Did I Retire Too Early? When Is The Right Time to Retire?

Time to Retire

Hit your 60’s and you are bombarded with lots of advice on when the best time to retire and start taking that social security check. Some advisors suggest you should wait as long as possible so that you receive a larger monthly check during your retirement. Others say you should start taking it earlier. They believe that you may be leaving money on the table for the long haul. And still, other advisors may suggest that the wife takes her check early and the husband delays as long as she can. The thought behind this is that most women will outlive their husband. As such when he dies, she will receive his check instead of hers. If he can wait, his check will be larger ensuring a better retirement for his wife.

The Truth is Everyone’s Situation is Different.

My own father was forced into early retirement when he suffered a stroke at age 63. After a couple of years, he took a part-time job doing real estate appraisal work. It was great because he could set his own hours and Mom could go with him and help. It gave them some extra “spend money” for eating out and watching a movie once in a while.

They were able to work into their mid-70’s. And they enjoyed what they were doing. Dad lived to be 91 and Mom 93. Going back to work was a smart step.

A couple of friends have recently taken early retirement. I have changed their names for privacy reasons. But their stories are being played out across the nation.

Bill and Angie Decided to Take Early Retirement.

time to retire

Photo by Matheus Bertelli from Pexels

The also decided to sell their “too large” home and move into an RV. They planned to stay on the road for about 5 years and then settle close to their children in Colorado in a much smaller home. Angie was 62 and Bill 63. They started taking their social security check at that time.

“We didn’t need the large home anymore. And we were tired of the upkeep. Getting rid of most of our possessions was freeing. And both Bill and I have not really missed anything.” Angie

But the cost of living keeps rising. Groceries were a lot more than they budgeted for. And the cost of living in an RV is not as cheap as we thought it would be. The gas to pull the vehicle is a lot and the RV rental places are not that cheap. Sometimes they boondock (a term that basically means Dry Camping parking anywhere without or with limited amenities) But places to do this are not always available and they miss having amenities like a place to wash your clothes and to dump your sewage.

The Honeymoon Phase Wore Off

“The first six months were great. It was like being on an extended vacation. But the honeymoon phase has worn off. We are getting bored. And we have to really watch our budget. This is something we have never really done before. A few health conditions recently ate into some of our savings. I think it is time to get back to work”

Since Bill is a master carpenter, he has been able to pick up a few jobs here and there. But the nomadic life does not make it that easy to create some steady work. This couple is now looking for a small affordable home where they can settle down. Bill can get a small customer base.

But Angie worked as a massage therapist and does not see that in her future. “Arthritis in my hands has gotten really bad,” she told me. She is looking into pet care. Dog walking and pet sitting may giver her the flexibility in her schedule she desires and will keep a few extra bucks coming in also.

“I wish we would have stayed at our jobs a few more years. We could have saved more money and our SS checks would be larger. But we can’t look back. We just have to look for opportunities now.”

When Retirement Isn’t Your Choice

Paul and Lisa were in a different situation when they took early retirement. Paul had been laid off from a job he held for 38 years. It is a common story these days. Having worked that long for one company did not make Paul a desirable employment catch he soon found out. His age was already a strike against him and the longevity with his company was strike two. Employers were concerned that Paul may not be able to blend into a new company culture very easily.

After a few rejections, Paul decided to claim his social security check at 62 years old. Both he and Lisa took their checks. And they continued to live life just as they always had done when he was employed.  Big dinners out on the weekends and vacations continued. But they started having to take more and more money from their retirement accounts. Paul’s Mom became sick and when he realized how much it cost to bring in help, he got worried. What if something happened to Paul or Lisa?

From Retired To Working Again

At 65 Paul has returned to the workforce. He is hoping to be able to work until he is 70.  Lisa continues to collect hers. But they both decided that as long as he is working, they will live off his paycheck. Lisa’s SS check will be put into a Roth IRA. This way they will be in a better place when they are ready to retire again.

Planning ahead for all of life’s twists and turns is important to do. The Hilbun Law Firm can help you make sure you are prepared for unexpected health issues. Attend an Estate Planning Workshop today.

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Dementia Diagnosis? The First Step You Should Take

 

 

A dementia diagnosis can bring up a lot of feelings. After all, you will be grieving.  It is not uncommon for someone to become depressed after this diagnosis. And you will probably experience fear. What will the future bring? You may worry about your loved ones. How will they handle this disease? Will you become a burden?

And to make the situation more difficult some days you feel and act like your old self. You may begin to wonder if you really have dementia at all. This is because dementia does not follow a straight-line progression. Instead, it will weave and wind leaving you and your family more confused than ever. In fact, you may think you have a lot more time to make plans than you really do.

Time to Craft a Plan

But time is of the essence with a dementia diagnosis. The truth is you may be very self-sufficient for a number of years. And then a sudden downturn could occur. A visit with an Elder law attorney can help you make a solid financial and legal plan for you and your family.

Medicare Will Not Pay for Your Care

A lot of families believe that Medicare will take care of all of their needs. This is not the case. Medicare will pay for medically related issues. Hospital stays, rehabilitation and a few other medical services may be available to you. But it will not cover bringing in-home care workers to help. It will not cover an assisted living, memory care or nursing facility. These services are private pay.

You May Qualify for Medicaid

Hurricane Season 2017- Stay or Go

Medicaid will cover care in a nursing home and sometimes some home care. But you must qualify. An elder law attorney can help you to look at and analyze the different options that may be available to you. If you are able to qualify for Medicaid they can help you fill out the appropriate paperwork. Also using trusts and other tools, your attorney can help you and your family be in the best position possible when you need more care.

It Takes A Village

A good Elder Law Attorney is connected to other professionals in the community who can help you. They will know about the resources the community has to offer. Furthermore, they may also know about non-profit organizations who can help if you need. Your attorney will be a valuable partner on this journey.

The Hilbun Law Firm offers free workshops just about every week. They are designed to help you get the information you need to make the right plan. Do not delay. Time is of the essence. Options that will be available now may not be available if you wait. Take a look at our schedule now!

 

Medical Directives- Helping You Have Control Over How You Die

 

While we all hope that we will just drift away and die in our sleep one day, the reality is this is not what usually happens.

Portrait of beautiful smiling 45 years old woman

Judy and her two sisters wanted to do everything possible to keep dad alive. They were willing to do whatever measures were available to keep him alive. And to keep their hope alive. A feeding tube was inserted to help dad get the nutrition she needed. He was given antibiotics to keep infection at bay. One medical intervention after another was offered. The sisters accepted everything hoping and praying for a miracle.

Their brother John, on the other hand, was appalled. “This is not what Dad would have wanted! We need to let him go!”

His sisters accused him of not caring. The said he was being selfish. And so, the family divide began.

And in the end, Dad died. After all, he was 88 years old. No matter what they tried he was just not able to recover from the stroke he had.

And the damage had been done. His children were no longer speaking.

Do you want life-sustaining treatment when you are nearing the end?

Whether the answer is yes or no to this question doesn’t matter. This is a personal choice. What does matter is that your family knows your wishes? And it needs to be in writing. Everything should be clearly spelled out. There are two documents that you should have in place. One is a DNR and the other is a POLST.

What is a DNR?

DNR stands for Do Not Resuscitate. This order alerts doctors, nurses, and emergency personnel that cardiopulmonary resuscitation (CPR) should not be used to keep a person alive in case of a medical emergency.  Someone who is ill may want to refuse any life-sustaining treatment. As such they may have a DNR on file with their doctors, hospital and other personnel.

What is a POLST?

This acronym stands for Physician Order for Life-Sustaining Treatment. This is a binding document with your doctor. It is kept as part of your medical files. A POLST declares a patient’s preference for receiving certain life-sustaining treatments. Other treatment options the patient does not want will also be included as a part of this document.

If you do not want to have a feeding tube, antibiotics or to be hydrated you need to make your wishes known. Had Judy and John’s dad had this document in place the family may still be intact. Instead, harsh accusations were made in a time of grief.

This document should be made when you are not in a medical crisis that could affect your decision making.

And there are other documents you also need to have in place. Planning ahead will help your family make the best decisions for your care according to your wishes.

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The Hilbun Law Firm offers free weekly Workshops.  Both evening and lunchtime workshops are available. RSVP for one today! View our calendar.

 

Scams Target Seniors

3 Financial Scams that Target Seniors

 

“My grandfather lost everything!” Sarah declared. “They took his life savings. And now when he needs to money to pay for a nice assisted living he doesn’t have it. I am so angry about this. I don’t know what we will do. I guess my mom and I will try to care for him as best we can. After all, he was always there for us. But it’s not what he wanted. He feels embarrassed and he is pretty depressed also.”

Targeting Seniors

Scams Target seniors

Financial scams are rampant. And the prime target is our senior citizens. The people running these scams are clever and convincing. They know which buttons to push. And they know how to trigger the emotions like fear and worry.

Furthermore, these scammers know that the risk is low. Many seniors are too embarrassed to tell others what has happened.  So, they often go unreported. The bad guys are counting on this.

But don’t think they just target the wealthy. No indeed. Seniors who are already struggling can fall prey also. Often losing what little they had.

The Grandparent Scam

Scams Target seniors

Yes, this one has been around a long time. And yet many seniors are still falling prey to this one.

A child will call ad usually ask Hi Grandma or Grandpa do you know who this is?  The victim of this scam will then usually say a child’s name giving the scammer the information they need. Then they will pull on the heartstrings confessing to the grandparent that they have gotten into some trouble and need some help. They beg the senior not to tell mom and dad because they will be in big trouble. Then they ask for money (for overdue rent, car repairs, etc.) They will ask that the money is sent by western union or Moneygram because ID is often not required to collect. The amount is usually in the hundreds and may be repeated.

Investment Schemes

There are a lot of different investment schemes that target seniors. Seniors are often concerned because they are no longer working. They are looking for ways to grow what money they have left to keep up with the high cost of living. Pyramid schemes like Bernie Madoff’s targeted a lot of seniors. And the Nigerian prince looking for a partner to claim inheritance money is still targeting our most vulnerable seniors.

You may have trouble believing that your parent could fall victim to one of these scams.

But it happens. Sometimes cognitive impairment or Dementia is to blame. Family members may not even be aware that Dad is having a problem with his memory and though process. Parents are often very good at hiding their problems from the children. And the adult child often does not want to see that there is a problem. Dad is just eccentric, they believe. That is until the money is gone.

Telemarketing and Phone Scams

Scams target seniors

It is no surprise that telemarketers target older folks. They are often home alone all day. As such they will gladly pick up the phone and chat with the nice person on the other end. These smart scammers also know that seniors make twice as many purchases over the phone than the national average.

And these scams are incredibly hard to trace. There is no paper trail and no face to face interaction. Furthermore, once a successful scam has taken place, the buyer’s name is then shared with similar schemers looking for easy targets.

“Luckily my sister decided to help mom with her banking. Unfortunately, it was too late to save her from losing some of what little money she had. Sharon noticed that Mom had an automatic withdrawal on her account. For the last 6 months someone was withdrawing $150 a month. When questioned Mom seemed confused.  The bank could not stop the transactions because the scammers had a recording of mom agreeing to the monthly withdrawals. Our banker said that most likely they engaged mom in a conversation and recorded it. They then spliced together the right words to make it sound like she had agreed. We ended up having to close out the bank account and start a new one somewhere else.” ~Kay

There are a number of different telemarketing scams that go around.

The key is to pay attention to what is going on in mom or dad’s life. Ask them if they would like some help with the finances. This can be a touchy subject. But it is smart to have someone on the account to monitor any unusual behavior. If you are able to go in weekly and look at the transaction you may be able to stop a problem before it gets out of control.

Make sure your children tell their grandparents that they will never call them for money. Furthermore, make sure they understand that this is a scam when it happens. They should tell the person on the other line that they will call them back. Then hang up immediately and call their grandchild.

Hopefully, this never happens to you or someone you love. But if it does tell others so they will not fall prey to the same problems.

 

Honoring Mom

Honoring Mom- 5 Ways to Really “Be There” For Mom

 

 

“I really want to be there for mom.” Beatrice said. “She did everything to help me growing up. Then later when I was in an abusive marriage she helped me and my children. She took us in when we had nowhere to go. And we lived with her for two years while I finished my degree. Mom is 80 now. She is very proud and wants her independence. I really want to “be there” for her and at the same time I do not want to take away her independence”

 

This is a slippery slope many adult children are learning to navigate. We want to honor mom’s wishes and yet we are concerned for their safety and well being. Where do you draw the line?

Here are 5 ways to really “be there” for mom.

1.Help Her Stay Social

Honoring mom

Loneliness can be deadly. Staying social will not just keep mom happy, it will keep her healthy as well. In fact, researchers have found that Late-life depression may increase the risk of incident dementia, in particular of Alzheimer’s disease and vascular dementia.

Additionally, if mom gets depressed she may not eat right, remember to take her medication or get any exercise. All of these things can affect her physical health as well.

So, What Can You Do?

Finding The Best care For mom

Find senior centers and organizations in your area of town. The local YMCA also offers a lot of special classes for seniors. Most people who join end up making a lot of new friends.

If your mother can no longer drive to attend these activities, arrange for transportation. A caregiver agency like Right At Home is partnered with LYFT to provide safe and reliable transportation for seniors in the Cypress, Texas area.

 

2.Hire home care or a housekeeper to help because she is worth it

senior woman with her home caregiver

Mom may tell you she doesn’t need any help. Tell her that she is worth it and you want her to have the best. If she is really hesitant just start with one day a week. Have a schedule of what you would like the care companion to help her do. Maybe making a grocery list, ordering them online and then picking them up later. You could also have the caregiver plan a week of meals and cook a few to freeze.

3.Call Every Day

Yes, even when you are incredibly busy! You do not have to talk very long. But a few minutes to check in can mean so much to someone living alone. If you live far away and cannot see mom often try doing video chats. If Mom has trouble with the technology to make that happen the caregiver could set up the call for her while she is there. Even better, have her set up the call right before she leaves. Make sure to mark this time off of your calendar so you can give mom your undivided attention.

Bob lives in Nevada and his mom is in Cypress, Texas. They do Facetime every morning while they are both having their coffee.

“It’s great! I get to see how she is doing. I know if she didn’t sleep well or is not feeling good. I can relay that information to friends and family close by so they can check in. I think she really enjoys seeing me also and hearing about my life.”

4.Help Protect Her From Scams

Sad but true, scammers prey on the elderly.  The grandparents’ scam (telling the senior that their grandchild is in deep trouble) is a common one. There are also people posing as representatives from Medicare, social security and the IRS and calls with offers for free or discount medication. For seniors that use the internet, they can be vulnerable to even more.

Honoring Mom

Most seniors are terribly embarrassed when they fall victim.

“I felt so stupid Athena told me. I can’t believe I fell for this.”

But the truth is these people are often savvy professional crooks. They know exactly what to say to push your buttons and get you to fall for their schemes. And women over 80 who have lost a spouse or moved in the last three years are most vulnerable.

So, What Can I Do?

Talk to mom about these scams. Don’t lecture or warn her. Nobody wants to be lectured especially by their children. You want to keep the conversation as open as possible. That way if there is a problem now or in the future Mom will feel comfortable talking to you.

Just talk about the different scams you have heard are going around. Ask if any of her friends have been targeted. Having a conversation is the first step.

Honoring Mom

Secondly, you might suggest that you be added to her online banking accounts as an added security. This way you can look for any unusual or large charges that may be a red flag. If Mom will allow you to take over her finances that may be the best option. But don’t expect it to happen. Much like giving up the car keys this is something most seniors want to have control over.

Third, take a look at the mail that she is getting. If she is getting a lot of mailings from promotion companies could indicate the elderly person is on a “sucker list”.

5.Take Mom to An Estate Planning Workshop

Ask her to go with you because you don’t want to go alone. After all, you both need this information. People are sometimes hesitant to talk about finances and future long-term care plans. But if you don’t talk about it now you may find yourself in a world of hurt down the road.

 

The Hilbun Law Firm offers these workshops free every month. We have both daytime and evening workshops. Rest assured you will not be pressured to do anything. And the information will be invaluable to both of you. get the updated workshop schedule here.

 

What If Mom Outlives Her Income?

“I am worried that mom may outlive her income. What will happen then?” Asked Claire

 

This is a common worry for many adult children. With the cost of living continuing to rise and the needs of an elder loved one increasing also, you are right to be concerned. After all, you need to be a good money manager.

Worried about college bound children

“Our goal was to keep Mom out of a Medicaid nursing home bed. Having worked in the industry I knew that once money runs out and you need to go on Medicaid your choices are very limited. Mom had dementia. The truth is there are not a lot of facilities who accept Medicaid and are trained in caring for someone with dementia here in Texas.” ~Emily

 

Emily is right. The truth is if you are looking for a secured facility for someone with Alzheimer’s disease or another type of Dementia you will probably have a hard time in Houston Texas. They’re just are not a lot of them that accept Medicaid.

Old woman with her son

Perhaps your mom doesn’t need a secured unit because she can no longer walk. You could still run into the problem that Lori ran into. The nursing home where her mom was insisted that Lori come every day from 4 in the afternoon till 10 at night to take care of her mom.

Her Mom suffered from sundowning. This is common in people with dementia. It causes behavior changes. Someone who has this will often become very agitated. This is what happened to Lories Mom. She would scream, “Help, help, help!”, over and over again.  If Lorie refused to come the nursing home threatened to throw her mother out. Unfortunately, this happens a lot. Most nursing homes are short staffed and someone with dementia may need a lot more attention and care than is available.

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Sometimes planning ahead can make a big difference. Sitting down with an elder law attorney just makes sense if you’re concerned. Most attorneys offer complimentary workshops or consultations. See our workshop schedule here.

 

Also, an elder law attorney is very connected in the community.  They are connected to financial advisors, hospice and home care companies, elder care advisors and even nonprofits that may be able to help you. They will know about many different resources that you can use to help stretch your dollars.

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Often what we see is that the children wanted mom to have the very best. So they put her in the most expensive and luxurious place they could find. Chances are they felt guilty placing her at all. And they wanted her to have the best. They may have thought that mom had just a couple of years left. But then they began to realize that Mom just might live quite a while longer. As the money began to drain out of her accounts, they began to get worried.

 

Sitting down with an elder law attorney in the early stages is the best option. This way plans can be made. And if there is little money and you know that eventually, mom will probably end up in a Medicaid facility you can plan for that. You can also find ways to stretch those dollars to buy more time.

 

When Robert and Carol brought their MIL to Houston after a broken hip they had choices to make. They could place her in a large assisted living facility with care 24/7 or they could place her in an Independent Living Community with a minimal amount of additional home care.

Since they lived close by they could visit often and help out. Carol could do her laundry each week and Robert could make sure she got to her doctor’s appointments. The community supplied all meals, entertainment and activities and some light housekeeping services.

Aging parent- reason to hire elder law attorney

For a few additional $$ they had the home care company help her get up in the morning. They helped her dress and made sure she took her medication. A caregiver would also come at night and help her change into her PJ’s. More services could be added as needed. And about a year later more services needed to be added. After 2 years, the time had come to move her to an assisted living facility. She needed someone to be available around the clock. But they saved about $50,000 placing her in the independent living community for those first two years.

 

Knowing what is available and where to go can make a huge difference. Planning ahead if a Medicaid bed is in your future can make sure that you are able to find one when the need comes. If you wait until the money is all gone you may be in for a shock. With proper planning, you will have time to visit and choose the best facility for your loved one. You will need to move in before the money runs out with the understanding that you will be given a Medicaid bed when you need it. Your attorney can help you work with the facility you choose.

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The truth is nobody knows how long someone will live. And even though it seems like Mom has a lot of money it is important to be prudent and spend those dollars wisely.

Seniors And Their Pets- What You Need To Know

Seniors and Their pets

I think most people nowadays have probably read or heard about all of the wonderful benefits of pet ownership. There is no doubt a host of big benefits.

 

  • Lower Your Blood Pressure– The Centers for Disease Control and Prevention (CDC) says that having a pet has the potential to lower blood pressure.
  • Lift Depression and Help With Post Traumatic Stress-In fact, At Walter Reed Army Medical Center, they’re using dogs to help soldiers dealing with post-traumatic stress disorder.
  • Stress and Anxiety is Reduced– In fact, researchers at the University of New York at Buffalo discovered that people who were performing a stressful task experienced less stress when their pets were with them than when a family member or close friend was nearby,
  • Can help you stay more active. Having a dog and getting in the habit of taking them for daily walks will benefit you both. Dogs are great walking buddies. And even when you just want to be a couch potato, your dog will urge you to get up and move. After all, who can resist those begging eyes?

But there are things you need to think about as you get older.

Seniors and Their Pets

My mother-in-law had a cat. Her little cat Callie was a sweet little cat and Pat loved her dearly. But she never thought about what would happen to Callie if something happened to her.

In fact, we are caring for Callie now because when my mother-in-law got to the point where she could no longer take care of her. A stroke and dementia, coupled with Rheumatoid Arthritis made it impossible. We had to step in.

What Happens If You Can’t Care For Your Pet?

So, this is the first Challenge and something that all seniors should think about. What will happen to your pet if you can no longer care for them? No one wants to imagine their beloved pet being sent to a shelter.

A Stroke Changed Everything

Seniors and Their Pets- Stroke

Beatrice loved her two little corgis. She took them just about everywhere she went. They were her life and she loved them. But when Beatrice had a stroke the ambulance came and took her away. Her two precious animals were left to fend for themselves in their house.

Her family lived far away and didn’t arrive for several days. It was not a pretty sight when they arrived at the house. The animals were distraught and they had gotten into some mischief. And of course, there had been accidents on the floor.

Unfortunately, Beatrice’s daughter and son-in-law are not animal lovers. They were frustrated with the dogs for making a mess and didn’t understand that they were grieving for Beatrice also. They sent them to a boarding place until they knew what was going to happen. But Beatrice was not going to be coming home. She would be going to a nursing home and she was no longer able to care for herself much less her beloved animals. As such much to Beatrice’s dismay her two corgi’s, were sent to a shelter and she had no say in the matter.

Being a Responsible Pet Owner

Seniors and Their Pets

I think everybody needs to think about this. And as we get older we need to think about that even more. Because to be a responsible pet owner means to have a plan for those pets. Just like you would want to have a plan for your family. Hopefully, you’ve taken the time to set up all of the legal documents and paperwork that you need to ensure that your family is taken care of. If you have young children you have probably decided who will care for them if something happens to you.

It’s really important to have that conversation with your family. Would they be willing to step in and take care of your pet if you no longer can? Some families will and some won’t. You really need to know. So, what other options are there?

A Texas Option For Continual Pet Care When You No Longer Can

A lot of people in our area are unaware of the Stevenson Companion Animal Life Care Center this is at Texas A&M.  It’s a privately funded state-of-the-art Animal Care Program designed to provide personalized care in a home-like environment. This program is set up and designed help provide the care for your pets in the event that they are left behind if you should pass away or if you should become incapacitated.

This is a place where they can go and be cared for in a beautiful environment for the rest of their life. The center was established at the Texas A&M College of veterinary medicine back in 1993. It was established by a gentleman named Dr. Ned Elliot. His dream became a reality with generous donations from the Luse foundation and Miss Malden Stevenson. Thus, the Stevenson Companion Animal Life Care Center was born.

Seniors and Their Pets

Miss Stevenson wanted to support this Center because she said that animals are so important to the elderly. And this Center was devoted to them and their pets. She passed away in 2004. Her four cats, seven dogs, a Pony, and llama all came to reside at the center at that time.

So how does it work and who can use these benefits?

Well first off, they take a variety of animals. They accept dogs, cats, birds, horses even donkeys. There is an enrollment fee of $1,000 for small animals and $2,000 for large animals due at the time of the enrollment. The minimum endowment requirements vary depending on the age of the owner at the time of the enrollment.  You can find out more information at their website at http://www.vetMedtamu.edu/ Stevenson-Center/enrollment

Other Options

Another option may be to forgo actually owning Pets during your later years. My husband and I are in our sixties we currently have two geriatric animals at home. They take a lot of care and money to keep them healthy. We’re still young enough to care for them but we are not sure we will get another pet when they are gone.

One of the animals that were caring for actually belonged to my mother-in-law who passed away a year ago. We’ve been caring for Callie cat for the last 6 years when Pat could no longer care for her. She was lucky she had family members that are animal lovers and were willing to take in her precious pet.

Harder to Care For Pets As We Age- Harder to Deal With The Grief When we Lose Them

And I realize that as we age it becomes harder and harder to both care for an animal and also to deal with the loss that eventually comes. Recently saying goodbye to our dog of 16 years, we are not sure we really want to endure that pain again.

Life Without Animals?

But we love animals so we’ve been looking at all options and there are lots of options out there. I’ve considered becoming a dog walker hiring out my services to walk other people’s dogs a few times a week. After I retire this could give me a few extra bucks in my pocket and at the same time give me that “dog Fix” I so crave. I could also take care of other people’s pets when they go out of town. So that’s one way that a senior could still have a connection with animals and not have the responsibility of home ownership of pet ownership.

Fostering?

Other seniors have begun fostering pets. There are lots of organizations around town who look for volunteers to foster a pet until a full-time owner can be found. Of course, many of the seniors admit getting attached and becoming that full-time owner. So be careful if you really do not want the responsibility.

Volunteer

In the Cypress area, there’s an organization called Special Pals. They have been saving lives in Houston since 1981 dog and cat adoptions they offer low-cost Wellness clinics every Saturday spay and neuter Services microchipping and even boarding because their costs are low it’s more affordable for a lot of seniors and you can volunteer.

You can get your pet fix by volunteering to be part of their afternoon team. You may get to walk dogs, bathe the animals and engage in playtime activities. This is a great benefit for both of pet and the senior.

Keep Animals In Your Life

Seniors and their pets

Getting involved in the community is also a great way for seniors to stay active. And staying active is going to be one step closer to staying healthy and independent. So, the decision is yours. Continue to have wonderful pets in your home, foster, volunteer or maybe set up a business pet sitting and dog walking the choice is yours. Just keep animals in your life to add quality years.