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How to complain about aged care and get the result you want

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>It can be hard to know what to say, or who to talk to, if you notice something isn’t right for you or a loved one in residential aged care.</p> <p>You might have concerns about personal or medical care, being adequately consulted about changes to care, or be concerned about charges on the latest bill. You could also be concerned about theft, neglect or abuse.</p> <p>Here’s how you can raise issues with the relevant person or authority to improve care and support for you or your loved one.</p> <h2>Keep records</h2> <p>You can complain about any aspect of care or service. For instance, if medical care, day-to-day support or financial matters do not meet your needs or expectations, you can complain.</p> <p>It is best to act as soon as you notice something isn’t right. This may prevent things from escalating. Good communication helps get better results.</p> <p>Make written notes about what happened, including times and dates, and take photos. Try to focus on facts and events. You can also keep a record of who was involved and their role.</p> <p>Keep track of how the provider responded or steps taken to resolve the issue. Write notes of conversations and keep copies of emails.</p> <h2>Who do I complain to?</h2> <p><strong>Potential criminal matters</strong></p> <p>If you have concerns about immediate, serious harm of a criminal nature then you should contact the police, and your provider immediately. These types of serious incidents include unreasonable use of force or other serious abuse or neglect, unlawful sexual contact, stealing or unexpected death.</p> <p>The provider may have already contacted you about this. They are required to report such <a href="https://www.agedcarequality.gov.au/consumers/serious-incident-response-scheme">serious incidents</a> to both the Aged Care Quality and Safety Commission within 24 hours, and to the police.</p> <p><strong>Other matters</strong></p> <p>For other matters, talk to the care staff involved. Try to find out more detail about what happened and why things went wrong. Think about what you expect in the situation.</p> <p>Then talk to the most senior person in charge, to see if they can make changes so things don’t go wrong in the future. This person may be called the nursing unit manager, care manager or care director.</p> <p>Providers must acknowledge and investigate your complaint, tell you their findings and actions taken, and follow up to see if you are satisfied.</p> <p>If you would like support to talk to the provider, the <a href="https://opan.org.au">Older Persons Advocacy Network</a> can help. This free service provides independent and confidential support to help find solutions with the aged-care provider. The network can also help you lodge a formal complaint.</p> <h2>How to I lodge a formal complaint?</h2> <p>If you are not satisfied with the way your provider responded, you can lodge a complaint with the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a>.</p> <p>Be prepared to submit the facts and events, plus emails and correspondence, you have already collected. Think about what you want to happen to resolve the complaint.</p> <p>Each complaint is handled individually and prioritised depending on the risks to you or your loved one. The commission will start its processes within one business day when complaints are urgent. The resolution process took <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqsc-annual-report-2020-21.pdf">an average 40 days</a> in 2020-21.</p> <p>You can complain confidentially, or anonymously if you feel safer. But the commission may not be able to investigate fully if it’s anonymous. Also, there are limits to what the commission can do. It cannot ask providers to terminate someone’s employment, or provide direct clinical advice about treatment.</p> <p>Sometimes the commission has issued a “non-compliance” notice to the provider (for a failure to meet quality standards), and action may again <a href="https://www.abc.net.au/news/2022-05-02/aged-care-complaint-about-southern-cross-care-young/101009716">be limited</a>. So it is a good idea to check the <a href="https://www.myagedcare.gov.au/non-compliance-checker">non-compliance register</a> beforehand to see if your provider is listed.</p> <h2>What do others complain about?</h2> <p>From October to December 2021, <a href="https://www.agedcarequality.gov.au/sites/default/files/media/acqs-sector-performance-data-oct-dec-2021.pdf">about a third</a> of Australian nursing homes had a complaint made to the commission against them. Some had more than one complaint. More than half of these complaints were lodged by family, friends or other consumers.</p> <p>The top reasons for complaints were about:</p> <ul> <li> <p>adequacy of staffing</p> </li> <li> <p>medication administration or management</p> </li> <li> <p>infectious diseases or infection control</p> </li> <li> <p>personal and oral hygiene</p> </li> <li> <p>how falls are prevented and managed</p> </li> <li> <p>consultation or communication with representatives and/or family members.</p> </li> </ul> <h2>What if I’m still not happy?</h2> <p>If you’re not happy when you receive the commission’s outcome, you can request a review with 42 days.</p> <p>You can also request the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> to review the complaint if you’re not satisfied with the commission’s decision or the way the commission handled your complaint.</p> <h2>Remember, you have a right to complain</h2> <p>The <a href="https://agedcare.royalcommission.gov.au">Aged Care Royal Commission</a> spotlighted the neglect and substandard care that can occur in nursing homes. Despite attempts to <a href="https://www.health.gov.au/resources/publications/concepts-for-a-new-framework-for-regulating-aged-care">lift the standard of aged care</a>, we know residents and carers still have concerns.</p> <p>Residents, and their representatives or families, have a legal <a href="https://www.agedcarequality.gov.au/consumers/standards/resources">right to speak up and complain</a>, free from reprisal or negative consequences. This right is also reflected in the <a href="https://www.agedcarequality.gov.au/consumers/consumer-rights">Charter of Aged Care Rights</a>, which providers are legally required to discuss with you and help you understand.</p> <h2>Moving to another facility</h2> <p>If you have exhausted all avenues of complaint or feel conditions have not improved, you may decide to move to another provider or facility, if available. This option may not be possible in rural areas.</p> <p>This is a difficult decision. It takes time, as well as financial and emotional resources. Starting again with a new provider can also be disruptive for everyone, but sometimes it may be the right choice.</p> <hr /> <p><em>Contact the <a href="https://opan.org.au">Older Persons Advocacy Network</a> on 1800 700 600, the <a href="https://www.agedcarequality.gov.au">Aged Care Quality and Safety Commission</a> on 1800 951 822 or the <a href="https://www.ombudsman.gov.au">Commonwealth Ombudsman</a> on 1300 362 072.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/180036/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jacqueline-wesson-1331752">Jacqueline Wesson</a>, Senior Lecturer (Teaching and Research), Discipline of Occupational Therapy, School of Health Sciences, Faculty of Medicine and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/lee-fay-low-98311">Lee-Fay Low</a>, Professor in Ageing and Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-complain-about-aged-care-and-get-the-result-you-want-180036">original article</a>.</em></p> </div>

Retirement Life

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"An incredible loss": Quincy Jones dies at age 91

<p>Legendary music producer Quincy Jones, who worked with the likes of Michael Jackson and Frank Sinatra throughout his career, has died at the age of 91. </p> <p>According to a statement from his family, he died on Sunday night at his home in Bel Air surrounded by friends and family. </p> <p>“Tonight, with full but broken hearts, we must share the news of our father and brother Quincy Jones’ passing,” the statement read. </p> <p>“And although this is an incredible loss for our family, we celebrate the great life that he lived and know there will never be another like him.”</p> <p>“He is truly one of a kind and we will miss him dearly; we take comfort and immense pride in knowing that the love and joy, that were the essence of his being, was shared with the world through all that he created. Through his music and his boundless love, Quincy Jones’ heart will beat for eternity.”</p> <p>A pioneer in the music industry, Jones arranged records for Frank Sinatra and Ella Fitzgerald, composed the soundtracks for <em>Roots</em> and <em>In the Heat of the Night</em>, produced Michael Jackson's iconic album <em>Thriller</em>, and oversaw the all-star recording of <em>We Are the World</em>: the 1985 charity record for famine relief in Africa.</p> <p>Dozens of movie and music stars have paid tribute to Jones, such as American singer and pianist Harry Connick Jr., who said that Jones was his "hero".</p> <p>“My hero. truly one of the greatest minds the music world has ever known. he was so kind to me, so wonderful, such an influence. his legacy and his music will live forever. thank you for everything, Q. you were the dude,” he wrote on Instagram.</p> <p>Acting icon Morgan Freeman said the producer had "left an enduring legacy" behind.</p> <p>"Today, we say goodbye to the legendary Quincy Jones – a musical giant whose genius reshaped our world and left an enduring legacy. Rest well, Quincy."</p> <p>Actor Colman Domingo recalled meeting Jones in a personal message, writing, “He asked, where are you from? Philly I replied, his eyes twinkled and he talked about the Uptown Theatre. I was so thrilled to meet Mr. American Music himself. I literally kneeled because he was a King. Thank you Mr. Quincy Jones for giving us all the sound."</p> <p><em>Image credits: John Salangsang/Shutterstock Editorial </em></p>

Caring

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Veteran ABC journalist dies at age 72

<p>Veteran ABC journalist Matt Peacock has died at the age of 72. </p> <p>The pioneering reporter had a stellar career with the public broadcaster after first joining in 1973, going on to be the chief political correspondent for current affairs radio in Canberra and foreign correspondent in London, Washington and New York.</p> <p>He also worked for several flagship ABC radio and television shows including AM, <em>The World Today</em> and PM.</p> <p>Peacock died following a battle with pancreatic cancer. </p> <p>ABC chair Kim Williams paid tribute to the journalist, saying, “Since starting at the ABC as a cadet in 1973, he was dedicated to pursuing the health impacts of asbestos in different communities, defending the marginalised and giving a voice to people who needed their story to be told.”</p> <p>“Our audiences trusted him and knew him as a courageous and principled journalist who pursued those who hid from their responsibilities."</p> <p>“He loved the ABC and believed in its integrity and standards and he urged his colleagues to uphold these values without compromise."</p> <p>“We will miss his friendship and advice. Our sincere condolences go to his family and friends.” </p> <p>Other media colleagues also shared their condolences online, including Aussie author, academic and community leader Everald Compton, who wrote on X, “Vale Matt Peacock. Quality journalist. One of the best ABC has had."</p> <p>Journalist, researcher and activist Wendy Bacon also wrote on X. “So sad to see Matt Peacock go."</p> <p>“I knew him for more than 50 years. Very good ABC News reporter but should also be remembered as a fierce anti-censorship campaigner and defender of prisoners’ rights and Indigenous Australian. Generous friend to many. A giant of journalism."</p> <p>During his time at the ABC, Peacock specialised in reporting on politics, the environment and science, and was best known for exposing how global materials giant James Hardie Industries covered up the deaths of thousands of Australians from asbestos. </p> <p>He also campaigned against censorship and defended the First Nations rights and those of the incarcerated.</p> <p><em>Image credits: ABC</em></p> <p style="box-sizing: inherit; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;"> </p>

Caring

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"One of the greatest men": Tarzan star dies at age 86

<p><em>Tarzan</em> star Ron Ely has died at the age of 86. </p> <p>The news of his passing was confirmed in an emotional statement by his daughter Kirsten, who wrote, “The world has lost one of the greatest men it has ever known – and I have lost my dad."</p> <p>“My father was someone that people called a hero. He was an actor, writer, coach, mentor, family man and leader. He created a powerful wave of positive influence wherever he went. The impact he had on others is something that I have never witnessed in any other person – there was something truly magical about him. This is how the world knew him.”</p> <p>“I knew him as my dad – and what a heaven sent honour that has been. To me, he hung the moon.”</p> <p>“My father’s life story was one of relentless perseverance, unending dedication to his family and friends, courage to do what was right, and willing sacrifice to facilitate the dreams of those he loved,” Kirsten continued.</p> <p>“It was also a story of joy and love – something everyone close to him had the privilege of experiencing. Once you knew my father’s love, the world grew to be a brighter and more meaningful place.”</p> <p>“I am doing my best to walk this path of loss with the strength and grace that I know he would want for me,” she added. </p> <p>“My greatest comfort is knowing that my dad is with my momma and my brother. It is also my greatest sadness because I miss them all so much that it’s etched into my soul. I will proudly carry all of my favourite pieces of them – lovingly cemented into my heart – until we all meet again.”</p> <p>Ely first one to fame in the 1960s with his role as <em>Tarzan</em> in the NBC TV series, which ran from 1966 to 1968. </p> <p>He later returned for Universal’s <em>Doc Savage: The Man of Bronze</em> in 1975, and took on guest roles on some of TV’s biggest shows, including <em>Wonder Woman</em>, <em>The Love Boat</em>, <em>Fantasy Island</em> and <em>Superboy</em>.</p> <p>Ely is survived by his daughters, Kirstin and Kaitland. In 2019, his son, Cameron, was shot and killed by Santa Barbara County sheriff's deputies after allegedly stabbing his mother, Ely’s wife, to death.</p> <p><em>Image credits: Matthew Rettenmund / Banner/Kobal / Shutterstock Editorial</em></p>

Caring

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Legendary broadcaster dies at age 87

<p>Legendary broadcaster and journalist Colin Chapman has passed away at the age of 87. </p> <p>After years of suffering from poor health, Chapman - who was known for his work in the media and as an author - died over the weekend. </p> <p>Chapman’s career spanned three continents and saw him as a print reporter as well a TV presenter, working for <span id="U842243185388XfE">BBC TV</span>, as well as having stints at the <span id="U842243185388uG"><em>Sunday Times</em>, <em>Financial Times</em> </span>and <span id="U842243185388pRF"><em>Observer</em>.</span></p> <p>He said previously, “There will not be many journalists who have been both writers and executives in the print media, and also on-camera performers and senior managers in radio and television.”</p> <p>He also enjoyed stints at the <em>New York Times</em>, <em>Washington Post</em> and <em>ABC</em>, where he was a founding producer of the network’s <em>The World Today</em>.</p> <p>Most recently, Chapman was the editor-at-large for the <em>Australian Outlook</em>, where his work included columns on elections around the world this year.</p> <p>During his renowned career, Chapman was not only an expert political analyst but also a revered foreign correspondent, including covering terror attacks in Hong Kong in the 1960s and international conflicts in Africa and the Suez region.</p> <p>He spent three periods in Australia - the last in 2004 - and was granted citizenship.</p> <p><em>Image credits: Facebook</em></p> <p> </p>

Caring

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Readers response: What’s your favourite destination you’ve visited later in life and why?

<p>When it comes to travelling, some destinations are better than others for different points in your life. </p> <p>We asked our readers what their favourite destination they've ever visited later in life is, and the response was overwhelming. Here's what they said. </p> <p><strong>Robin Liersch</strong> - Africa! Not about the big cities but the animals, landscape and people are lovely. Nature at its best.</p> <p><strong>Karen Ambrose</strong> - Sri Lanka. A fabulous tour.</p> <p><strong>Sandra Way</strong> - Switzerland, such a beautiful country.</p> <p><strong>Deb Moore</strong> - Scotland! The highlands. Because of my ancestry, now that I have been there I feel so very drawn back.</p> <p><strong>Wendy Beckhouse</strong> - Cambodia, Angkor Wat is amazing. Beautiful people and great food.</p> <p><strong>Patricia Monro</strong> - Singapore. A beautiful safe country with spectacular scenery everywhere. Our family lived there for a couple of years so our visits were perfect. Simply love Singapore.</p> <p><strong>Christina Hutchings</strong> - Norway. Especially Geirangar. The people and places were fantastic. Would love to go back.</p> <p><strong>Barbara Mules</strong> - Uzbekistan, not at all what I expected. So many beautiful old buildings, good food and lovely people.</p> <p><strong>Elizabeth Jeffreys</strong> - Italy. Love the country, people and food.</p> <p><strong>Helen Dickenson</strong> - Antarctica, the Parthenon and Machu Picchu because I never thought I could physically do it but I’m glad I managed it.</p> <p><strong>Regina Johnson</strong> - South Island, New Zealand. Spectacular.</p> <p><strong>Ian J Wilson</strong> - Japan, without a doubt.</p> <p><strong>Val Goodwin</strong> - Croatia, wonderful place and people.</p> <p><em>Image credits: Shutterstock </em></p> <p> </p>

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Are older adults more vulnerable to scams? What psychologists have learned about who’s most susceptible, and when

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/natalie-c-ebner-1527554">Natalie C. Ebner</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a></em></p> <p>About 1 in 6 Americans <a href="https://www.census.gov/library/stories/2023/05/2020-census-united-states-older-population-grew.html">are age 65 or older</a>, and that percentage <a href="https://www.ncoa.org/article/get-the-facts-on-older-americans">is projected to grow</a>. Older adults often hold positions of power, have retirement savings accumulated over the course of their lifetimes, and make important financial and health-related decisions – all of which makes them attractive targets for financial exploitation.</p> <p>In 2021, there were more than 90,000 older victims of fraud, according to the FBI. These cases resulted in <a href="https://www.ic3.gov/Media/PDF/AnnualReport/2021_IC3ElderFraudReport.pdf">US$1.7 billion in losses</a>, a 74% increase compared with 2020. Even so, that may be a significant undercount, since embarrassment or lack of awareness <a href="https://assets.aarp.org/rgcenter/econ/fraud-victims-11.pdf">keeps some victims from reporting</a>.</p> <p><a href="https://ncea.acl.gov/elder-abuse#gsc.tab=0">Financial exploitation</a> represents one of the most common forms of elder abuse. Perpetrators are often individuals in the victims’ inner social circles – family members, caregivers or friends – but can also be strangers.</p> <p>When older adults experience financial fraud, they typically <a href="https://public.tableau.com/app/profile/federal.trade.commission/viz/AgeandFraud/Infographic">lose more money</a> than younger victims. Those losses can have <a href="https://doi.org/10.1057/sj.2012.11">devastating consequences</a>, especially since older adults have limited time to recoup – dramatically reducing their independence, health and well-being.</p> <p>But older adults have been largely neglected in research on this burgeoning type of crime. We are <a href="https://ebnerlab.psych.ufl.edu/natalie-c-ebner-phd/">psychologists who study social cognition</a> and <a href="https://ebnerlab.psych.ufl.edu/didem-pehlivanoglu/">decision-making</a>, and <a href="https://ebnerlab.psych.ufl.edu/">our research lab</a> at the University of Florida is aimed at understanding the factors that shape vulnerability to deception in adulthood and aging.</p> <h2>Defining vulnerability</h2> <p>Financial exploitation involves a variety of exploitative tactics, such as coercion, manipulation, undue influence and, frequently, some sort of deception.</p> <p>The majority of current research focuses on <a href="https://doi.org/10.1002/acp.3052">people’s ability to distinguish between truth and lies</a> during interpersonal communication. However, deception occurs in many contexts – increasingly, over the internet.</p> <p>Our lab conducts laboratory experiments and real-world studies to measure susceptibility under various conditions: investment games, lie/truth scenarios, phishing emails, text messages, fake news and deepfakes – fabricated videos or images that are created by artificial intelligence technology.</p> <p>To study how people respond to deception, we use measures like surveys, brain imaging, behavior, eye movement and heart rate. We also collect health-related biomarkers, such as being a carrier of <a href="https://pubmed.ncbi.nlm.nih.gov/8346443/">gene variants</a> that increase risk for Alzheimer’s disease, to identify individuals with particular vulnerability.</p> <p>And <a href="https://doi.org/10.20900/agmr20230007">our work</a> shows that an older adult’s ability to detect deception is not just about their individual characteristics. It also depends on how they are being targeted.</p> <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=1000&amp;fit=clip"><img src="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=339&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=339&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=339&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=426&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=426&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=426&amp;fit=crop&amp;dpr=3 2262w" alt="A figure with two circles and an arrow between them. One circle shows icons that symbolize individual susceptibility to deception -- like a brain, and a walking cane -- while the other has icons of types of deception, like mail or a text message." /></a><figcaption><span class="caption">Vulnerability depends not only on the person, but also the type of fraud being used.</span> <span class="attribution"><span class="source">Natalie Ebner and Didem Pehlivanoglu</span></span></figcaption></figure> <h2>Individual risk factors</h2> <p>Better cognition, social and emotional capacities, and brain health are all associated with less susceptibility to deception.</p> <p>Cognitive functions, such as how quickly our brain processes information and how well we remember it, <a href="https://doi.org/10.1177/1745691619827511">decline with age</a> and impact decision-making. For example, among people around 70 years of age or older, declines in analytical thinking are associated with <a href="https://doi.org/10.1037/xap0000426">reduced ability to detect false news stories</a>.</p> <p>Additionally, low memory function in aging is associated with <a href="https://doi.org/10.1093/geronb/gby036">greater susceptibility to email phishing</a>. Further, according to recent <a href="https://osf.io/preprints/osf/6f2y9">research</a>, this correlation is specifically pronounced among older adults who carry a gene variant that is a genetic risk factor for developing Alzheimer’s disease later in life. Indeed, some research suggests that greater financial exploitability may serve as <a href="https://doi.org/10.1016/j.neubiorev.2022.104773">an early marker</a> of disease-related cognitive decline.</p> <p>Social and emotional influences are also crucial. Negative mood can enhance somebody’s ability to detect lies, while <a href="https://doi.org/10.1037/xap0000426">positive mood in very old</a> age can impair a person’s ability to detect fake news.</p> <p>Lack of support and loneliness exacerbate susceptibility to deception. Social isolation during the COVID-19 pandemic has led to <a href="https://doi.org/10.1093/gerona/glaa077">increased reliance on online platforms</a>, and older adults with lower digital literacy are <a href="https://doi.org/10.1093/geront/gnac188">more vulnerable to fraudulent emails and robocalls</a>.</p> <p>Finally, an individual’s brain and body responses play a critical role in susceptibility to deception. One important factor is <a href="https://doi.org/10.1016/j.tins.2020.10.007">interoceptive awareness</a>: the ability to accurately read our own body’s signals, like a “gut feeling.” This awareness is correlated with <a href="https://doi.org/10.1093/geroni/igad104.3714">better lie detection</a> in older adults.</p> <p>According to <a href="https://doi.org/10.1093/gerona/glx051">a first study</a>, financially exploited older adults had a significantly smaller size of insula – a brain region key to integrating bodily signals with environmental cues – than older adults who had been exposed to the same threat but avoided it. Reduced insula activity is also related to greater difficulty <a href="https://doi.org/10.1073/pnas.1218518109">picking up on cues</a> that make someone appear less trustworthy.</p> <h2>Types of effective fraud</h2> <p>Not all deception is equally effective on everyone.</p> <p><a href="https://doi.org/10.1145/3336141">Our findings</a> show that email phishing that relies on reciprocation – people’s tendency to repay what another person has provided them – was more effective on older adults. Younger adults, on the other hand, were more likely to fall for phishing emails that employed scarcity: people’s tendency to perceive an opportunity as more valuable if they are told its availability is limited. For example, an email might alert you that a coin collection from the 1950s has become available for a special reduced price if purchased within the next 24 hours.</p> <p>There is also evidence that as we age, we have greater difficulty detecting the “wolf in sheep’s clothing”: someone who appears trustworthy, but is not acting in a trustworthy way. In <a href="https://doi.org/10.1038/s41598-023-50500-x">a card-based gambling game</a>, we found that compared with their younger counterparts, older adults are more likely to select decks presented with trustworthy-looking faces, even though those decks consistently resulted in negative payouts. Even after learning about untrustworthy behavior, older adults showed greater difficulty overcoming their initial impressions.</p> <h2>Reducing vulnerability</h2> <p>Identifying who is especially at risk for financial exploitation in aging is crucial for preventing victimization.</p> <p>We believe interventions should be tailored, instead of a one-size-fits-all approach. For example, perhaps machine learning algorithms could someday determine the most dangerous types of deceptive messages that certain groups encounter – such as in text messages, emails or social media platforms – and provide on-the-spot warnings. Black and Hispanic consumers are <a href="https://www.ftc.gov/system/files/documents/reports/combating-fraud-african-american-latino-communities-ftcs-comprehensive-strategic-plan-federal-trade/160615fraudreport.pdf">more likely to be victimized</a>, so there is also a dire need for interventions that resonate with their communities.</p> <p>Prevention efforts would benefit from taking a holistic approach to help older adults reduce their vulnerability to scams. Training in <a href="https://doi.org/10.1007/s40520-019-01259-7">financial, health</a> and <a href="https://www.nature.com/articles/s41598-022-08437-0.pdf">digital literacy</a> are important, but so are programs to <a href="https://doi.org/10.1186/s12889-021-10363-1">address loneliness</a>.</p> <p>People of all ages need to keep these lessons in mind when interacting with online content or strangers – but not only then. Unfortunately, financial exploitation often comes from individuals close to the victim.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/227991/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/natalie-c-ebner-1527554"><em>Natalie C. Ebner</em></a><em>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, Postdoctoral Researcher, Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/are-older-adults-more-vulnerable-to-scams-what-psychologists-have-learned-about-whos-most-susceptible-and-when-227991">original article</a>.</em></p> </div>

Money & Banking

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Readers response: How do you handle changes in energy levels as you age?

<p>As we get older, our levels of energy, ability and agility can slowly start to decrease, making us change our day-to-day lifestyles. </p> <p>We asked our readers how they handle these changes, and the response was overwhelming. Here's what they said. </p> <p><strong>Margo Courtney</strong> - Eat clean and healthy and your body will reward you with heaps of energy and vitality. I have a very big green smoothie most days as one of my 2 meals, along with 2 litres of water a day, and I don't even need much sleep.</p> <p><strong>Ron Stubbs</strong> - Up at 8am, can’t be late for my walk in the sun, and feeling great. Don’t need afternoon snooze then. I’m 77.</p> <p><strong>Kristeen Bon</strong> - I don’t handle them. I flop on the couch most afternoons for a quick five minute interior eye check!</p> <p><strong>Sylvia Brice</strong> - I have an autoimmune disease so my levels of energy are way down. I do what l can in small bursts and rest when l need to. Luckily l read and craft so can always do them. It's very hard to adapt but that's life and l am so much better for off than younger people with my disease. Think positive.</p> <p><strong>Judie Fisher</strong> - Do chores in small stretches, and have regular breaks.</p> <p><strong>Diane Green</strong> - Adjust. I do what I can, and what I can't just has to wait.</p> <p><strong>Raymond Richards</strong> - As they told us at the heart clinic, if you have something you HAVE to do - do it first.</p> <p><strong>Janis St George</strong> - Listen to your body - rest awhile when you need to.</p> <p><strong>Kaylene Samuels</strong> - Have a SCAN..... Seniors Compulsory Afternoon Nap.</p> <p><em>Image credits: Shutterstock </em></p>

Body

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How do we save ageing Australians from the heat? Greening our cities is a good start

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/claudia-baldwin-248780">Claudia Baldwin</a>, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/jason-byrne-6066">Jason Byrne</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>, and <a href="https://theconversation.com/profiles/tony-matthews-234160">Tony Matthews</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p>Heatwaves have killed more Australians than <a href="https://ama.com.au/ausmed/heatwave-health-warning">road accidents</a>, fires, floods and <a href="https://www.sciencedirect.com/science/article/pii/S1462901114000999">all other natural disasters combined</a>. Although <a href="https://theconversation.com/forget-heatwaves-our-cold-houses-are-much-more-likely-to-kill-us-83030">recent research</a> shows extreme cold is a worry in some parts of Australia, <a href="https://theconversation.com/2018-19-was-australias-hottest-summer-on-record-with-a-warm-autumn-likely-too-112616">our hottest summer on record</a> points to more heat-related deaths to come. The <a href="https://theconversation.com/the-stubborn-high-pressure-system-behind-australias-record-heatwaves-110442">record heatwaves</a> have highlighted the damaging effects of heat stress. Understandably, it’s becoming a major <a href="https://ama.com.au/ausmed/heatwaves-nation%E2%80%99s-deadliest-natural-disaster-0">public health challenge</a>.</p> <p>The risk of extreme heat events and the adverse impacts on older people has been extensively <a href="https://jech.bmj.com/content/64/9/753.short">discussed in research</a>. Remarkably, very little attention has been paid to the role of urban greenery in reducing heat stress for seniors.</p> <p>Older people are particularly at risk of heat stress. Pre-existing medical conditions and limited mobility increase their vulnerability. <a href="http://www.cmaj.ca/content/182/10/1053.short">Deaths of older people increase</a> during extreme heat events.</p> <p>The physical features of urban areas shape the capacity of older adults to engage in many activities when it’s hot. These include vegetation volume and coverage, <a href="https://theconversation.com/building-cool-cities-for-a-hot-future-57489">thermal design</a>, and the extent of shading in public areas and walkways. Increasing urban greenery may offer a way to improve older people’s comfort and social experience.</p> <h2>Ageing adds urgency to greening</h2> <p>It is expected <a href="http://www.un.org/en/sections/issues-depth/ageing/">20% of the global population</a> will be older than 60 by 2050. The figure for Australia <a href="http://www.abs.gov.au/ausstats/abs@.nsf/mediareleasesbyTopic/2CA2134677EF9D03CA257C2E0017283B?OpenDocument">is even higher</a>, at 23%. This means that by 2050 around one in four Australians will be more vulnerable to extreme heat.</p> <figure class="align-right zoomable"></figure> <p>Climate change may make the problem worse by <a href="https://www.sciencedirect.com/science/article/pii/S0749379708006867">fuelling even more extreme heat</a> events.</p> <p>Planning our urban centres to meet the needs of a <a href="https://www.aihw.gov.au/reports/older-people/older-australia-at-a-glance/contents/demographics-of-older-australians">rapidly ageing population</a> is a matter of urgency. Urban greening to reduce their vulnerability to heat stress should be central to this agenda. It can also improve people’s quality of life, reduce <a href="https://www.sciencedirect.com/science/article/abs/pii/S1353829208001172">social isolation and loneliness</a>, and ease the burden on health systems.</p> <p>An important task is matching the design of communities with the needs of an ageing population. Where older adults live and the quality of their local areas strongly influence their lived experiences. Yet <a href="https://journals.sagepub.com/doi/abs/10.1177/0885412217704649">recent research</a> found the experiences of seniors were often not accounted for in research on neighbourhood design.</p> <h2>What about aged care?</h2> <p>People face choices about where they live as they age. The common choices are to “<a href="https://theconversation.com/for-australians-to-have-the-choice-of-growing-old-at-home-here-is-what-needs-to-change-91488">age in place</a>” or to move into aged care.</p> <p>Ageing in place includes living in one’s own home or <a href="https://theconversation.com/co-housing-works-well-for-older-people-once-they-get-past-the-image-problem-79907">co-habiting with relatives or friends</a>. Around 90% of Australian seniors <a href="https://www.pc.gov.au/research/completed/housing-decisions-older-australians/housing-decisions-older-australians.pdf">choose this option</a>, with the remainder opting for aged-care facilities.</p> <p>If one in ten Australian seniors live in aged-care facilities, it is clear these should be designed to minimise heat stress. This isn’t just good for residents; it may also benefit operators by lowering health-care and electricity costs.</p> <p>While these facilities are purpose-built for older people, many in Australia were built well over a decade ago, when heat stress was not such a large concern. Many more facilities are being built now and will be into the future. Yet it is uncertain whether they are being actively designed to reduce the impacts of heat.</p> <h2>What has our research found?</h2> <p>We recently conducted a focus group to investigate this issue. Participants were senior managers from four large corporate providers of aged care in Australia. We investigated if and how providers try to minimise heat stress through design. We also sought to understand the rationales used to support these design approaches.</p> <p>Several participants reported on refurbishments that they expect will have cooling effects. Cited design approaches included green roofs and walls, as well as sensory gardens. Other expected benefits included reducing anxiety and improving the mental health of residents.</p> <p>The fact that single design interventions could produce multiple benefits improved the potential for corporate buy-in. Participants expected that increasing green space and green cover would give their facilities a competitive advantage by attracting more clients and providing a better working environment for staff.</p> <p>Participants also reported on challenges of including greening in their projects. For example, the benefits of trees were weighed against concerns about roots disrupting footpaths and becoming trip hazards. Species selection was another concern, with fears that inappropriate plants could die and undermine support for greening programs.</p> <p>Our research suggests that more can be done to make cities hospitable for older people, especially during extreme heat. Urban greening is a start. Encouraging aged-care providers to adopt green infrastructure will have benefits. But we should also consider reforms to planning systems and urban design to better protect older people who choose to age in place.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/112613/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/claudia-baldwin-248780">Claudia Baldwin</a>, Associate Professor, Urban Design and Town Planning, Sustainability Research Centre, <a href="https://theconversation.com/institutions/university-of-the-sunshine-coast-1068">University of the Sunshine Coast</a>; <a href="https://theconversation.com/profiles/jason-byrne-6066">Jason Byrne</a>, Professor of Human Geography and Planning, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a>, and <a href="https://theconversation.com/profiles/tony-matthews-234160">Tony Matthews</a>, Senior Lecturer in Urban and Environmental Planning, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-do-we-save-ageing-australians-from-the-heat-greening-our-cities-is-a-good-start-112613">original article</a>.</em></p> </div>

Domestic Travel

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How to choose a legal decision-maker as you get older – 3 things to consider

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/joseph-ibrahim-252671">Joseph Ibrahim</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/amelia-grossi-1280226">Amelia Grossi</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>“It’s my life and I’ll do what I want,” <a href="https://www.youtube.com/watch?v=HNzmrEgz_GI">sang</a> Eric Burdon of The Animals to the baby boomer generation. Unfortunately, that’s not always the case. As we get older, sometimes we are no longer capable of making our own decisions. Diseases that affect the brain such as dementia, stroke and head injury can impair cognition and thinking.</p> <p>Some people may choose to appoint a <a href="https://www.legislation.vic.gov.au/in-force/acts/medical-treatment-planning-and-decisions-act-2016/008">medical treatment decision-maker</a> or an <a href="https://www.legislation.vic.gov.au/in-force/acts/powers-attorney-act-2014/007">enduring power of attorney</a> to make certain decisions on their behalf. Alternatively, a legal tribunal or court may appoint <a href="https://www.legislation.vic.gov.au/in-force/acts/guardianship-and-administration-act-2019/005">a guardian or trustee</a> to help guide decisions about health care, finances, accommodation and lifestyle.</p> <p>Who is the right person to take on this important role? Is it the family member or partner who knows you best? Or someone with time and energy? Perhaps someone who understands the services you need – like a nurse, accountant or real estate agent?</p> <p>The role of a decision-making representative has <a href="https://www.alrc.gov.au/publication/equality-capacity-and-disability-in-commonwealth-laws-alrc-report-124/3-national-decision-making-principles-2/will-preferences-and-rights-2/#:%7E:text=The%20'best%20interests'%20principle%20is,an%20equal%20basis%20with%20others">changed significantly</a> in recent years, shifting from a paternalistic approach to a more person-centred focus. Our <a href="https://pubmed.ncbi.nlm.nih.gov/35157838/">research</a> looks at the differences between these approaches and how subconscious bias can influence decision-making.</p> <h2>Taking care</h2> <p>These days, guardianship has <a href="https://www.legislation.vic.gov.au/in-force/acts/guardianship-and-administration-act-2019/005">moved</a> from deciding what’s deemed to be in the individual’s “best interests” to what best reflects their “will and preferences”.</p> <p>While <a href="https://www.legislation.vic.gov.au/repealed-revoked/acts/guardianship-and-administration-act-1986/089">previously</a>, decisions were made for the person by their guardian or representative, new laws require representatives to enact the person’s “will and preferences”. That is, to make decisions with them.</p> <p>This is an important difference. The newer model gives the represented person more autonomy over personal, financial and other decisions. It recognises that even though a person may struggle with aspects of decision-making, they should not be excluded from decisions about how they live their life. This fundamental shift was <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6313688/">earlier adopted</a> by the United Nations in the <a href="https://www.ohchr.org/en/hrbodies/crpd/pages/conventionrightspersonswithdisabilities.aspx">Convention on the Rights of Persons with Disability</a>, to which Australia is a signatory.</p> <h2>Challenging in real world situations</h2> <p>The will and preferences <a href="https://supporteddecisionmaking.com.au/wp-content/uploads/sites/4/2021/08/Realising-will-preferences-and-rights-reconciling-differences-on-best-practice-support-for-decision-making.pdf">framework</a> may sound simple, but it can be <a href="https://www.tandfonline.com/doi/full/10.1080/09687599.2021.1941781">challenging in practice</a>, when concepts of empowerment are tricky to define and the will of someone with cognitive difficulties is hard to discern.</p> <p>Representatives <a href="https://supporteddecisionmaking.com.au/wp-content/uploads/sites/4/2021/08/Realising-will-preferences-and-rights-reconciling-differences-on-best-practice-support-for-decision-making.pdf">bring their own biases, perceptions and lived experience</a> to the role of supporting another person to make decisions. This subjectivity is a natural and an inherent part of decision-making. The representative faces the challenge of setting aside their own opinion and, instead, stepping into the shoes of the represented person to give effect to what they want.</p> <p>A mismatch between the age, gender, ethnicity, religion or socioeconomic status of the representative and the represented person can exacerbate this challenge.</p> <p>An older able-bodied female, who is deeply religious and from a middle-to-high income background might find it difficult to represent a young man with a disability who is an atheist and from a working-class background. Now, imagine a scenario where the young man expresses a desire to go bungee-jumping or parachuting, despite previously showing a fear of heights. What’s his representative to do?</p> <p>Older people and women generally <a href="https://www.tandfonline.com/doi/abs/10.1080/1366987032000105315?journalCode=rjrr20">have a lower appetite for risk</a>, as do those who have a faith and with a high socioeconomic status.</p> <p>A heightened perception of danger or a feeling the activity as frivolous, may lead to the representative reframing the situation with their subconscious bias. They may fail to respect the younger person’s will and preferences.</p> <p>Understanding what might shape a representative’s approach to decision-making is essential. Especially when decisions involve <a href="https://theconversation.com/do-you-want-to-be-resuscitated-this-is-what-you-should-think-about-before-deciding-105506">health</a> or <a href="https://theconversation.com/theres-no-need-to-lock-older-people-into-nursing-homes-for-their-own-safety-73954">living arrangements</a>.</p> <h2>3 things to look for when selecting a legal decision-making representative</h2> <p><strong>1. Deep understanding</strong></p> <p>An intimate understanding of your situation is crucial. An ideal representative is someone who actively listens and has a holistic view of your circumstances. This may come from discussions with you and your loved ones. The representative must be careful your views are not outweighed by those of family or friends who are often more vocal. They should have a deep sense of who you are as an individual.</p> <p><strong>2. Self-awareness</strong></p> <p>The person you choose should be able to describe their personal views and values and understand how their perspective may influence their decisions. This is vital to mitigate the effects of pre-existing bias. They should be able to reflect on their own lived experiences, to understand how their history shapes their approach to decision-making. They should be able to assess whether what you would do is the same as what they think you should do, and why.</p> <p><strong>3. Effective documentation</strong></p> <p>A record of conversations between the representative and represented person often helps to illuminate a person’s will and preferences. Writing or recording compels us to commit to an idea and explain what we mean. It helps to clarify what is intended far better than a one-time conversation that may be remembered differently by participants.</p> <p>Further research is needed to better match representatives with represented persons. Improved tools are needed to identify the role of bias in decision-making and evaluate whether the represented person’s wills and preferences are being respected.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/177631/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/joseph-ibrahim-252671">Joseph Ibrahim</a>, Professor, Health Law and Ageing Research Unit, Department of Forensic Medicine, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/amelia-grossi-1280226">Amelia Grossi</a>, , <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-to-choose-a-legal-decision-maker-as-you-get-older-3-things-to-consider-177631">original article</a>.</em></p> </div>

Legal

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One Direction star passes away aged 31

<p>Former One Direction star Liam Payne has reportedly been found dead outside a hotel in Buenos Aires, in Argentina, according to local newspaper <em>La Nacion</em>.</p> <p>The 31-year-old is believed to have fallen from the third floor of a hotel at around 5pm local time the newspaper said, citing emergency services.</p> <p>According to<em> La Nacion</em> the local police station was called by the hotel manager who reported "an aggressive man who could be under the influence of drugs or alcohol". </p> <p>It is reported that Payne fell from around 13 or 14 metres and suffered "very serious injuries incompatible with life." </p> <p>Alberto Crescenti, head of the state emergency medical system SAME (El Sistema de Atención Médica de Emergencias), told local TV that Payne had fallen into a courtyard of the Casa Sur Hotel in the Palermo neighbourhood.</p> <p>“At 17.11, a SAME team arrived and confirmed the man’s death. We later learned that he was a singer in a musical group.</p> <p>“Unfortunately, he had injuries incompatible with life as a result of his fall, so we had to confirm his death. There was no possibility of resuscitation.”</p> <p>Payne was one of the founding members of One Direction, one of the most loved boy bands of the past decade.</p> <p>He auditioned first as a solo act for the UK reality series The X Factor in 2008, before being eliminated.</p> <p>In 2010 he auditioned again and was grouped with Harry Styles, Niall Horan, Louis Tomlinson and Zayn Malik by the judges to form One Direction.</p> <p><em>Image: SplashNews.com/ Shutterstock Editorial</em></p> <p> </p>

Caring

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Eight simple changes to our neighbourhoods can help us age well

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a></em></p> <p>Where we live can play a big part in ageing well, largely because of the links between physical activity and wellbeing. <a href="https://www.ahuri.edu.au/__data/assets/pdf_file/0012/2181/AHURI_Final_Report_No214_Downsizing-amongst-older-Australians.pdf">Research shows</a> that two-thirds of Australians prefer to age in place. That is, we want to live independently in our homes for as long as we can. Our neighbourhoods and their design can then improve or hinder our ability to get out of the house and be physically active.</p> <p>The rapid ageing of Australia’s population only adds to the importance of neighbourhood design. In 2016, 15% of Australians were aged 65 or older. That proportion is <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/overview">projected to double</a> by 2056.</p> <p>These trends present several <a href="https://www.aihw.gov.au/reports-statistics/population-groups/older-people/reports">social and economic challenges</a>, particularly for the health sector. Designing neighbourhoods in ways that promote physical activity can help overcome these challenges.</p> <h2>Eight simple steps</h2> <p>The following is a short list of <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/s12966-017-0471-5">evidence-based steps</a> local and state governments can take to assist older people to be physically active. These involve minor but effective changes to neighbourhood design.</p> <p><strong>Improve footpaths:</strong> Research indicates that older people have a <a href="https://theconversation.com/why-older-people-get-osteoporosis-and-have-falls-68145">higher risk of falls</a>. Ensuring footpaths are level and crack-free, and free from obstructions, will encourage walking among older people – especially those with a disability.</p> <p><strong>Connected pedestrian networks:</strong> Introducing footpaths at the end of no-through-roads and across long street blocks reduces walking distances to destinations. This makes walking a more viable option.</p> <p><strong>Slowing traffic in high-pedestrian areas:</strong> Slowing traffic <a href="https://www.heartfoundation.org.au/images/uploads/publications/Safe-Speed-Evidence-Report.pdf">improves safety</a> by reducing the risk of a collision. It also reduces the risk of <a href="https://www.ncbi.nlm.nih.gov/pubmed/28557669">death and serious injury</a> in the event of a collision.</p> <p><strong>Age-friendly street crossings:</strong> Installing longer pedestrian crossing light sequences gives older pedestrians <a href="https://academic.oup.com/ageing/article/41/5/690/47318/Most-older-pedestrians-are-unable-to-cross-the">more time to cross</a>, and installing refuge islands means those who walk more slowly can cross the street in two stages.</p> <p><strong>Disabled access at public transport:</strong> Although a form of motorised transport, public transport users undertake more incidental physical activity compared with car users. This is because they walk between transit stops and their origins and destinations. Improving disabled access helps make public transport a viable option for more older people.</p> <p><strong>Places to rest:</strong> <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/1471-2458-13-1054">Providing rest spots</a> such as benches enables older people to break up their walk and rest when needed.</p> <p><strong>Planting trees:</strong> Planting trees <a href="http://www.sciencedirect.com/science/article/pii/S0277953614004109?via%3Dihub">creates more pleasant scenery</a> to enjoy on a walk. It also provides shade on hot days.</p> <p><strong>Improving safety:</strong> Ensuring that streets are well-lit and reducing graffiti and signs of decay are likely to <a href="https://www.ncbi.nlm.nih.gov/pubmed/24552845">improve perceptions of safety</a> among older people.</p> <h2>Why physical activity matters</h2> <p>Physical function – the ability to undertake everyday activities such as walking, bathing and climbing stairs – often declines as people age. The reason for this is that ageing is often accompanied by a reduction in muscle strength, flexibility and cardiorespiratory reserves.</p> <p>Regular physical activity can <a href="https://www.ncbi.nlm.nih.gov/pubmed/14552936">prevent or slow the decline</a> in physical function, even among those with existing health conditions.</p> <p>Middle-to-older aged adults can reduce their risk of physical function decline <a href="https://ijbnpa.biomedcentral.com/articles/10.1186/1479-5868-7-38">by 30%</a> with regular physical activity (at least 150 minutes per week). This includes recreational physical activity, like walking the dog, or incidental physical activity, such as walking to the shops or to visit friends.</p> <p>By making minor changes as outlined above, the health and longevity of our elderly population can be extended. Such changes will help our elderly age well in place.</p> <p><em><a href="https://theconversation.com/profiles/jerome-n-rachele-251972">Jerome N Rachele</a>, Research Fellow in Social Epidemiology, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a>; <a href="https://theconversation.com/profiles/james-f-sallis-407885">James F Sallis</a>, Professorial Fellow, Institute for Health and Ageing, Australian Catholic University, and Emeritus Professor, Department of Family Medicine and Public Health, <a href="https://theconversation.com/institutions/university-of-california-san-diego-1314">University of California, San Diego</a>, and <a href="https://theconversation.com/profiles/venurs-loh-118864">Venurs Loh</a>, PhD Candidate, Institute for Health and Ageing, <a href="https://theconversation.com/institutions/australian-catholic-university-747">Australian Catholic University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/eight-simple-changes-to-our-neighbourhoods-can-help-us-age-well-83962">original article</a>.</em></p> </div>

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Mother and son reunited after rigid aged care rules divided them

<p>An elderly woman and her disabled son are celebrating after they successfully beat a bureaucratic blockage that threatened to <a href="https://oversixty.com.au/lifestyle/family-pets/red-tape-threatens-to-remove-a-man-with-down-s-syndrome-from-his-elderly-mother" target="_blank" rel="noopener">split</a> them up for good. </p> <p>Anne Deans, 81, and her 56-year-old son, Mark, who suffers from Down's syndrome, were hoping to live together in Anne's aged care facility, but the pair were met with countless hurdles when trying to get Mark a room of his own. </p> <p>Now, Mark's sister Sharon shared the happy news that the mother and son are to be reunited.</p> <p>"We're very happy today. We've got a great result," Sharon told <a href="https://9now.nine.com.au/a-current-affair/melbourne-mum-and-son-living-with-downs-syndrome-reunited-in-aged-care-facility/ff023844-be2d-4ab8-be95-75bf91f17b4a" target="_blank" rel="noopener"><em>A Current Affair</em></a>.</p> <p>"I'm so grateful that people understood and they listened. That's all I ever wanted through this whole thing, was someone to listen."</p> <p>The problems began when authorities originally refused Mark's request to move into Anne's aged care facility, with federal government policy saying that aged care is "not appropriate for people under 65".</p> <p>But Mark's relatives argued that given the life expectancy of people living with Down's syndrome is 60 years, an exception should be made.</p> <p>A new assessment was done and Mark has been granted a place at the same nursing home as his mother, as Mark's other sister Michelle said, "We got what we wanted. Everything worked out perfectly, the way it's supposed to."</p> <p>After Anne received the exciting news, she said, "I'm feeling great. He's staying with Mum!"</p> <p>Sharon and Michelle hope that their experience will assist other families with unique circumstances.</p> <p>"My advice is to keep pushing," Sharon said. "Only you know your family and you have to be their voice.</p> <p>"There's a lot of difference out there and a lot of people who are individuals [and] they need to be looked at individually."</p> <p><em>Image credits: A Current Affair </em></p>

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Are you over 75? Here’s what you need to know about vitamin D

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/elina-hypponen-108811">Elina Hypponen</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/joshua-sutherland-1646406">Joshua Sutherland</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>Vitamin D is essential for bone health, immune function and overall wellbeing. And it becomes even <a href="https://pubmed.ncbi.nlm.nih.gov/38337682/">more crucial</a> as we age.</p> <p>New guidelines from the international Endocrine Society <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">recommend</a> people aged 75 and over should consider taking vitamin D supplements.</p> <p>But why is vitamin D so important for older adults? And how much should they take?</p> <h2>Young people get most vitamin D from the sun</h2> <p>In Australia, it is possible for most people under 75 to get enough vitamin D from the sun <a href="https://healthybonesaustralia.org.au/your-bone-health/vitamin-d-bone-health">throughout the year</a>. For those who live in the top half of Australia – and for all of us during summer – we <a href="https://healthybonesaustralia.org.au/your-bone-health/vitamin-d-bone-health">only need</a> to have skin exposed to the sun for a few minutes on most days.</p> <p>The body can only produce a certain amount of vitamin D at a time. So staying in the sun any longer than needed is not going to help increase your vitamin D levels, while it will increase your risk of skin cancer.</p> <p>But it’s difficult for people aged over 75 to get enough vitamin D from a few minutes of sunshine, so the Endocrine Society <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">recommends</a> people get 800 IU (international units) of vitamin D a day from food or supplements.</p> <h2>Why you need more as you age</h2> <p>This is higher than the recommendation for younger adults, reflecting the increased needs and reduced ability of older bodies to produce and absorb vitamin D.</p> <p>Overall, older adults also tend to have <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3356951/">less exposure</a> to sunlight, which is the primary source of natural vitamin D production. Older adults may spend more time indoors and wear more clothing when outdoors.</p> <p>As we age, our skin also becomes <a href="https://pubmed.ncbi.nlm.nih.gov/18290718/">less efficient</a> at synthesising vitamin D from sunlight.</p> <p>The kidneys and the liver, which help convert vitamin D into its active form, also lose some of their efficiency with age. This makes it <a href="https://www.sciencedirect.com/science/article/abs/pii/S0889852913000145">harder for the body to maintain</a> adequate levels of the vitamin.</p> <p>All of this combined means older adults need more vitamin D.</p> <h2>Deficiency is common in older adults</h2> <p>Despite their higher needs for vitamin D, people over 75 may not get enough of it.</p> <p>Studies <a href="https://www.abs.gov.au/articles/vitamin-d">have shown</a> one in five older adults in Australia have vitamin D deficiency.</p> <p>In higher-latitude parts of the world, such as the United Kingdom, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6627050/">almost half</a> don’t reach sufficient levels.</p> <p>This increased risk of deficiency is partly due to <a href="https://pubmed.ncbi.nlm.nih.gov/33309415/">lifestyle factors</a>, such as spending less time outdoors and insufficient dietary intakes of vitamin D.</p> <p>It’s difficult to get enough vitamin D from food alone. <a href="https://dietitiansaustralia.org.au/health-advice/vitamin-d">Oily fish, eggs and some mushrooms</a> are good sources of vitamin D, but few other foods contain much of the vitamin. While foods can be fortified with the vitamin D (margarine, some milk and cereals), these may not be readily available or be consumed in sufficient amounts to make a difference.</p> <p>In some countries such as the <a href="https://ods.od.nih.gov/factsheets/VitaminD-HealthProfessional/">United States</a>, most of the dietary vitamin D comes from fortified products. However, in <a href="https://pubmed.ncbi.nlm.nih.gov/35253289">Australia</a>, dietary intakes of vitamin D are typically very low because only a few foods are fortified with it.</p> <h2>Why vitamin D is so important as we age</h2> <p>Vitamin D <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5367643/">helps the body absorb calcium</a>, which is essential for maintaining bone density and strength. As we age, our bones become more fragile, increasing the risk of fractures and conditions like osteoporosis.</p> <p>Keeping bones healthy is crucial. Studies <a href="https://pubmed.ncbi.nlm.nih.gov/28726112/">have shown</a> older people hospitalised with hip fractures are 3.5 times more likely to die in the next 12 months compared to people who aren’t injured.</p> <p>Vitamin D may also help <a href="https://pubmed.ncbi.nlm.nih.gov/28202713/">lower the risk</a> of respiratory infections, which can be more serious in this age group.</p> <p>There is also emerging evidence for other potential benefits, including <a href="https://pubmed.ncbi.nlm.nih.gov/29233204/">better brain health</a>. However, this requires more research.</p> <p>According to the society’s systematic review, which summarises evidence from randomised controlled trials of vitamin D supplementation in humans, there is <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">moderate evidence</a> to suggest vitamin D supplementation can lower the risk of premature death.</p> <p>The society estimates supplements can prevent six deaths per 1,000 people. When considering the uncertainty in the available evidence, the actual number could range from as many as 11 fewer deaths to no benefit at all.</p> <h2>Should we get our vitamin D levels tested?</h2> <p>The Endocrine Society’s guidelines <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">suggest</a> routine blood tests to measure vitamin D levels are not necessary for most healthy people over 75.</p> <p>There is no clear evidence that regular testing provides significant benefits, unless the person has a specific medical condition that affects vitamin D metabolism, such as kidney disease or certain bone disorders.</p> <p>Routine <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10498906">testing</a> can also be expensive and inconvenient.</p> <p>In most cases, the <a href="https://pubmed.ncbi.nlm.nih.gov/38828931/">recommended approach</a> to over-75s is to consider a daily supplement, without the need for testing.</p> <p>You can also try to boost your vitamin D by adding fortified foods to your diet, which might lower the dose you need from supplementation.</p> <p>Even if you’re getting a few minutes of sunlight a day, a daily vitamin D is still recommended.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/231820/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/elina-hypponen-108811">Elina Hypponen</a>, Professor of Nutritional and Genetic Epidemiology, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a> and <a href="https://theconversation.com/profiles/joshua-sutherland-1646406">Joshua Sutherland</a>, PhD Candidate - Nutrition and Genetic Epidemiology, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/are-you-over-75-heres-what-you-need-to-know-about-vitamin-d-231820">original article</a>.</em></p> </div>

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Hollywood legend Kris Kristofferson dies at age 88

<p>Music and movie legend Kris Kristofferson has died at the age of 88. </p> <p>The acclaimed country singer and actor who appeared in A Star is Born alongside Barbara Streisand passed away "peacefully” at his home in Hawaii on September 28th surrounded by family, according to <a href="https://people.com/kris-kristofferson-dead-at-88-7496435"><em>People</em>.</a> </p> <p>No cause of death has yet been announced. </p> <p>The statement from his family read, “It is with a heavy heart that we share the news our husband/father/grandfather, Kris Kristofferson, passed away peacefully on Saturday, September 28 at home. We’re all so blessed for our time with him. Thank you for loving him all these many years, and when you see a rainbow, know he’s smiling down at us all.”</p> <p>Throughout his career as a musician, Kristofferson won multiple Grammy's and was inducted into the Country Music Hall of Fame in 2004.</p> <p>He was also known for his acting accolades, including a Golden Globe award for Best Actor in a musical for <em>A Star Is Born</em> and starring in the popular <em>Blade</em> franchise.</p> <p>Kristofferson’s death comes three and a half years after he announced his retirement, following what was to be his final concert in Florida in February 2020. </p> <p>Kristofferson was a father to eight children and is survived by his third wife, Lisa Meyers, who he married in 1983.</p> <p><em>Image credits: Joanne Davidson/Shutterstock Editorial </em></p>

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Iconic Days of Our Lives star dies aged 70

<p>Drake Hogestyn has passed away aged 70. </p> <p>The<em> Days of Our Lives </em>actor, known for his long-running role as John Black passed away on Saturday after a battle with pancreatic cancer, according to a statement shared by his family on Instagram.</p> <p>“It’s with heavy hearts that we announce the passing of Drake Hogestyn,” the statement began.</p> <p>“He was thrown the curve ball of his life when he was diagnosed with pancreatic cancer, but he faced the challenge with incredible strength and determination.”</p> <p>“After putting up an unbelievable fight, he passed peacefully surrounded by loved ones. He was the most amazing husband, father, papa and actor. He loved performing for the ‘Days’ audience and sharing the stage with the greatest cast, crew, and production team in the business. We love him and we will miss him all the Days of our Lives.”</p> <p>Hogestyn first appeared on the iconic US soap opera in 1986, and played John Black for 38 years. </p> <p>In a statement to<em> Soap Opera Digest, Days Of Our Lives</em> executive producer Ken Corday remembered the actor, who appeared in more than 4,200 episodes of the show. </p> <p>“This is a very difficult one for all of us,” he said. </p> <p>“Hogey was the ultimate team player and there are not sufficient words to express how deeply he will be missed. His impact on our show, personally and professionally, was profound and will forever remain unmatched.”</p> <p>His co-stars and colleagues have also paid their respects on social media. </p> <p>“I’m so saddened by this news,” tweeted Kassie DePaiva, who played Eve on the soap. </p> <p>“One of the kindest people I have ever worked with. What an amazing life he lived. He will be missed. He made the world a better place.”</p> <p>Fellow veteran soap star Nancy Lee Grahn, who plays Alexis on <em>General Hospital</em> tweeted: “My deepest condolences to Drake Hogestyn’s family, friends and fans. What a lovely, lovely gracious man.”</p> <p><em>Image: SplashNews.com/ Shutterstock Editorial</em></p> <p> </p>

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"Absolutely heartbroken": Son of AFL legend tragically dies at age 24

<p><em><strong>Warning: This article contains discussions about suicide that some readers may find distressing. </strong></em></p> <p>The son of a premiership-winning AFL has tragically taken his own life, with his grieving family paying tribute to the "affectionate and cheeky" young man. </p> <p>Kye Hart, son of former West Coast Eagles player David Hart, died on Saturday at the age of 24. </p> <p>“On 21st September our family lost Kye who is a son, brother, uncle, nephew and grandchild. We are absolutely heartbroken and devastated,” a family member has written on a <a href="https://www.gofundme.com/f/kye-david-hart" target="_blank" rel="noopener">GoFundMe</a> fundraiser that has been established to help Mr Hart’s family with funeral expenses.</p> <p>“There aren’t enough words to describe how much we love Kye and how much we will miss him,” the fundraiser reads.</p> <p>“Kye’s love and affection was contagious, his cheeky beautiful smile would light up any room. Kye had the biggest heart and only wanted to give and help others."</p> <p>“In this incredibly difficult time we are reaching out for your support to navigate through the challenging times ahead. The funds raised will go towards covering immediate expenses and funeral costs."</p> <p>“We are grateful for your kindness, prayers and support through this tragedy.”</p> <p>Other friends and family paid tribute to Kye on social media, with one family friend writing, “His name was Kye Hart. Just 24 freaking years old for god’s sake. Enough! When are we going to sort mental health out in this world!”</p> <p>Another added, “Sorry for your loss and his family too. A life cut too short.”</p> <p style="box-sizing: inherit; border: 0px; font-stretch: inherit; line-height: inherit; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;">Kye leaves behind his parents Linda and David Hart, who represented the West Coast Eagles in the 1980s and 1990s, helping them claim their victory in the premierships.<span style="background-color: #ffffff;"><span style="font-family: Helvetica Neue, HelveticaNeue, Helvetica, Arial, sans-serif; font-size: large;"> </span></span></p> <p><em><strong>Need to talk to someone? Don't go it alone. </strong></em></p> <p><em><strong>Call Lifeline on 13 11 14 or visit lifeline.org.au</strong></em></p> <p><em><strong>Beyond Blue: 1300 224 636</strong></em></p> <p><em><strong>SANE: 1800 187 263; saneforums.org</strong></em></p> <p><em><strong>Mensline Australia: 1300 78 99 78</strong></em></p> <p><em>Image credits: GoFundMe</em></p> <div class="media image" style="box-sizing: inherit; margin-bottom: 24px; align-items: center; display: flex; flex-direction: column; width: 705.202209px; max-width: 100%;"> </div>

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Is it worth selling my house if I’m going into aged care?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care.</p> <p>People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit.</p> <p>But that’s not necessarily the case. Here’s what you need to consider.</p> <h2>You may get some financial support</h2> <p>Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV.</p> <p>But it’s easier to think of these fees as falling into two categories:</p> <ul> <li> <p>an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care</p> </li> <li> <p>daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee.</p> </li> </ul> <p>To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension.</p> <p>Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care.</p> <p>With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees.</p> <h2>You don’t need a lump sum</h2> <p>You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead.</p> <p>This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan.</p> <p>You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost.</p> <p>As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home.</p> <h2>Option 1: keep your house and rent it out</h2> <p>This allows you to use the rental-style daily cost to finance your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care</p> </li> <li> <p>you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option</p> </li> <li> <p>keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a></p> </li> <li> <p>you can still access the capital gains of your house, as house prices rise.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>your rental income needs to be included in the means test for your aged pension. So you might get less aged pension</p> </li> <li> <p>you might need to pay income tax on the rental income</p> </li> <li> <p>compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a></p> </li> <li> <p>you are subject to a changing rental market.</p> </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> <p>If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>like option 1, you can keep your house and have a steady income</p> </li> <li> <p>the amount of lump sum deposit will not be counted as an asset in the pension means test.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>like option 1, you could have less pension income, higher age-care costs and need to pay more income tax</p> </li> <li> <p>you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency.</p> </li> </ul> <h2>Option 3: sell your house</h2> <p>If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest</p> </li> <li> <p>as your “entry deposit” is exempt from your aged pension means test, it means more pension income.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> <p>Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1.</p> <p>But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost.</p> <hr /> <p><em>This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner.</em></p> <p><em>Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/colin-zhang-1234147"><em>Colin Zhang</em></a><em>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>.</em></p> </div>

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Readers response: What do you regret not appreciating more when you were younger?

<p>When it comes to ageing, we often learn to appreciate things that we often dismissed when we were younger. </p> <p>We asked our readers what they have only truly started to appreciate with age, and the response was overwhelming. Here's what they said. </p> <p><strong>Ross Forbes</strong> - Being brought up on a farm in a family environment where I was taught excellent work ethics and the value of community.</p> <p><strong>Alice McMurdo</strong> - The beauty of the scenery in Scotland and not taking the opportunity to see more of the beautiful countryside when I had the chance. </p> <p><strong>Pat Isaacs</strong> - My health and energy.</p> <p><strong>Esther Miller</strong> - Not having to pay bills. I now understand why my daddy was always telling us cut off the light, shut the door, stop wasting food, do not pour more milk than you are going to drink. I remember him saying "wait till you have to pay for it yourselves". Lesson learned.</p> <p><strong>Marie Chong</strong> - My parents. </p> <p><strong>Rosalie Jones</strong> - Movement without pain. </p> <p><strong>Michelle Nightingale</strong> - My family. </p> <p><strong>Sally O'Neill</strong> - Being happy and free, not having any responsibilities to worry about.</p> <p><strong>Chris Gray</strong> - My mum. If only I had known what I now know.</p> <p><strong>Margie Buckingham</strong> - My ability to always be employed and buy my first house at 21. Also, my upbringing and great start my parents gave me by ensuring I went to a good school and studied hard.</p> <p><strong>Kerri Anderson</strong> - Being younger. </p> <p><strong>Linda Kauffman</strong> - My mother. </p> <p><em>Image credits: Shutterstock </em></p>

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