Savvy Senior: How to Fight Back Against Age Discrimination in the Workplace
Narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
What are the steps to take to fight against age discrimination in the workplace, and where can I turn to for help if I think I’ve got a case?
Passed Over Paul
Dear Paul,
If you believe your age has cost you in the workplace – whether it’s a job, a promotion, or a raise – you have options for fighting back. Here’s what you should know along with some steps to take against this illegal workplace activity.
Savvy Senior: What Is the Retirement Saver’s Credit and How Does It Work?
Narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
Can you explain to me how the retirement saver’s tax credit works? My wife and I are in our fifties and are looking for creative ways to boost our retirement savings beyond our 401(k). Is this something we may be eligible for?
Struggling to Save
Dear Struggling,
If your income is low to moderate and you participate in your employer-sponsored retirement plan or an IRA, the Retirement Savings Contribution Credit (aka “Saver’s Credit”) is a frequently overlooked tool that can help boost your retirement savings even more. Here’s how it works.
Savvy Senior: How to Ease the Winter Blues
Narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
What can you tell me about seasonal affective disorder? I’ve always disliked winter, but since I retired and am home a lot more, the gray, cold winter months make me feel really blue.
Sad Sam
Dear Sam,
If you get depressed in the winter but feel better in spring and summer, you may indeed have seasonal affective disorder, or SAD, a wintertime depression that affects roughly 5 percent of Americans.
In most cases, SAD is related to the loss of sunlight in the winter months. Reduced sunlight can upset natural sleep-wake cycles and other circadian rhythms that can affect the body. It can also cause a drop in the brain chemical serotonin, which affects mood, and can increase the levels of the hormone melatonin, which can make you feel more tired and lethargic.
If you think you may have SAD, a trip to your doctor’s office is the best way to diagnose it or you can take a SAD “self-assessment” test at the Center for Environmental Therapeutics website at CET.org/assessments. If you find that you have SAD, here are several treatment options and remedies that can help.
Jim Miller Light therapy: The most effective treatment for SAD is sitting in front of a specialized light therapy box for 20 to 30 minutes a day, within the first hour of waking up in the morning. Light therapy mimics outdoor light to cause a change in brain chemicals linked to mood.
While you can buy a light box without a prescription, it’s best to use it under the guidance of a health care provider and follow the manufacturer’s guidelines. Most health insurance plans do not cover the cost.
The best light therapy lamps provide 10,000 lux of illumination, many times stronger than typical indoor light, and have a diffuser screen that filters out ultraviolet rays and projects downward toward the eyes.
Some top-rated light therapy products include the Carex Day-Light Classic Plus Bright Lamp ($145); Northern Light Technology Boxelite-OS ($205); and the budget friendly Verilux HappyLight Luxe ($70), all of which are available at Amazon.com.
Cognitive behavioral therapy: Even though SAD is considered to be a biological problem, identifying and changing thought and behavior patterns can help alleviate symptoms too. To help you with this, choose a therapist who specializes in cognitive behavioral therapy and who has experience in treating SAD. To locate someone in your area, Psychology Today offers a search tool at PsychologyToday.com/us/therapists/cognitive-behavioral-cbt.
Antidepressants: Some people with SAD benefit from antidepressant treatments too. Some proven medications to ask your doctor about are selective serotonin reuptake inhibitors (SSRIs) and the extended-release antidepressant bupropion.
But keep in mind that it may take several weeks to notice full benefits from an antidepressant. In addition, you may have to try different medications before you find one that works well for you and has the fewest side effects.
Lifestyle remedies: Some other things you can do to help alleviate your SAD symptoms include making your environment sunnier and brighter. So, open up your blinds, sit closer to bright windows and get outside as much as you can. Even on cold or cloudy days, outdoor light can help, especially if you spend some time outside within two hours of getting up in the morning.
Moderate exercise such as walking, swimming, yoga and even tai chi can also help alleviate SAD symptoms, as can social activities.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.
Comments, suggestions or encouragement always welcome! We’re listening …
One Thing or Another Column: So You Think That Hurts?
Narration provided by Wondervox.
A lighthearted look at life, aging, and the absurdities of it all.
By Mark McNease
Somewhere after our fiftieth spin around the sun our conversations begin to center less on our plans for the future, and more on our aches, pains, and possibly debilitating side effects of the medications many of us take. “What did you think of your weekend in the Poconos?” becomes, “Can this really cause crippling flatulence? My doctor said it’s rare.”
I never really wanted to know about sleep apnea, or bad cholesterol, or Restless Leg Syndrome. Yet here I am, finally enjoying the benefits of turning 65—Medicare card, Social Security, a near-complete indifference to the opinions of others—while I visit one specialist or another for all these ailments. Need a new CPAP machine? Have to get another sleep test! Wondering why my legs have ached for months? Here’s a prescription that probably won’t harm you in the short term. It’s also used for Parkinson’s, but I don’t have that, so no worries. It’s just twitchy, achy legs. And that cholesterol drug you’re only supposed to take for a few months? It’s been five years.
Savvy Senior: Smart Home Devices to Help Seniors Age in Place
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By Jim Miller
Dear Savvy Senior,
I’ve been talking to my mobility challenged mother, who lives alone, about automating her house with some smart home products to make it more convenient. She’s very interested but we’d like to get your opinion as to which types of smart devices are most helpful for seniors aging in place.
Searching Daughter
Dear Searching,
If your mother is game, smart home products – such as smart lights, video doorbells and voice-activated speakers – can be very useful for aging in place. These devices can add safety and convenience to a home by providing voice and app-controlled operation, which is extremely helpful for seniors who have mobility issues or reduced vision.
Savvy Senior: How a Health Savings Account Can Boost Your Retirement Savings
Narration provided by Wondervox.
Jim Miller
Dear Savvy Senior,
I’m interested in contributing to a health savings account to help boost my retirement savings but would like to better understand how they work. What can you tell me?
Almost 60
Dear Almost,
A health savings account, or HSA, is a fantastic financial tool that can help you build up a tax-free stash of money for medical expenses now and after you retire. But to qualify, you must be enrolled in a high-deductible health insurance plan. Here’s an overview of how they work and how you can open one.
One Thing or Another: Age Is Not Just a Number
Narration provided by Wondervox.
By Mark McNease
Welcome back to the One Thing or Another column: A lighthearted look at life, aging, and the absurdities of it all.
“Age is just a number!” How many times have we heard this uttered with grating cheer, as if getting older was just a figment of someone else’s imagination. To this way of thinking, I’m not really real, I’m a number-defying sprite whose bones, sinews, and brain aren’t in their mid-60s, but somewhere preferable, perhaps 40. I have the luxury of pretending to be any age but the one I am. I’ve always cringed when I heard this, and I always will.
Age is not just a number. Age is empirical. Age is a measurement—how many times the Earth has traveled around the sun, with me on the bridge watching it all speed by. Age is the number of years my knees have carried my fluctuating weight, and how many mornings my eyes have opened to a new day. Age is the truth, and I’m not someone who wants to hide from it with platitudes, euphemisms, and make-believe.
Savvy Senior: Misleading Medicare Advantage Ads: What to Look Out For
Article narration provided by Wondervox.
By Jim Miller
Dear Savvy Senior,
I’m currently enrolled in original Medicare but have been thinking about switching to a Medicare Advantage plan during the open enrollment period. Many of the Medicare Advantage ads I’ve seen offer lots of extra benefits beyond what traditional Medicare offers and no monthly premiums. What are your thoughts?
Considering a Switch
Dear Considering,
Be very leery of the Medicare Advantage ads on TV, radio, social media and that come in the mail. While many of these ads may tout free vision, hearing, dental and other benefits with zero monthly premiums, they aren’t always what they claim to be.
Advantage Basics
Medicare Advantage or MA plans (also known as Medicare Part C) are government approved health plans sold by private insurance companies that you can choose in place of original Medicare. The vast majority of Advantage plans are managed-care policies such as HMOs or PPOs that require you to get your care within a network of doctors in a geographic area. You can sign up for one of them during open-enrollment season from Oct. 15 through Dec. 7.