For many older adults, staying healthy and maintaining independence can be critical concerns that require constant attention. Managing chronic healthcare problems can be challenging, especially for retirees on fixed incomes. Finding the funds for necessary medical procedures can be financially draining and can limit resources for other ongoing expenses. Establishing a comprehensive treatment plan with your physician can help you deal with the challenges of chronic medical conditions more effectively over the long run.
Finding the right strategies for managing your finances can provide you with valuable peace of mind when major medical issues arise. Maintaining a comfortable buffer in a health savings account, flexible spending account or interest-bearing savings is a good way to manage unexpected co-payments, prescription costs, deductible amounts and other expenses.
If you have no minor dependents, you may be able to convert your life insurance policy or policies into cash through a life settlement arrangement. These innovative financial transactions allow you to obtain more than the value of a cash surrender and can free up funds you may be using to pay premiums on these policies, making them an ideal solution for many seniors. Other funding options include reverse mortgages, downsizing to a smaller home and cutting back on nonessentials to save money.
Staying Fit and Healthy
Working with your primary care physician to create a workable fitness regimen suited to your tastes and to your medical requirements can help you maintain your health more effectively. Choosing the right exercise plan can improve your mood as well as your physical condition:
• Swimming is ideal if you have weight problems or if arthritis is a concern. This healthy exercise creates minimal stress on joints and allows freedom of movement to a degree not possible on dry land. If you are just beginning your fitness plan, swimming or low-impact water aerobics classes can be a safe and enjoyable way to start.
• Yoga is an ancient practice that focuses on breathing techniques, specific physical positions and spiritual concentration to allow practitioners to achieve a peaceful state of mind and body. Beginning yoga classes can provide older adults with increased flexibility and may even facilitate greater mobility.
•Low-impact aerobics courses are designed to increase the heart rate and improve overall cardiovascular health. Teaming up with your spouse, a friend or a family member can make these exercise routines much more enjoyable.
Be sure to consult your physician before starting any exercise program to ensure that you are physically ready for these activities.
Healthy Diet Plans
Adding fresh fruits and raw vegetables to your daily diet can often improve your health to a surprising degree. These natural foods are often high in antioxidant ingredients and can provide you with the nutrients you need to provide fuel for your exercise programs and energy for your daily activities. Opting for whole grains and less processed foods can increase your fiber intake and improve the health of your digestive system as well. Diet is especially important for diabetes patients and can significantly reduce dependence on insulin for some individuals with this serious condition.
By taking steps to improve your overall financial and physical fitness, you can often manage chronic conditions more effectively and can ensure a healthier and happier retirement.
Mary Sutton- Mary is a Senior Writer for Fertile Content and a frequent guest contributor to many blogs Google+
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