Many of us played the lottery this week in hopes becoming an instant billionaire. The chance of winning was less than 1 in 300 million, yet we all believed we could be “the one.” We like to believe that good things will come our way and tend to ignore real threats to our health as we age, even though the chances they will happen are high.
Retired Supreme Court justice Sandra Day O’Connor recently disclosed that she has now been diagnosed with probable Alzheimer’s disease. At 65, she had a 1 in 10 chance of developing dementia. At 85, her odds increased to 1 in 3. Now we acknowledge with great sadness that the 88-year-old’s keen mind will fade away and that she, too, will succumb to the disease, just as her husband did.
How does this affect those of us who are reaching that magical Medicare age of 65? Should we pretend that dementia can’t happen to us and hope we beat the odds? Knowing our risk for developing a disease gives us the opportunity to plan for our future and to advocate for programs that will enhance services for those affected by this devastating disease.
Traditional Medicare is designed to provide medical coverage for participants who are seeking treatments for various diseases. If you develop pneumonia and are admitted to the hospital, everything is covered after the initial copayment. If you need rehabilitation, the first 20 days are generally covered, with an additional 80 days covered at a reduced rate provided you are improving and able to participate in therapy. Once you are not improving, you are either discharged home or become a resident of a nursing home under private pay for thousands a month. If you don’t have the resources to pay for a nursing home, you can forfeit personal assets and apply for a Medicaid program.
Fast forward to the 1 in 10 people older than 65 with Alzheimer’s disease or one of the many other dementia syndromes. They have a progressive, irreversible, non-curable disease that will continue to worsen despite the best medical care. As they decline, their debility increases, and they require an ever-increasing amount of supervision and physical assistance.
Today, the crisis in health care is how to care for the estimated 5.7 million Americans with Alzheimer’s. Unpaid family members already frequently provide a total of 18 billion hours of care each year, according to the Alzheimer’s Association. The crisis for tomorrow is how to take care of the projected 14 million Americans older than 65 who will develop the disease by 2050.
SOURCE: Ann Norwich
The Washington Post