If I had to recall the most dominant memories of my parents, they are these: My mother who was overly plump always talked about the next meal, and my father who had a short fuse always yelled at me when I couldn't solve a math problem. That was pretty much it. But both my parents shared something in common. They never talked to me about death. So as a result, I thought I could live forever.
My friend always says, "You were born to die." I always say, "You were born to live." Who's right? Maybe we both are. I used to daydream that I would be the breakthrough person who be subject to cryogenics intentionally, aka frozen in time, and I would wake up to a planet that seemed more like the Jetsons, a cartoon where everything was in the future like Rosie the Robot and flying saucers. But ever since my stroke, I knew that all of us--even me--have to die. It took me 60 years to realize that.
Many people don't know about long-term health care insurance (LTC), an insurance that kicks in once you're chronically disabled. They have exclusions, of course, and each long-term policy differs. In my case, if I had a stroke (which I did), I need skilled assistance with simple activities such as bathing and eating, so I'm covered. Chronic illnesses or other conditions requiring specific needs on a daily basis over an extended period of time are also covered. The
thing about insurance is this: Consider yourself lucky if you don't use
it. But that doesn't mean you don't need it. Thinking it won't happen
to you, especially if you haven't experienced significant health
problems in the past, is foolhardy.
Analysts estimate that by the year 2040, over a million people in the US will exceed 100. Currently, it is estimated that 8 million Americans have LTC.
You must qualify for LTC. Because health changes as you grow older, it's best to look into LTC before you reach retirement age. Somewhere around a person's late 40s is considered the best time to begin. Premiums among providers of LTC can vary significantly, but each insurer has "sweet spots" in pricing to make the policy more affordable. Most likely, a person is only going to buy an LTC once because it's almost never economically clever to go from one LTC provider to another. As my title says, you never know. Nobody does.
If you're working, employer-based health coverage will not pay for daily, extended care services. Medicare will cover a brief stay in a sub-acute facility or nursing home, or a small amount of in-home care, but it's not without strict conditions. That's where LTC comes in, to help cover long-term (the optimal word is long) care expenses. Some long-term care policies will even assist with the costs in modifying your home so you can be more safe in your familiar surroundings.
But as with everything, there's a wrench. Long-term care insurance options are dwindling. In fact, that's the title of the article written by Emmet Pierce for Insure.com in 2012. It all comes down to economics for insurance providers.
"The market is changing fast because of concerns over profitability," says Mike Skiens, the chairman of the National Long-Term Care Network group. "It’s getting harder to find LTC policies that offer lifetime benefits, leaving policies that offer only several years of protection."
LTC has strong attraction to people who are attempting to protect their estate from losing value. Care covered by LTC policies generally isn’t covered by Medicare, which primarily targets short-term services and rehabilitation, says Pierce.
“Now the carriers are saying there is too much risk associated with them. When you look at the increasing incidents of dementia claims, you can see why [some] carriers are no longer offering those, but they are still offering two-year, three-year, five-year, seven-year plans,” Skiens says.
The baby boomers, who are living longer, bless their ever-lovin' souls,
are the reason for the change. It's not their fault, per se, but the insurers have to worry about their profits. Consequently, LTC may become prohibitive to the middle class or, in current terms, the 99%. According to the National Long-Term Care Insurance Price Index in 2012, prices for LTC policies today are between 6 and 17 percent higher than comparable coverage only a year ago and have less options.
Allianz, Guardian, MetLife and Unum Group in the last 3 years left the LTC business, according to CBS News. When Genworth Financial, a major provider of LTC, said it was reducing LTC operations, that announcement sent shivers through the industry. None of the companies, by the way, that left the LTC market, will stop honoring the LTC policies they already have sold. (Whew!)
In the early years, insurers were less concerned with potential losses. “There was a tremendous amount of unlimited benefits being purchased,” says one analyst. “I call that the open checkbook.”
The longer you live, the more likely you are to use your LTC policy, but not everyone should buy one, says AARP. If you have to use money that otherwise would be spent on such necessities as food, shelter, and clothing, the necessities come first.
So how much is LTC? The average annual premium for a policy with four or five years of coverage sold in 2010 to someone age 55 to 64 is $2,261. While the policies are not cheap, not having LTC coverage can be even more expensive. The average annual private pay cost of nursing home care this year is about $88,000 and exceeds $100,000 in 10 states, according to AARP’s Long-Term Care Insurance 2012 update.
The base price for assisted living facilities averages $41,000 annually. Adult day services, which allow people to remain in their homes, average $66 per day. Companies that provide licensed home health aides not certified by Medicare charge an average of $20 hourly, according to the AARP report. Many insurers now will continue offering LTC policies, but they won’t be as comprehensive.
On the theory that something is better than nothing, I bought the cheapest LTC policy. That policy was all I could afford. I'm glad that I have LTC, purchased in time, when a short time later, the whole world, as I knew it, would come crashing down.
"Are you asleep?"
I whisper the words, but loud enough for him to hear it. I don't get a response--not a foot twitch, not a hand movement, not a face gesture. I get nothing. He lies down and then, somehow, he is instantly asleep. Lucky him. But to this stroke survivor, not so fast. I often get up, in the middle of the night, because I can't fall asleep and don't want to lie there endlessly for more than two hours which is my limit, waiting for sleep to overtake me.
It's unfortunate for me that I'm so active in the middle of the night. I get up and do something else, like go downstairs to my office to write, or flip through my kids' pictures--again, or listen to the night sounds of the ocean crashing against the surf. Oh, boy. I have to get up early. The vampire, aka phlebotomist, is coming at 8. *sigh* The time is now 1 AM.
First, background is needed. The National Institutes of Health say that until the 1950s, most people thought of sleep as a short, daily hibernation from our hectic lives. What we know now, over fifty years years later, is that our brains are busy during sleep, affecting our physical and mental functioning in a slew of ways. Sleep comes in stages:
Stage 1 is denoted by light sleep where we drift in and out of sleep and can be awakened easily;
Stage 2 sleep is characterized by eye movements stopping and brain waves become slower;
Stage 3 happens when slow brain waves begin to appear, combined with smaller, faster waves;
Stage 4 is the deepest sleep when there is no eye movement or muscle activity;
Rapid Eye Movement (REM) sleep, occurring about 70 to 90 minutes after we fall asleep, is when our breathing becomes irregular and shallow, eyes move quickly, limb muscles become temporarily paralyzed, heart rate increases, and blood pressure rises.
On average, the Cleveland Clinic says a complete sleep cycle takes an average of 90 to 110 minutes.
As the night goes on, REM sleep increases in length while deep sleep decreases. The amount of sleep each person needs depends on age and condition. Infants usually require about 16 hours a day, teenagers about 9 hours, adults usually about 7 to 8 hours though some people need as few as 5 hours or as many as 10 hours of sleep. In the first 3 months of pregnancy, women often need several more hours of sleep than is their typical pattern. If you're sleep-deprived, the body requires you to make it up later when you have the opportunity. You can't go without sleep for two days because sleep will catch up with you. It's a fact. Don't even argue it. You'll lose.
And most sleep studies conclude that sleep deprivation is dangerous. Sleep-deprived folks when tested perform as badly or worse than those who are intoxicated. Sleep deprivation also intensifies alcohol's effects on the body. Since drowsiness is the brain's final step before falling asleep, driving while drowsy--intoxicated or not--can lead to tragedy. Coffee, tea, or other stimulants doesn't cut it with severe sleep deprivation. The National Sleep Foundation has a rule: if you can't stop yawning and have trouble keeping your eyes focused, or if you can't remember driving over the space of three minutes, you are probably too fatigued to drive safely.
Anyway, it's the same thing one or two times every week that I can't sleep, but I'm certainly not alone. Sleep problems are usual for stroke survivors. Having a sleeping problem can be make you irritable and cantankerous, like saying "fuck" when uttering that word is uncalled for.
Sleep problems can also increase your risk for another stroke because two-thirds of stroke survivors have sleep-disordered breathing (SDB), the most common being sleep apnea. With SDB, the side effects may increase your blood pressure and cause blood clots. Signs include, despite yawning repeatedly, the inability to fall asleep or remain asleep throughout the night which, in turn, causes excessive sleepiness, attention problems, depression, irritability, and headaches during the day. SDB is a vicious cycle of events.
Treatments are tricky. Aside from sleeping on your stomach (some people say that helps with the snoring), the most successful treatment is Continuous Positive Airway Pressure (CPAP), which is a compact machine no larger than a few reams of paper, blowing heated, humidified air through a short tube to a mask which fits tightly around your nose and mouth to prevent humid air from leaking out. Albeit not good for curly air that might to turn to frizzy hair, it might help. The National Stroke Association said sleep studies using CPAP revealed that better thinking abilities and having higher energy levels were the result.
A variety of medications prescribed in the rehabilitation process can change the quantity, quality, and pattern of sleep. Medications prescribed for sleep may interact with sleep processes by increasing or decreasing the amount of time spent in sleep. The intake of medication and its timing can also influence sleep quality in a negative way and should be monitored carefully.
Inherent factors to the hospital or rehabilitation environment may, in themselves, contribute to produce sleep disturbances in some patients, like co-habitation with other patients, pain, anxiety, noise, lights, and the strict schedules for a routinized day. Then when the stay comes to an end, patients must integrate their lifestyle to accommodate the home environments. Any factor alone isn't a walk in the park, by no means.
When the patient returns home, resuming sleep patterns may not happen if these conditions are present:
* Consuming big meals late at night
* Ingesting alcohol, caffeine, and nicotine in irregular patterns
* Performing extreme exercise
* Maintaining obesity which is linked to sleep disordered breathing
* Taking naps within three hours of bedtime
* Incurring emotional upheaval
An average of 30% of stroke survivors have “circadian disturbances” or sleep-wake cycle disorders (SWDs) where your sleep regimen is no longer set by day or night. But in my mind, no matter what acronym one calls it, many stroke survivors are left with, in conjunction with other sleep disorders, the big "i"--insomnia, the inability to fall asleep. An insomniac is usually defined by the following criteria:
* Dissatisfaction with sleep quantity or quality
* Difficulty initiating and/or maintaining sleep
* Recurring sleep difficulties at least 3 nights a week
*Significant impairment in social, inter-personal, or other areas of daytime interactions
Insomnia is considered chronic when it has lasted for more than 6 months. Mine had lasted for 4-1/2 years.
Sleep is still in the partial mystery category. While researchers and doctors know something about sleep, like the regulation of the body's temperature, the conservation of energy, and immunity to disease, they don't know everything.
When it comes to rehabilitation, pioneers in sleep disorders, Canadian researchers Marie-Christine Ouellet and Simon Beaulieu-Bonneau, said even though problems with sleep are often regarded as minor problems, the lack of sleep is developing into a serious problem. It can retard rehabilitation and make a difference for patients in their outcomes. With the efforts involved in rehabilitation, it is important to deem sleep disorders as possible roadblocks to the entire rehabilitation process.
Indeed, it was a roadblock for me. I don't think I was in a state of mind to receive therapy as soon as I did. So should there be time allowed before the stroke patient is ready for therapy, or should therapy start right away even though the patient's not ready to receive it? I don't know the answer. Nobody does. And hospitals don't have the money for psychologists to pave the way for therapy.
It's 2:30 AM now as I write this post. Sleep is the furthest thing from my mind.
