Category Archives: Senior News

Reverse mortgage: Cash bonanza for seniors? 







Reverse mortgages: What are they and how do they work? 

Reverse mortgages were once a financial novelty and have now entered the home loan mainstream. This is very good news for senior homeowners who have to be 62 or older to qualify. Reverse mortgages are one of the few ways that seniors can cash out part of the equity in their home without moving or incurring loan payments. 




Reverse mortgages are in essence mirror images of regular mortgages.  As unbelievable as it sounds, rather than making payments to a lender, the lender actually makes payments to you in a lump sum in monthly installments.  The best part is that you actually don’t have to repay the loan as long as you live in your home.  The reverse mortgage is only repaid from the sale of your house, or after you move or die.
 
The only real negative aspect of reverse mortgages is that they usually have high upfront closing costs.  Those charges have been falling, but even at 5% of a home’s value (which is about the going rate), reverse mortgages looks so much better when the alternative is to sell and pay 6% to a real estate agent. 

What if the home’s value at the time of the sale doesn’t cover the balance of the reverse mortgage? 

If the home’s value at the time of sale doesn’t cover the balance of the reverse mortgage, the lender is actually on the hook for the loss rather then the homeowner or his/her heirs.  That is absolutely excellent downside protection.  The upside is even better: If the property’s value rises over the years, the senior homeowner or his heirs can keep all of those profits after paying off the reverse mortgage.  In other words, you can cash in on cashing out even when the market continues to trend upward. Overall, reverse mortgages are an excellent opportunity for seniors to take cash out on the equity of their home without moving or having to sell their property.

Information from Money magazine, August, 2005.
 

Additional information and webpage by Paul Susic Ph.D. Licensed Psychologist 







Long term care insurance: Who needs it anyway? 







 
How do I know if I would be a good candidate for long-term care insurance?

Long-term care insurance is a gamble, as is the case with most insurance. If you end up needing years of supervision and care, then long-term care insurance was a good buy.  If you die suddenly, never using any sort of personal or nursing care, than it was a waste of money.  And you always need to remember, that no policy covers all of the cost.  There will always still be some bills to pay even with long-term care insurance. 

As you or your loved ones begin to consider long-term care insurance, you should beware of pushy salespeople and scare tactics.  The costs are high and the fear is great, so make sure not to buy in a panic.  Many people simply should not bother with purchasing long-term care insurance.  Agents get enormous commissions (often 50% of the first year’s premium and another 10% for every year after that) so they have plenty of incentive to sell these policies. You need to think long and hard before considering this as a worthwhile investment. 




Long-term care insurance helps to protect assets and preserve the inheritance for heirs.  However, it’s very expensive and never covers the full cost of care.  So, who are some of the individuals who should consider buying a long-term care insurance policy? 

Individuals with ample assets. The primary reason to buy long-term care insurance is the protection of an individual’s assets in excess of the cost of long-term care.  If your parent or loved one is believed to become eligible for Medicaid within approximately 12 to 18 months of entering a nursing home, you should probably not consider this as a viable investment.  Nursing home costs vary significantly from area to area, so you should look at the cost within your specific area.  Just as a rough guideline, you may consider long-term care insurance if your parent has at least $100,000 in assets (not including his house and personal belongings).  

Those with ample income. If your parent can afford $300-$600 per month in premiums without affecting their lifestyle, they may consider long-term care insurance.  Some experts have suggested that this type of coverage should not cost more than 5% of a person’s total income, which may be a pretty good guideline to follow.  Also, will they be able to continue paying the long-term care insurance premiums if they rise or if your parent’s income falls.  You need to keep in mind, if your parent fails to pay premiums, their policy will be canceled; so they should not even start this type of coverage unless they plan to continue it. 

Those whose assets and income are not overly ample.
People with a large income or more than $1 million in savings, generally don’t need long-term care insurance as they will be able to pay for their care out of pocket.  However, they might still want it in order to protect their assets for heirs or perhaps just for little peace of mind. 

How do I know if I would be a good candidate for long-term care health insurance? 

Long-term care health insurance is a good buy for various individuals as described above.  Long-term care health insurance is also preferable for people who also fall within the following categories: 

Those who are likely to need long-term care.  Although you can never be sure, you will have to make an educated guess if you will be an individual likely to eventually need long-term care. After the age of 60, the likelihood of needing a nursing home at some point in time is approximately 40%.  The average length of stay is about 2.5 years.  However, 45% of nursing home stays are for three months or less, with the majority being less than one year.  However, 10% of people who enter a nursing home are there for five years or more.  Another 30% of older individuals end up needing assisted-living care, or a significant amount of assistance at home. 
So, what does this actually tell you?  It means that at some point in time you or your loved one have a relatively high probability of eventually needing a nursing home, assisted living or homecare, but, for perhaps not for more than a year or two. 

You can also refine your probabilities of whether or not your loved one may need an expensive nursing home by considering their health and family history.  If they have a family history of sudden fatal heart attacks, then they may be less likely to need extended nursing home care then say a person who has a family history of Alzheimer’s disease.  Are they a smoker?  Do they exercise?  How is their mother’s bone density?  All of these factors play a role in how much care an individual may need some day. 




Another factor in considering whether someone is a good candidate for long-term health insurance is; “Do they have a lot of family support, a wealth of local volunteers, and inexpensive services on which they can rely or do they live in a community with little in the way of social services?” If your mother lives near your sister, who is retired nurse with time on her hands, she is less apt to need nursing home care then a person who lives alone, far from family and other sources of social support. 

Those who have no plans of entering a continuing care retirement community. Continuing care retirement communities as they are referred to, usually charge large admission and monthly fees, but they usually provide almost all the care that will be necessary, from assisted-living to nursing home care.  Having long-term care health insurance would be redundant and not necessary in these circumstances. 

Some information adapted from How to Care for Aging Parents by Virginia Morris 

Additional information and web page by Paul Susic Ph.D. Licensed Psychologist Clinical Director- Senior Care Psychological Consulting

Cancer: What are the warning signs?







Recognizing the warning signs of cancer: 

In the early stages, the warning signs of cancer are usually vague and general.  Some of the symptoms may even be caused by other illnesses or conditions.  However, even vague symptoms may provide early signs of cancer, with your vigilance resulting in improved early detection, treatment and remission.  Some of these vague symptoms include night sweats, fatigue and new and persistent pain.  A person experiencing any these symptoms should be examined by a physician immediately. Some symptoms are common to various forms of cancer including pain, bleeding, enlarged lymph nodes, unexplained weight loss and nausea.  However, each specific form of cancer also has its own warning signs, such as lumps in the breast in breast cancer, difficulty swallowing in esophageal cancer and yellowish skin (jaundice) in pancreatic cancer. 




Pain: 

A prominent sign of cancer is that when it begins to grow, it eventually starts pressing in on and begins invading surrounding tissues, frequently resulting in pain.  At the very beginning most cancers are not painful, and some even remain painless as they progress.  It is simply not true that all cancers cause pain, and you should never ignore symptoms that are painless believing they are not signs of cancer. 

Bleeding:
 
Cancer tends to lead to bleeding relatively quickly as the cells are not bound together very tightly making them quite fragile.  Cancers may also grow into surrounding blood vessels causing them to bleed.  The location of the bleeding is frequently indicative of where the cancer is developing, with colon cancer resulting in blood in the stool and kidney cancer causing blood to show up in the urine.  However, you need to realize that bleeding can be the result of other diseases besides cancer and is not always definitively a sign of cancer.  Sometimes bleeding is internal and not obvious.  In fact, unusual fatigue that does not improve with rest may be indicative of internal bleeding.  Bleeding and bruising easily may also be indicative of leukemia, although leukemia causes bleeding through a different physiological mechanism. The platelets in the bloodstream are lowered as the bone marrow begins producing cancer cells instead.  People with low platelet levels are known to bleed much easier than people with higher platelet levels. 

Enlarged lymph nodes:  

Some cancers spread quite quickly to nearby lymph nodes in the early stages.  Cancerous lymph nodes become large and hard and may be difficult to move around.  Unlike infected lymph nodes, they are usually painless. 

Weight loss: 

There is frequently some weight loss in the early stages of cancer, although severe weight loss (cachexia) usually does not occur until cancer has progressed. The body releases chemicals called cytokines (there are two types of cytokines: tumor necrosis factor and interleukin 6) in response to the cancer. It is believed, that the cytokines are responsible for the weight loss. Also, weight loss is frequently related to the side effects of cancer treatment, which results in nausea and vomiting for many people. Many people also experience difficulty eating or digesting food because of abnormalities that develop as a result of the cancer such as blockage of the throat, esophagus, or the intestine.  Weight loss may also result from an individual being depressed or experiencing intense fatigue. 

Nausea:  

Nausea usually results from chemical changes in the blood which may be the result of increased levels of calcium, decreased levels of sodium, or high levels of urea in the bloodstream.  The spread of the cancer (metastasis) to the brain or liver may also result in nausea. Many people develop nausea as a result of chemotherapy treatment and some of the powerful medications used to treat the resultant pain such as the opiods (OxyContin etc.). 





Other symptoms:

 
Cancers are usually found as a result of the primary tumor and the resulting symptoms.  Or, sometimes they are found because they spread to other parts of the body resulting in symptoms in those areas.  For example, bone pain may be caused by cancer that has spread to the bone in that specific area.  However, as most people know, much of the pain that older individuals experience are the result of multiple other conditions such as arthritis, and is not indicative of cancer. Altered sensation or weakness may be a sign that a cancer has spread to the brain.  But, similar symptoms may also be experienced by an individual who has had a stroke. 

Cancers frequently release chemicals into the bloodstream that act as hormones.  For example, some cancers release a substance in the blood that is very similar to the effects of parathyroid hormone.  This chemical may then cause the calcium level in the blood to rise resulting in such symptoms as abdominal pain, muscle weakness, mental confusion and diarrhea.  Another chemical released by the cancer may cause effects very similar to the stress hormone cortisol, resulting in a very full, chubby facial appearance and sometimes even stretch marks in the skin.

Some information adapted from The Merck Manual of Health of Aging 

Additional information and web page by Paul Susic Ph.D. Licensed Psychologist Ph.D. 

The Best Friend Approach to Alzheimer’s







When I began to understand the reality of caring for my mother, who has an Alzheimer’s dementia, I was, like everyone else, unsure and filled with questions about how to ‘be’ with her. I was very uncomfortable when she endlessly repeated stories, or mixed up the characters in them. And when the memory of my father began to fade, to be replaced by childhood memories, I was shocked, disoriented, and greatly saddened.

I felt guilty about feeling bored, inadequate in the extreme (where was my wise, earthy, intuitive mother to help me figure this out?). But mostly I had questions: Do I gently correct her, bring her back to the here and now, as one of my sister’s opined? Would this strengthen her grip on “reality”, stimulate her mind and delay her decline? My instinct was let it go, to go along with wherever her story was leading her, but perhaps this was a disservice, perhaps she needed me to anchor her in this world?




I can’t say I ever really got answers that satisfied me, so I was left to follow my intuition – which I have only just found confirmed in The Best Friends Approach to Eldercare, by Virginia Bell and David Troxel. These compassionate authors have worked for many years with long term care of people with Alzheimer’s. The idea behind their approach is that what parents – or other elders – need most is simply a best friend, someone who is understanding, positive, and reassuring. Someone who doesn’t judge them, correct them, tell them what to do or how to think or behave.

In discovering this so-called method, I’ve felt very validated. I realize that I became conflicted when I looked at my mother through the lens of a disease. But when I saw her simply as my mom, I took her as I found her, and extended to her the same simple human kindness I would to any friend. I don’t lecture, correct or try to ‘improve’ her, my job is to connect with her, and to meet and support her where she is.

Here are a few of the basic principles behind the Best Friend’s approach.

Go With the Flow – Caring for your parent is about making them happy, safe, and comfortable. If your father says, “I’m eating breakfast now,’ it might be tempting to note that it’s dinnertime in the hopes of making him less confused, but it’s not as helpful as simply saying, “Yum, it smells good.” Just go with the flow and enter their world.

Let Go of Perfectionism
– Choose activities your parent will enjoy and don’t worry whether they’re done correctly. If s/he can’t follow the rules of a card game anymore, try sorting the cards into suits and colors. If s/he likes helping around the house, give him or her a concrete task to do, like folding laundry. It doesn’t matter if it’s done perfectly. What matters is that your parent is having fun and feels useful.

Above All Else, Show Respect – Remember that yours is an adult relationship that consists of adult activities and communication. Even if your parent has Alzheimer’s, there’s no need to play games meant for kids or to speak as if they’re children. Foster their dignity above all else.

About the Author:

Kathleen Daniel, MS, L.Ac. writes about change and transition from the inside out, combining insights and experience from her lifelong yoga practice with her work as an acupuncturist, organizational consultant, educator, and life and leadership coach. An alumnus of Johns Hopkins Women’s Leadership program, she also leads active retreats for reflection and renewal for women. Website: http://www.aheadofthecurveatmidlife.com
Article Source: http://EzineArticles.com/?expert=Kathleen_Daniel







St. Louis, Missouri Senior Information and Referral Services 2018 Update Page #1

St. Louis, Missouri Senior Information and Referral Services:

St. Louis, Missouri senior information and referral service organizations which follow below provide a wide-range of services specific to the needs of older adults. These information and referral service organizations have large information databanks from which to draw upon. They are frequently used to assist both laypersons and professionals alike in providing problem solving direction and access to available resources and senior information for metropolitan St. Louis, Missouri.




St. Louis, Missouri Senior Information and Referral Services:

All Family Care
Phone: 314-544-1515 Fax: 314-333-4189
9903 Gravois Road, St. Louis, MO 63123
Website: www.allfamilyhomecare.com
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City
Description: One Call Does It All! From home care, to personal care, to yard work, companionship, and even free referral services! Give us a call today! See what All Family Care can do for you and your family!

Alzheimer’s Association, St. Louis Chapter
Phone: 314-432-3422 Fax: 314-432-3824
9370 Olive Blvd, St. Louis, MO 63132
Website: www.alzstl.org
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Clinton, Madison, Monroe, Randolph, St. Clair
Description: The St. Louis Chapter provides 24- hour Helpline, care consultations, education classes for families and professionals, support groups,
MedicAlert©+SafeReturn©, and advocacy. We serve 38 counties in Missouri and Illinois. We are the oldest, most trusted resource for Alzheimer’s disease and dementia.



Bi-Lingual International Assistant Services
Phone: 314-692-9010 Fax: 314-692-9014
8390 Delmar Blvd., Suite 210, St. Louis, MO 63124
Website: www.bilingualstl.org
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City
Description: Geriatric assessment, service plan and full case management in persons’ homes; family and individual therapy, and planning services.

Breakthrough Coalition

Phone: 636-207-0847, 314-612-5918
Website: www.breakthroughcoalition.org
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington
Description: For more information on Breakthrough Coalition refer to pages 14 and 15. Breakthrough Coalition is a network of service providers and others concerned with senior issues, committed to enhancing the quality of life for older adults within the St. Louis metropolitan area through education, advocacy and networking.

Callen Case Management Services
Phone: 314-265-7059 Fax: 877-265-1695
P.O. Box 864, Cheseterfield, MO 63006
Website: www.seniorcasemanagementservices.com
Description: Provide in-home assessments of client needs, resource finding, placement, counseling, education, and advocacy. Public speaking in the community on topics relating to aging.

Cardinal Ritter Senior Services
Phone: 314-968-9447 Fax: 314-968-1758
7601 Watson Road, St. Louis , MO 63119
Website: www.cardinalritterseniorservices.org
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Description: CRSS provides an integrated continuum of quality social services, housing, residential care and healthcare services for the senior adult.

Continuum – Care Planning & Management
Phone: 314-863-9912, 636-861-3336
Fax: 314-863-9918
12882 Manchester Road, Suite 201, St. Louis, MO 63131
Website: www.ContinuumCare.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Description: When faced with major changes in ability, health or metal status, making the right decision can be confusing and complicated. An experienced professional care manager

County Older Resident Programs
Phone: 314-615-4516 Fax: 314-615-7619
121 South Meramec, Clayton, MO 63105
Counties Served: St. Louis




Elderlink St. Louis
Phone: 314-812-9300 Fax: 314-812-9398
10950 Schuetz Rd., Saint Louis, MO 63146
Website: www.elderlinkstlouis.org
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Description: ElderLink St. Louis is a free, coordinated referral service for Jewish older adults, their children and caregivers, which is a project of the Senior Service
Integration Commission of the Jewish Federation of St. Louis, administered by Jewish Family & Children’s Service. Staff members with MSW degrees put users in contact with resources and programs available to Jewish seniors in the area.

Gateway Grandparents/Kinship Network
Phone: 314-615-2911 Fax: 314-615-8147
121 S. Meramec, suite 501, Clayton, MO 63105
Website: www.extension.missouri.edu/ecregion/grandparent
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Description: Gateway Grandparents/Kinship Network enhances the lives of grandparents and relatives who care for other people’s children in the St. louis Metropolitan area.

Home for Life, LLC
Phone: 636-926-8407
P. O. Box 147, St. Peters, MO 63376
Website: www.home4life-llc.com
Counties Served: St. Charles, St. Louis
Description: Home for Life is a consulting service that highlights all the things to consider when older adults and their families face transitions due to health or economic
needs. Our consultants provide assessments & checklists, a cost of care analysis, resource referrals, a benefits check-up, and a strategic action plan designed for families to use as a reference.

St. Louis, Missouri Hospice Services 2018 Update Page #2

St. Louis, Missouri Hospice Services – An Overview:

St. Louis, Missouri hospice services provide supportive relationships and comfort when illness becomes life limiting regardless of available treatments. Hospice services also provide volunteers individuals with special training and knowledge in various aspects of medical care including pain management. The overall goal is to provide the best quality of care in an individual’s last days and allow them the highest possible level of comfort and dignity. Services are usually provided by a team oriented group of individuals, volunteers and family members. The following agencies, long-term care facilities and hospitals provide hospice services in St. Louis, Missouri:




St. Louis, Missouri Hospice Services

Faith Hospice, Inc.

Phone: 314-892-4441 Fax: 314-892-4478
11040 Lin-Valle, Suite L,
St. Louis, MO 63123
Website: www.faithhospicestl.com
Description: Hospice is a special way of caring for people with life-limiting illness in the familiar surroundings of home,in the presence of loved ones. Our care focuses on the physical, emotional, social and spiritual needs of patients and their family members.

Ferris Counseling Services: An Integral Approach to Mind, Body, Spirit
Phone: 314-308-1124
939 Gardenview Office Parkway, Creve Coeur, MO 63141
Website: www.FerrisCounselingServices.com
Description: Counseling for grief, loss ,life threatening & chronic illness, and transition. Specializing in cancer and ALS. Financial wellness counseling (for promoting healthy financial behaviors).

Homewatch Caregivers
Phone: 314-963-1100 Fax: 314-963-0255
7915 Big Bend Blvd., Webster Groves, mo 63119
Website: www.homewatchcaregivers.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Description: Homewatch Caregivers provides non-medical care for the elderly. We specialize in hourly & live-in care focusing on companion care, personal care, & 24/7 live-in care.



Hospice of Missouri, Inc.
Phone: 314-892-3000 Fax: 314-892-3101
2191 Lemay Ferry Rd., #301, St. Louis, MO 63125
Website: www.yourtrustedpartner.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Jefferson Regional Medical Center
Phone: 636-933-1200
1400 Hwy 61 South, Festus, MO 63028
Website: www.jhsmo.com
Counties Served: Franklin, Jefferson, St. Louis
Description: Jefferson Regional Hospice works in partnership with the patient’s physician to ensure physical and emotional comfort.

JMH Hospice
Phone: 636-933-1200
#5 Industrial Drive, Festus, MO 63028
Website: www.jeffersonmemorial.org
Counties Served: Franklin, Jefferson, St. Louis
Description: Hospice is a specialized health care program of Jefferson Memorial Hospital provided by an interdisciplinary team of professionals in partnership with the patient’s physician. Nursing staff, social workers, spiritual counselors,massage therapists, home health aides and volunteers provide service to patients and caregivers 24 hours a day, 7 days a week.

Medi-Plex Healthcare Professionals
Phone: 314-721-3434 Fax: 314-721-7280
200 S. Hanley Rd., Clayton, MO 63105
Website: www.mediplexhealth.com
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City, Washington, Clinton, Madison, St. Clair

Medi-Plex Healthcare Professionals
Phone: 314-725-1711 Fax: 314-725-6278
9374 Olive Blvd., St. Louis, MO 63132
Website: www.mediplexhhc.com
Counties Served: St. Charles, St. Louis, St. Louis City

Medi-Plex Hospice
Phone: 314-725-1711 Fax: 314-725-6278
200 S. Hanley Rd., Ste. 600, Clayton, MO 63105
Website: www.mediplexhealth.com
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City

Nurses & Company Hospice Care
Phone: 636-926-3722 Fax: 636-926-3872
115 Piper Hill Dr., Saint Peters, MO 63376
Website: www.nursesandco.com
Counties Served: Franklin, St. Charles, St. Louis, St. Louis City
Description: A special way of caring, focuses more on the quality of life rather than aggressive treatment. A benefit of Medicare and Medicaid which covers medications, medical equipment and supplies related to the diagnosis.

Odyssey HealthCare
Phone: 314-275-6100 Fax: 314-275-6101
2055 Craigshire Rd., Suite #410, St. Louis, MO 63146
Website: www.odsyhealth.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Description: During the end of lifes journey Odyssey HealthCare, offers comfort and care to those with life limiting illnesses. Specialized hospice care is more a concept than a specific place, it provides palliative care which affirms life and does not hasten the end of life. It is the model for quality, and
compassionate care.







St. Louis, Missouri Home Health Care Services 2018 Update Page #6

St Louis, Missouri Home Health Care Services: An Overview

St Louis, Missouri Home health care services include various levels of care including skilled nursing care, and such therapy services as physical and occupational therapy, as well as additional services like speech therapy. Home health care services may also include social work services provided by a medical social worker and and home health aide when necessary. These services are all provided in your home by the various professionals involved. Services will usually be provided according to a doctors’s orders. You may call the following agencies to receive home health care services in St. Louis Missouri




St. Louis, Missouri Home Health Care Service Agencies

Senior Services Unlimited

Phone: 314-646-8131 Fax: 314-646-0804
6651 Chippewa, Suite 207, St. Louis, MO 63109
Website: www.seniorservicesofstlouis.com
Counties Served: Franklin, Jefferson, St. Louis, St. Louis City

Seniors Home Care
Phone: 314-962-2666 Fax: 314-968-4481
114 E. Lockwood Avenue, Suite A, St. Louis, MO 63119
Website: www.seniorshomecare.com
Counties Served: St. Louis, St. Louis City

South St. Louis Rehabilitation
Phone: 314-962-8020 Fax: 314-962-6570
78 Kenrick Plaza, St. Louis, MO 63119
Website: www.rehab1network.com
Counties Served: St. Louis, St. Louis City



Sports & Physical Therapy Center
Phone: 636-938-4065 Fax: 636-938-4067
70 East North Street, Suite 100, Eureka, MO 63025
Website: www.rehab1network.com
Counties Served: Jefferson, St. Louis

SSM Home Care
Phone: 314-989-2509 Fax: 314-989-2903
10143 Paget Drive, St. Louis, MO 63132
Website: www.ssmhomecare.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Washington, Clinton, Madison, Monroe, St. Clair

St. Andrews & Bethesda Home Health
Phone: 314-218-2600 Fax: 314-218-2601
8175 Big Bend Boulevard, St. Louis, MO 63119
Website: www.StAndrewsBethesda.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City

St. Andrew’s Senior Solutions
Phone: 314-726-5766 Fax: 314-726-5719
6633 Delmar Boulevard, Suite 200, St. Louis, MO 63130
Website: www.standrewsseniorsolutions.com
Counties Served: St. Charles, St. Louis, St. Louis City

St. Charles Sports & Physical Therapy – O’Fallon
Phone: 636-240-7000 Fax: 636-240-7513
939 Highway K, O’Fallon, MO 63366
Website: www.rehab1network.com

St. Charles Sports & Physical Therapy – St. Charles
Phone: 636-947-7678
1840 Zumbehl, St. Charles, MO 63303
Website: www.rehab1network.com
Counties Served: St. Charles, St. Louis




St. Charles Sports & Physical Therapy – St. Peters
Phone: 636-441-7500 Fax: 636-441-3004
263 Centre Pointe, St. Peters, MO 63376
Website: www.rehab1network.com
Counties Served: St. Charles, St. Louis

St. Charles Sports & Physical Therapy – Wentzville

Phone: 636-332-1313 Fax: 636-332-2929
1155 Wentzville Parkway, Suite 123, Wentzville, MO 63385
Website: www.rehab1network.com
Counties Served: St. Charles, St. Louis

St. John’s Mercy Home Care
Phone: 314-729-4500 Fax: 314-729-4563
1000 Des Peres Road, St. Louis, MO 63131
Website: www.stjohnsmercy.org
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City

St. Louis Home Health
Phone: 314-352-7889 Fax: 314-352-7411
1000 Camera Avenue, Suite B, St. Louis, MO 63126
Website: www.rehab1network.com
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City, Monroe, St. Clair

St. Louis Readers

Phone: 314-567-3616
129 Ballas Court, St. Louis, MO 63131
Website: www.StLouisReaders.com
Counties Served: St. Charles, St. Louis, St. Louis City

North St. Louis County, Missouri Cemeteries and Cremation Services 2017 Update

North St. Louis County, Missouri-Cemeteries and Cremation Services – An Overview: 

North St. Louis County, Missouri cemeteries and cremation services are available if you’re planning a funeral service or want to consider the various burial options when preplanning a funeral. While most people are familiar with traditional funeral services you are probably not aware that there are various options available. These may even include cremation or interment in a mausoleum. If you need assistance in deciding the best options for mausoleum, cemeteries and cremation services in north St. Louis County, Missouri, the following organizations may be able to help.

North St. Louis County, Missouri cemeteries and cremation services in the related zip codes areas: 
 
63140, 63135, 63134, 63145, 63136, 63137, 63138, 63133, 63042, 63031, 63033, 63034



Bethlehem Cemetery
Phone: 314-867-6234
9650 Bellefontaine Rd.
St. Louis, MO 63137
 
Buchholz Mortuaries Inc.
Phone: 314-741-7400
1645 Redman Ave.
St. Louis, MO 63138
 
Friedens Cemetery Mausoleum & Chapel
Phone: 314-867-5126
8941 N. Broadway
St. Louis, MO 63137
 
Salem Lutheran Church Cemetery
Phone: 314-741-0424
5825 Parker Rd.
Florissant, MO 63033
 
St John’s Cemetery
Phone: 314-867-4981
1293 St. Cyr Rd.
St. Louis, MO 63137
 
Stygar Family of Funeral Services
Phone: 636-936-1300
13980 New Halls Ferry Rd.
Florissant, MO 63033
 
Valhalla
Phone: 314-721-4900
7600 St. Charles Rock Rd.
St. Louis, MO 63133







St. Louis, Missouri Geriatric Case Managers 2017 Update Page #4

St. Louis, Missouri Geriatric Case Managers Overview

St. Louis, Missouri geriatric case managers may include a multitude of professionals who provide health services such as gerontologists, social workers, psychologists and nurses who focus on providing services related to geriatric or aging frequently on an on-going basis. St. Louis, Missouri geriatric case managers usually work privately with older individuals and their families, creating a plan of care that will meet their needs. The following organizations frequently provide some level of geriatric case manager services in St. Louis, Missouri:

St. Louis, Missouri geriatric Case Managers:

Martha’s Hands Home Health
Phone: 314-965-4350 Fax: 314-965-0123
5650 Mexico Road, Suite 12, St. Peters, MO 63376
Website: www.marthashands.com
Counties Served: St. Charles, St. Louis, St. Louis City
Description: Partners with the family to assist the client in maintaining their independence. Our nurse conducts an initial assessment to develop a customized care plan. Clinical support with medications, doctor’s appointments, skilled nursing procedures and care plan supervising available. Resources are recommneded to asssit clients with their other needs.




Medi-Plex Healthcare Professionals
Phone: 314-721-3434 Fax: 314-721-7280
200 S. Hanley Rd, Clayton, MO 63105
Website:
mediplexhealth.com
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City, Washington, Clinton, Madison, St. Clair

Memory Care Home Solutions
Phone: 314-426-MCHS (4267) Fax: 314-426-6249
10784 Indian Head Industrial Blvd., St. Louis, MO 63132
Website: www.memorycarehs.org
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City, Madison, St. Clair
Hours: Call Fees: Call
Description: Memory Care Home Solutions is a unique yearlong program designed specifically to reduce caregiver stress and improve time at home for families caring for a loved one with memory loss. Customized, hands-on training, in-home consultations, coupled with individualized strategy plans give
caregivers the skills to manage daily stress and transform the home into a place of safety and comfort for everyone who lives there. We are a not-for-profit organization.

Metropolitan Older Adult Resources
(MOAR) for Life

Phone: 314-664-9700 Fax: 314-664-9701
2000 S 11th St, St. Louis, MO 63104
Website: www.MOARforLife.net
Counties Served: St. Louis, St. Louis City
Hours: Monday – Thursday, 9:00 am-5:00 pm
Fees: $70 per consultation
Description: MOAR for Life is an enterprise operating under the umbrella of the SGSM Network (formerly South Grand Senior Ministry). MOAR for Life offers a number of services that enable older adults to continue to live independently in their own homes, including Geriatric Care Management, transportation, home repair and adaptation, health resources, social engagement, referrals, and more. Call today for more information!



Mid-East Area Agency on Aging
Phone: 636-207-0847 Fax: 636-207-1329
14535 Manchester Road, Manchester, MO 63011
Website: www.mid-eastaaa.org
Counties Served: Franklin, Jefferson, St. Charles, St. Louis
Hours: 8:30 am-4:30 pm Fees: Voluntary contribution
Description: Case managers work privately with older adults and their families to create a plan of care that meets the needs of the older adult. They will meet with you to help you understand your loved one’s needs and to learn what resources and options are available to meet those needs.

Missouri Veterans Home – St. Louis
Phone: 314-340-6389 Fax: 314-340-6379
10600 Lewis and Clark Blvd., St. Louis, MO 63136
Website: www.mvc.dps.mo.gov
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Hours: 8:00 am-4:30 pm Fees: Variable
Description: The Missouri Veterans Home-St. Louis is a 300 bed long-term care facility conveniently located in North St.Louis County. MVH-St. Louis provides nursing home care to eligible U.S. veterans of our military services.

Next Step/Elder Assist (The)
Phone: 314-821-9111
Fax: 314-821-7082
2190 S. Mason Rd., Suite 205, St. Louis, MO 63131
Website: www.elderassist.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Hours: 24 hr service Fees: Please call for rates
Description: Various services to help older & disabled individuals remain as independent as possible: Complete care management including assessment & on going problem solving; assistance for out-of-town caregivers; home care & community resource referrals; retirement living, assisted living & nursing home placement; medical insurance filing; bill paying; Medicaid planning, qualifications & application filing.

Nurses and Company Private Services
Phone: 636-926-3722 Fax: 636-926-3872
115 Piper Hill Dr., St. Peters, MO 63376
Website: www.nursesandco.com
Counties Served: St. Charles, St. Louis, St. Louis City
Hours: 24 hours a day/ 7 days a week
Fees: Available upon request
Description: Services assist people who require help with activities of daily living. May be covered by long term care insurance or private pay. Meals/Personal Care/Light Housekeeping/Laundry/Transportation.

Pathways for Aging
Phone: 314-361-3530 Fax: 314-685-1047
6614 Clayton Rd., #235, St. Louis, MO 63117
Website: www.pathwaysforaging.com
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City
Hours: Monday to Friday, 8:30am-5:00 pm; weekend/evening
appointments available; on call 24/7
Fees: $100/hour
Description: Helping you care for the older adult in your life through comprehensive in-home geriatric assessment of physical, psychological and social needs of the older adult as
well as the needs of the caregiver. Customized ongoing care management services are available. Services are provided by experienced Licensed Clinical Social Workers.




Pope Institute for Health and Education, LLC
Phone: 314-830-9000 Fax: 314-830-9003
3831 Vaile Avenue, #80, St. Louis, MO 63034
<strong>Website: www.popeinstitute.com
Counties Served: St. Charles, St. Louis, St. Louis City, Madison, St. Clair
Description: Pope Institute provides seminars and family workshops on elderly health care. As elder care advocates our primary goal is elder care consumer education. We provide care management services specifically for seniors and disabled adults who need advocacy and representation during a nursing
home stay and those who have equipment, home modification,and support resource needs to stay at home.

Secure Horizons by United Healthcare
Phone: 314-592-7990 Fax: 314-592-7657
13655 Riverport Drive, Maryland Heights, Mo 63043
<strong>Website: www.SecureHorizons.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Madison, Monroe, St. Clair
Description: SecureHorizons® by United Healthcare has a contract with the Centers for Medicare and Medicaid Services that allows us to offer a Medicare Advantage Plans. These Medicare Advantage plans are called MedicareComplete® by SecureHorizons. SecureHorizons® Medicare Advantage plans
offer much more than Original Medicare. It’s designed to help eliminate paperwork and reduce costs.

Senior LIFEsteps brought to you by Lutheran Senior Services
Phone: 314-446-2475 Fax: 314-446-2520
1150 Hanley Industrial Ct., St. Louis, MO 63144
Website: www.lssliving.org
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City
Hours: Call Fees: Call
Description: A Senior LIFEsteps screening looks at the tasks an individual has to do and wants to do, then compares his or her living arrangements with what has worked best to maintain or improve the well being of other seniors. Results help you learn about resources and options giving you a direction for your next step in determining care and living arrangements.

Senior Care Psychological Consulting
Phone: 636-300-9922
500 Huber Park Court Suite 205
Weldon Spring, MO 63304
Email: seniorcarepsych@yahoo.com
Website: www.seniorcarepsychological.com
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City
Hours: Call
Description: Provides psychological counseling, assessment, psychological and neurological (cognitive) testing, case management and various other psychological services geared toward the geriatric population and individuals experiencing chronic medical and mental health difficulties. Services are provided in long-term care facilities, in-home and office-based practice in St. Charles Missouri.

St. Andrew’s Senior Solutions
Phone: 314-726-5766 Fax: 314-726-5719
6633 Delmar Boulevard, Suite 200, St. Louis, MO 63130
Website:
www.standrewsseniorsolutions.com
Counties Served: St. Charles, St. Louis, St. Louis City
Hours: 24/7 Fees: Sliding scale
Description: Eldercare specialist provide assessment, information, counseling, and support to older adults and families to navigate the maze of resources, coordinate care, and identify the appropriate organizations for assistance.

St. Louis Area Agency on Aging
Phone: 314-612-5918 Fax: 314-612-5915
1520 Market Street, Room 4086, St. Louis, MO 63103
Website: www.slaaa.org
Counties Served: St. Louis City
Hours: 8:00 am-5:00 pm, Monday to Friday
Fees: No charge, donations welcome
Description: The St. Louis Area Agency on Aging (SLAAA) provides a comprehensive and coordinated system of community-based services for older adults living in the City of St. Louis. SLAAA provides services at no charge for anyone over 60 living in the City of St. Louis, but contributions are always welcome.

Transition Care Partners
Phone: 636-398-4368 Fax: 636-398-4368
5 Greenview Dr., Defiance, MO 63341
Counties Served: St. Charles, St. Louis
Fees: Negotiable
Description: Transition Care Partners was created to assist families caring for aging relatives by providing resource referrals, counseling, and case management. Working together, we can help senior adults maintain maximum levels of independence as we help families deal with the transition to the next phase of their lives.

Transition Strategies
Phone: 314-812-9333 Fax: 314-812-9399
10950 Schuetz Road, St. Louis, MO 63146
Website: www.transitionstrategiesllc.com
Counties Served: St. Charles, St. Louis, St. Louis City
Hours: 8:30 am – M-F, weekend and evening hours available by appointment
Fees: $250.00 for initial assessment, $100.00/hour for ongoing care management,
Medicare and Insurance billed for qualifying service
Description: Provides one stop shopping for eldercare information. A counselorconsultant evaluates the needs of your aging relative and guides you in the appropriate direction for care. They also specialize in helping families and older adults with the emotional aspects of these decisions. Counselor-consultants are licensed clinical social workers with over 20 years of experience working with older adults and their families.

St. Louis, Missouri Geriatric Case Managers 2017 Update Page #2

St. Louis, Missouri Geriatric Case Managers Overview

St. Louis, Missouri geriatric case managers may include a multitude of professionals who provide health services such as gerontologists, social workers, psychologists and nurses who focus on providing services related to geriatric or aging frequently on an on-going basis. St. Louis, Missouri geriatric case managers usually work privately with older individuals and their families, creating a plan of care that will meet their needs. The following organizations frequently provide some level of geriatric case manager services in St. Louis, Missouri:

St. Louis, Missouri geriatric Case Managers:

Beauvais Manor on the Park
Phone: 314-771-2990 Ext. 219 Fax: 314-771-7960
3625 Magnolia Ave., St. Louis, MO 63110
Website: www.beauvaismanor.com
Counties Served: St. Louis, St. Louis City
Hours: 24/7 Fees: Room rate $156.00 daily
Description: We offer Skilled Nursing, Rehab, Hospice, Alzheimers Secure Unit and Long/Short term placement.





Bi-Lingual International Assistant Services

Phone: 314-692-9010 Fax: 314-692-9014
8390 Delmar Blvd., Suite 210, St. Louis, MO 63124
Website: www.bilingualstl.org
Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City
Hours: 9:00 am to 5:00 pm
Fees: Sliding fee scale, Medicare, Medicaid, some Forms of
Insurance
Description: Geriatric assessment, service plan and full case management in persons’ homes; family and individual therapy,and planning services.

Callen Case Management Services
Phone: 314-265-7059
P.O. Box 864, Cheseterfield, MO 63006
Website: www.seniorcasemanagementservices.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Hours: By appointment Fees: $125/hour
Description: Provide in-home assessments of client needs, resource finding, placement, counseling, education, and advocacy.Public speaking in the community on topics relating to aging.

Cardinal Ritter Senior Services
(Social Services Department)

Phone: 314-918-2293 Fax: 314-961-1548
7601 Watson Rd., St. Louis, MO 63119
Website: www.cardinalritterseniorservices.org
Counties Served: St. Charles, St. Louis, St. Louis City
Hours: 8:30 am – 5:00 pm Fees: Call
Description: CRSS has a dedicated Social Services Department that provides seniors in the community with access to extensive services and support programs,information resources, and referral services.



Comprehensive Care Management and
Consulting, LLC

Phone: 314-544-8306 Fax: 314-544-8306
9336 Rambler Drive, St. Louis, MO 63123
Counties Served: Franklin, Jefferson, St. Charles, St. Louis,
St. Louis City, Monroe
Hours: As needed Fees: Negotiable
Description: Services available to individuals/families relative to sorting out aging challenges. Assist client with formulating plan to include either short-term tasks and/or long-term services related to an individual’s safety,optimal living environment and satisfaction.

Comprehensive Care, Inc.
Phone: 636-390-9909 Fax: 636-390-9989
1451 High Street, Suite 205, Washington, MO 63090
Website: www.thecompanythatcares.com

Continuum
Phone: 314-863-9912, 636-861-3336 Fax: 314-863-9918
12882 Manchester Road, Suite 201, St. Louis, MO 63131
Website: www.ContinuumCare.com
Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City
Hours: 24/7 Fees: Call for fees
Description: Continuum’s experienced and professional care managers make a difference. We provide regular client visits to monitor physical condition and encourage compliance with prescribed therapy; working and coordinating with physicians on appropriate care and medication; counseling and psychotherapy, coordination of services inside or outside the home; providing assessments and ongoing counseling;updating family members and professionals on the plan of care; ensuring that there is an adequate stock of food,medications and medical supplies in the home; and serving as a contact person for physicians, EMS and emergency room staff in the case of a medical emergency.

County Older Resident Programs
Phone: 314-615-4516 Fax: 314-615-7619
121 South Meramec, Clayton, MO 63105
Counties Served: St. Louis
Hours: 8:00 am – 5:00 pm M-Th; 8:00 – 2:00 pm Fri
Fees: None

Covenant House/CHAI Apartments
Phone: 314-432-1610 Fax: 314-432-4058
8 Millstone Campus Dr., Suite 2000, St. Louis, MO 63146
Website: www.covenantchaistl.org
Counties Served: St. Louis
Hours: Monday to Friday 8:30 am – 5:00 pm
Fees: Social Services Provided
Description: A full time Social Service Staff is available during regular office hours to assist residents with referral services, form completion (State Financial Assistance), social programs, and many other services. For more information call the office at 314-432-1610.

Dignified Aging Consults
Phone: 314-361-2060
4400 Lindell., Suite 23J, St. Louis, MO 63108
Website: www.dignifiedagingconsults.net
Counties Served: Franklin, St. Louis, St. Louis City
Hours: By appointment
Description: Assessments of elder’s needs within their living environments/once needs are determined coordination of necessary services for home care, scheduling of doctor’s appointments ,referrals to private and community resources.

Elder and Estate Planning Law Firm (The)
Phone: 314-918-0088 Fax: 877-580-5204
8780 Big Bend Blvd., Ste. G, Webster Groves, MO 63119
Email: mde@stlelderlaw.com
Website: www.stlelderlaw.com
Description: Guardianship, Probate, Medicaid Planning and Qualifications, Powers of Attorney, Living Wills & Advance Directives, Living Trusts & Wills, Estate Planning, Nursing Home Placement, Assisted Living Placement, Sale of Home, Estate Sales & Care Planning