• In most retirement communities the focus is on recreation not health care. While housekeeping or an optional meal may be available, residents are on their own and may have to move if they need help living independently.
    Continuing-care or life-care communities are different. Medical and nursing services are the most important part of the package. People choose this type of community for the security of knowing they will have a place to live and the services they need (provided they keep up their monthly payments) if they do become disabled or need nursing-home care.
    As Laurence Branch of Harvard Medical School explained in a 1987 article, at the core of the continuing-care concept is nursing-home insurance. People have banded together in a self-insurance group so they will not be left penniless by going to a nursing home. All continuing-care retirement communities offer some nursing-home care, though they differ in how extensive this coverage is. Because of their health-care focus, they also usually offer more services for people with minor disabilities than a traditional retirement community would –  maid service, three meals a day, help with bathing and dressing.
    Because so much more is included, a considerable financial investment is often required. Though arrangements differ, in most communities residents pay a large fee when they enter and monthly payments after that. Still, if the costs are added up, a person is likely to spend considerably less than if the services were purchased individually.
    As is true of any type of housing, continuing-care communities vary in character, price, quality, and services. In some places residents have the option of paying for all services at the beginning or of paying for them as they are needed. Life expectancy is also a factor in computing a prospective resident’s fee.
    There tend to be health restrictions to admission. Communities want their residents to arrive relatively healthy, so many require a physical examination. If a person fails the screening, the community generally refunds the deposit minus an application fee.
    The obvious advantage of living in a continuing-care community is peace of mind. Not only are you insured (at least in part) against catastrophic illness and severe disability, but you know where you will go and the exact quality of the services you will be offered if you need protective or nursing-home care.
    These advantages are offset by some definite negatives. For instance, the package deal is an even more severe limitation on choice. In continuing-care contracts many unused services are apt to be included in your bill – meals, transportation, possibly even the nursing home. And your security still depends on being able to keep up with your monthly costs. What was once paid “for life” may be extra a year later; your monthly fees may rise dramatically. There are horror stories of bankruptcies and the risk of losing everything you put in. So before investing in this type of arrangement, use extreme caution. Go in with your eyes open about everything financial that applies to the community you are considering.
    According to Branch, the economic risks of continuing care are threefold: enough people have to buy into the community at its beginning stages to keep it afloat; enough healthy new residents must enter subsequently to keep costs within reasonable bounds; and the expense of caring for ill residents must not become prohibitive.
    In a 1986 seminar on the problems of life-care communities, experts explained that this last condition – being in the business of providing health care for life – is what makes continuing-care retirement communities so financially vulnerable. No one can predict how much health-care costs will rise. It is also surprisingly hard to know how much in the way of services a given group of life-care residents will need. Actuarial statistics are used to compute the community’s probable health needs, leaving its residents vulnerable if an unexpected proportion of their numbers are very ill. If the illness odds go against a community, residents may have two unpleasant alternatives: a steep rise in their costs or bankruptcy. As of late 1987 there is no federal legislation to protect the life savings of people who invest in continuing care. A 1986 national survey showed that only twenty states had passed protective laws. So, though unlikely, it is possible to lose your nest egg if the worst occurs.
    Because there is statistical safety in numbers, the speakers at the seminar sponsored by the National Council on the Aging urged that people interested in continuing care buy into a large community, preferably one owned by an established corporation or company. Small communities sponsored by unknown developers should be avoided.
    In addition to investigating its financial health, before entering you must know if you will like what you are paying for. Visit several times, thoroughly checking out a prospective community’s quality and services.
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    GENERAL HEALTH
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  • If your needs do change and you have to move, make sure getting out will not be too difficult. How much of your investment would be refunded if you decided to leave? How easy would it be to sell your home, given that you must sell to another retiree?
    There can also be financial anxieties attached to staying in a retirement community:
    When I bought my apartment here in 1978, the pool, the golf course, and the health club were free, and my maintenance was a hundred dollars a month. Now all the amenities are extra and my monthly charges have increased fourfold. So far I can afford things, but I worry about the future. One of my neighbors had to move because she could not afford the increases.
    Although at the time you buy your home it may be hard to predict exactly how much your future costs will rise, you can get an idea by examining the current financial health of the community you are considering. Ask for documents such as the annual report or financial statements and discuss them with a qualified person – perhaps a banker or an accountant. Learn who sponsors or owns the community and what their financial responsibility is. Assess whether the management seems to have the experience to run the community well. As I will describe in the next section, getting a full picture of a prospective community’s financial health is especially critical if you are moving to a continuing-care retirement community.
    A fascinating study of thirty-six representative retirement communities conducted by a research team at the University of Florida in the early 1980s underlines that people who choose this type of housing may have more worries than they bargained for. The researchers classified the communities they studied into two ownership types. In type 1 communities, the residents own the land the community is on. Once the developer withdraws, they are responsible for running it. In type 2 communities, the residents rent the land from the owner/developer, and so the community’s fate continues to be in outside hands.
    Living in each type of community entailed special anxieties. In type 2 communities, where the developers stay boss, the residents were vulnerable to their decisions. For instance, an owner might raise the rent drastically, impose new community rules, or even sell the community to another person who might change its character totally by renting to younger people. In the type 2 communities the research team studied, residents usually passively submitted to developers’ decisions because they were afraid of what might happen if they made Waves. They were particularly concerned about the ace in the hole their developers had if they made too much trouble: selling the community to someone else.
    The worries of residents of type 1 communities centered on their own ability to govern themselves. What if competing resident factions vying for leadership polarized and fragmented the whole community? Or as a community and its residents grew older, what if no one wanted to assume the job of governing? This is not to say the residents were miserable or felt they had made a mistake. But they were a bit disappointed. Living in a retirement community was less like heaven and had more real-world risks than they had imagined.
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    GENERAL HEALTH
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  • Anaemia is common in children, especially in the older baby and toddler age group.

    Cause

    There are three main causes of anaemia. By far the most common is a deficiency of iron in the body. Iron is essential for the formation of haemoglobin, the part of the red blood cell which carries oxygen around the bloodstream. Far less common causes are decreased production of red blood cells (aplasia — for example, in certain chronic diseases), or excessive destruction of red blood cells (haemolysis — for example, in some acute severe infections).

    Iron deficiency in children is most often due to inadequate iron intake. Normally a baby has enough iron stores from his mother to last for the first 6 months of life, although if he was born prematurely or has been sick, the stores will be exhausted before then. After that he requires iron to be part of his diet. Usually at around 6 months of age, the baby is introduced to solids such as cereals, vegetables, eggs, and later on, meat, all of which contain iron. However, babies who are on cow’s milk and who drink excessive quantities often have insufficient iron in their diet. Cow’s milk is a poor source of iron, and in addition if a baby drinks too much milk his appetite for solids is diminished. This problem rarely occurs in breastfed babies, or those who are on formula feeds (because these contain iron).

    Clinical features

    The child with anaemia will appear very pale. A toddler may exhibit lethargy, but this may not be obvious, given his usual high energy levels. Some babies and toddlers with iron deficiency are irritable and difficult to manage. If the anaemia is caused by something besides iron deficiency, then specific features of that condition may be present.

    Investigation are essential in any child with anaemia to find out its cause. Usually blood tests are all that is necessary, but sometimes other tests are performed as well.

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  • TOE WALKING

    The most common reason for a young child walking on tiptoes is that of sheer habit. Rarer causes include tight heel ligaments present from birth, and cerebral palsy. If your child is toe walking out of habit, you can play an important role in improving his gait by playing games like walking on the heels or heel-to-toe walking. This condition usually improves with time and does not require treatment. If you are at all concerned, consult your doctor.

    SPRAINS

    A sprain is an overstretching or tear of a ligament and can be very painful. It can result from a fall or a sporting injury. Although common in adults, sprains are less likely to occur in children due to greater flexibility of their ligaments and a fracture should always be suspected if your child has an area of swelling and tenderness over a bone after injury. First aid treatment until you get him to a doctor includes placing an ice pack over the affected area to reduce the swelling and pain, splinting the limb and keeping in elevated.

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  • If Still’s disease is suspected, your doctor will usually refer your child promptly to a paediatrician. Hospital admission may be advised so that the necessary investigations can be performed and appropriate treatment started without delay.

    The main aim of treatment is to allow your child to lead as normal a life as possible. For this to happen, pain needs to be kept to a minimum and the joints kept functioning to the best of their ability. Muscle strength must be maintained with specific exercises. Bed rest is advised only during periods when the illness flares up. Physiotherapy is essential, and night splints may be fitted to help prevent the joints from becoming frozen in awkward positions. Massage and hydrotherapy can also ease pain and encourage flexibility. Pain relief is vital and may be aided by the use of painkillers or anti-inflammatory medication. The short-term use of steroids is sometimes recommended for severe flare-ups. Use of these drugs should always be under medical supervision. If your child has certain deformities due to the illness, an occupational therapist can assist with specific aids and can suggest helpful modifications in the home.

    The general outlook for children with Still’s disease is, on the whole, good. The illness does not usually continue into adulthood, and rarely leaves severe long-term deformities.

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  • The term rheumatoid arthritis covers a group of illnesses, and some medical specialists do not believe that there really is a juvenile form of the rheumatoid arthritis which is seen in adults. It affects approximately 1 in 1500 children, and girls are affected more often than boys.

    Cause

    The cause for Still’s disease is unknown.

    Clinical features /

    Although the joints are most often affected in Still’s disease, there may also be inflammation of the eyes, and a characteristic pink rash on the face, limbs and trunk. At the onset of the illness your child may have swelling of one or two large joints, such as the knees, wrists or elbows. He may complain of pain and stiffness in these joints especially upon waking in the morning. He may also have a mild fever and feel generally unwell or weak. Lymph glands, especially in the neck , may be swollen. Smaller joints such as those in the fingers sometimes become swollen and painful.

    When to see your doctor

    • if your child has unexplained pain or swelling in one or more joints which lasts for more than 2-3 days;

    • if your child has an unexplained fever or rash and is generally unwell.

    Investigations

    X-rays, blood and urine tests are usually performed in order to confirm the diagnosis of Still’s disease.

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  • The development of language occurs extraordinarily rapidly in children. Language is believed to stem from an innate ability and develops as a result of maturation, but it is also dependent on environmental stimulation and learning.

    Most babies are babbling soon after 6 months of age, and will then begin to form repetitive sounds such as ‘ma-ma-ma’ or ‘da-da-da’ over the next few months, especially if this is reinforced by others. Parents will often talk or sing to babies, and this sort of stimulation is very important in ensuring that babies fulfil their language potential. The next stage of language development for babies is to begin to use single words meaningfully. Often the first real words are ‘mama’ or ‘dada’, followed rapidly by other commonly used and simple words such as ‘bye’, ‘doggy’, ‘drink’, and so on. First words are frequently mispronounced and difficult to understand, and the progressive acquisition of vocabulary is dependent to some extent on reinforcement and stimulation by parents and other family members.

    Toddlers then string several words together in meaningful phrases, and this is soon followed by sentences. By about 3 years of age they will have acquired some of the rules of grammar and language that form the basis of mature adult speech.

    A child’s comprehension of language parallels speech development. Both speech and comprehension are dependent on adequate hearing. If a child is deaf or has a permanent or fluctuating hearing problem, then language may be absent or delayed, or there may be problems of articulation or intelligibility .

    The rate ot language development will depend on a host of factors, to do with both the child and the environment. Girls generally tend to be slightly more advanced than boys in their language development. Second and later born children may have advanced development (because they have older siblings to model themselves on) or else may be a little slower (because their siblings will do their talking for them and make their needs known to parents). The temperament of a child may influence language usage — a shy, introverted child will tend to hold back in communication, whereas the reverse is true for a more confident, outgoing child.

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  • The ideal way to take any painkiller is to take a dose that completely relieves your pain and to repeat that dose every time the pain just starts to come back. If you are taking your painkiller by mouth or in suppository form, it will take fifteen to thirty minutes to start working. Injections work more quickly. It will then last two to six or more hours, depending on which one it is—check the table.

    Doctors often recommend that you take a painkiller only ‘when you need it’ (whatever that means)! People who are told to do this often wait until their pain is excruciating before taking the next dose. This is a very bad way to take painkillers since, if you do this, you will never have good pain control. You will spend most of your time feeling frightened and anxious because you know that the pain is going to come back, and it will take a bigger dose to control it when it does. It is much better to work out how long it is before your pain just starts to come back and to take your painkiller regularly that often.

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  • Some people can develop an allergy to the synthetic Vitamin Bl tablets or injections.

    Vitamin B2, or riboflavin, is found in dairy products and green vegetables, but is widely distributed throughout most natural foodstuffs.

    A lack of riboflavin affects the skin and mucous membranes.

    Nicotinamide, or Vitamin B7, is also widely distributed in most foodstuffs.

    Lack of this vitamin — and usually with an associated lack of riboflavin — produces the disease known as pellagra, and this usually is seen in those whose staple diet is maize and little else.

    Vitamin B6, or pyridoxine, is required for the proper functioning of nervous and skin tissue.

    B6 has recently been used in relieving premenstrual tension (PMT).

    Most of the B-group vitamins form part of the molecules of enzymes in the body, those chemical substances which are necessary for the build-up and break-down of all the body tissues.

    Vitamin B12, or cyancobalamin, is formed in the body by the action of a chemical in the stomach acting on another chemical taken in with the food.

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  • Heart disease, usually by causing an abnormal rhythm, may lead to sudden loss of consciousness.

    Hypotensive drugs, that is those used to control hypertension or high blood pressure, may cause giddiness or even fainting when the person suddenly changes posture from the sitting or lying to the standing position.

    No matter what the cause of the syncope or faint, one common factor is the standing position.

    Sudden loss of blood, such as may occur from a severed artery in an accident or from a miscarriage, or even with a heavy period or a severe nosebleed may lead to fainting.

    Bleeding may occur from a duodenal ulcer and the rapid loss of one or two pints of blood may lead to fainting.

    Conversely, reversing this, that is making a person lie flat, will rapidly prevent or lead to recovery from the faint.

    Deep breathing, sitting, or putting one’s head between one’s knees, are inadequate means of preventing a fainting attack.

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