 7: And that how you define that is, you know, to

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Speaker 7: be a better parent, to be a better worker, to

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Speaker 7: be a better colleague, to be a better person.

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Speaker 4: And it's a different way to reframe it.

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Speaker 7: But when you're healthy and you feel good and you're

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Speaker 7: able to play with your grandkids or go on long

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Speaker 7: trips or just be able to go walk with a friend,

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Speaker 7: that's aging gracefully and that just makes us better.

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Speaker 1: So I want to walk through.

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Speaker 2: I want you to give me the Julie Isfording response

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Speaker 2: to these, and some of them might be the same,

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Speaker 2: but some of them are are considerably different as far

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Speaker 2: as excuses are concerned. The number one, without a doubt,

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Speaker 2: I'm too tired. If somebody said that to you, you

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Speaker 2: would say to them.

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Speaker 6: We talked about this last week.

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Speaker 7: Most of your tiredness is not from physical It's because

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Speaker 7: your stress. Because modern life is busy. You have a

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Speaker 7: lot of screen time, a lot of stress. The number

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Speaker 7: one way to get rid of stress is movement, whether

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Speaker 7: you go for a walk or go to a yoga class,

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Speaker 7: just to move. And it might not seem like it.

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Speaker 7: You know, it's like, wait a minute, I need energy

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Speaker 7: to exercise. No exercise gives you energy back, and that

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Speaker 7: energy is taking away all that time you've spent working

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Speaker 7: or parents or driving, or all your obligations. I think

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Speaker 7: once you start like just spending time just moving, just

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Speaker 7: a walk, lower the bar, twelve minutes, fifteen minutes, twenty minutes,

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Speaker 7: it will change your life.

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Speaker 4: And I really believe that.

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Speaker 6: But people have to believe it for themselves.

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Speaker 4: You just have to.

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Speaker 6: It's the old saying, like from.

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Speaker 4: Nike, just do it.

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Speaker 7: I'd like to add the word again and just do

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Speaker 7: it again and again, keep showing up.

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Speaker 2: You know, the one about yeah it will and the

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Speaker 2: one about I don't have time.

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Speaker 1: You know, this is one that I have used a

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Speaker 1: lot myself.

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Speaker 2: But then when when say, I know, I do have time,

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Speaker 2: and I'll go in and do whatever it is you're

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Speaker 2: gonna do. You go into a health club, you go

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Speaker 2: out for a walk, you go out for a run, whatever,

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Speaker 2: I And sometimes I'll catch myself paying attention to how

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Speaker 2: long it actually took, and then I say to myself, Man,

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Speaker 2: the next time I try to use that as an excuse,

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Speaker 2: I now know in the back of my mind that

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Speaker 2: this doesn't take up nearly as much time as I

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Speaker 2: thought it did. That's perfect.

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Speaker 3: You kind of lover the bar.

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Speaker 7: Like people high expectation because the world tells us, well, exercise.

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Speaker 4: You need a color, you need to sweat, you need

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Speaker 4: to do all this. But that's not true.

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Speaker 3: Fifteen minutes, twenty minutes, all that.

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Speaker 6: If you don't need a lot of time.

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Speaker 4: And you know what we keep.

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Speaker 2: Saying, Julie, we are losing the connection with you. I

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Speaker 2: thank here for a second, Oh you are there, you

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Speaker 2: are now you're back okay, go ahead.

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Speaker 1: What you were saying go ahead?

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Speaker 7: Well, I you know, when we keep saying we don't

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Speaker 7: have time to exercise, I think what we really mean

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Speaker 7: is we haven't decided it matters. Yeah, so I'm never

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Speaker 7: going to be able to find an extra hour in

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Speaker 7: your day. So it's really kind of looking at your

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Speaker 7: life and saying, what are the things I'm doing.

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Speaker 4: That don't really matter?

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Speaker 7: And how can I put exercise into that. You know

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Speaker 7: your day and you don't need an hour.

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Speaker 6: You just need a decision ten minutes.

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Speaker 4: So walk around the block. You know, the goal isn't perfection.

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Speaker 7: The goal is just the proof proof that you're someone

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Speaker 7: who takes care of yourself.

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Speaker 2: I want to use the ones that have the word too,

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Speaker 2: as in too okay, and I think you can lump

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Speaker 2: some of these together, these two especially I'm too old,

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Speaker 2: I'm too out of shape. I mean, look, since the

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Speaker 2: beginning of mankind, most people, at one point in time

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Speaker 2: or another, most in their lives could use one or.

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Speaker 1: Both of those as an excuse.

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Speaker 2: But again, you know, you read so much Julie about

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Speaker 2: how justin you talk about this all the time, but

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Speaker 2: more and more studies just going for a twenty five

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Speaker 2: or thirty minute walk and the staggering difference it can

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Speaker 2: you make in your life and if you're overweight, or

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Speaker 2: if you're old, or if you're out of shape, whatever

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Speaker 2: it might be, if you could just start simple right, Well.

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Speaker 4: It's the word is start.

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Speaker 7: Yeah, you know, everyone begins somewhere, and I think sometimes

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Speaker 7: you're afraid you're going to fail or something.

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Speaker 6: You're not going to fail at this, so you know,

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Speaker 6: give it a whirl. It's really interesting.

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Speaker 7: I teach a yoga class at this and say our museum,

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Speaker 7: and I have to say, I have a person there

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Speaker 7: that's eighty and I have a person there that's sixteen,

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Speaker 7: and we're all in this room together. And I always thought,

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Speaker 7: you know, the people can't do everything with quick coming,

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Speaker 7: and that's not true. They keep showing up because they're

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Speaker 7: having fun, and they're doing it for other reasons. They're

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Speaker 7: not doing it to become the best yoga person.

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Speaker 4: They're just doing.

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Speaker 7: It to have fun and just to see a one

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Speaker 7: percent improvement each time they show up. And the laughter

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Speaker 7: and the ability to laugh at yourself and to just

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Speaker 7: know this is just about kind of being a kid

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Speaker 7: again and exploring things, not having high expectations and just

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Speaker 7: showing up and finding the good in it all. So

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Speaker 7: making exercise. Maybe we should change the word or something,

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Speaker 7: but nobody's ever too old or too out of shape

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Speaker 7: because you always you just have to decide what matters

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Speaker 7: to you, go for it and not worry about what

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Speaker 7: anyone else thinks but yourself.

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Speaker 2: Yeah, there's no And you could use that in a

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Speaker 2: multiple of topics in life, and we'll get to that

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Speaker 2: some other time. And then one that one that stands

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Speaker 2: out to me because we live in a world where

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Speaker 2: we want everything fast and we want it right now.

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Speaker 2: I mean, believe me, I want to be able to

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Speaker 2: work out for the next two day and look like

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Speaker 2: I have an eight pack or a six pack whatever

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Speaker 2: they help with those of the six packs, I have

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Speaker 2: a Budweiser written on it. Right, They're not in my stomach.

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Speaker 2: But you know what I'm getting out here is that

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Speaker 2: we're always looking for something where I got to see

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Speaker 2: the difference looking in the mirror on the scale right now, right.

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Speaker 7: Now you want to Yeah, well, first of all, results

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Speaker 7: do leg behind your effort. And then the other thing

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Speaker 7: is you're going to feel better before you look different.

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Speaker 7: And I think a lot of the things people are

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Speaker 7: tracking are not as important.

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Speaker 6: Like if you feel better, it might not show up

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Speaker 6: on the scale.

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Speaker 7: You look better, you find more yourself with more energy,

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Speaker 7: you're in a better mood.

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Speaker 6: That helps.

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Speaker 7: And also, I hate to say it, but progress isn't linear.

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Speaker 6: You know, it's messy.

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Speaker 4: It is hard.

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Speaker 7: You have good days and bad days in life. You

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Speaker 7: have good days and bad days. And exercise. I mean,

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Speaker 7: we just got off watching the Olympics. The best in

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Speaker 7: the world have good days and bad days. So same

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Speaker 7: with your working out. Yeah, some days you won't want

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Speaker 7: to do it.

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Speaker 4: Keep showing up.

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Speaker 7: Other days you will feel old and you will feel

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Speaker 7: like you don't want to do it, and you will

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Speaker 7: feel like an amateur.

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Speaker 4: That's okay, that's what it's all about.

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Speaker 7: And just continue to just say, stay true to yourself,

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Speaker 7: and you know, keep just enjoying what it's meant to

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Speaker 7: do and it's meant to just make you feel better

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Speaker 7: so that we all age gracefully and we're able to

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Speaker 7: have a quality life where you are able to do

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Speaker 7: more of the things you love to do because you

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Speaker 7: spent the time doing the important stuff, and that is

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Speaker 7: taking care of yourself.

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Speaker 1: No doubt about it.

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Speaker 2: No doubt about it, Jules, I hope you have a

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Speaker 2: great rest of your day. Love these conversations we have

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Speaker 2: each and every Tuesday. For those of you that are

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Speaker 2: hearing this for the first time, Julie is Fording joins

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Speaker 2: us every Tuesday at this time and she will get

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Speaker 2: you dialed in wherever it is you're searching. I promise

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Speaker 2: Jules have a great rest of your day.

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Speaker 6: Oh you too, Tom, Thanks so much.

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Speaker 2: Julie Isfording. She is the best. Love having her part

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Speaker 2: of the morning show team. All right, let's check