0 NE DAY

MOM SAID SHE LOVED HER

FLOWERS, BUT DAD WISHED HE

NEVER HAD TO MOW THE LAWN

by licensed medical personnel, showed 69 percent of women and
and is available 24-hours in a 86 percent of men over 65 will
nursing home. Sometimes, with never need to step foot into a
help from visiting nurses, this nursing home or, if they do, will
care is provided in-home. Inter- spend less than a year there.
If you run out of money, you
mediate nursing care is less-spe-
cialized daily, but not 24-hour, won't be left for dead. This is
supervision. It's ordered by a when Medicaid kicks in. A per-
physician, carried out by unli- fect solution? Far from it. But af-
censed nurse aides and super- ter you give it a cold, hard look,
vised by registered nurses, and you may decide it's a chance
is generally needed for a long pe- you're willing to take.
The numbers certainly sux est
riod of time.
Custodial or personal care you can take your time. Right
helps with the activities of daily now, the average stay in a nurs-
living (ADLs) and other routine ing home is 19 months, accord-
activities. Usually it's delivered ing to the Brookings Institution.
by unlicensed healthcare work- So look at it this way: If you're
ers, is less intensive and compli- among the unlucky who needs a
cated than skilled or intermediate nursing home, chances are it will
care, and administered in many cost you no more than $57,600 in
today's dollars. That's the aver-
settings.
age annual nursing home
LTC INSURANCE
expense ($36,000) times the av-
Despite the fact that paying erage stay (1.6 years). Buying
for nursing home costs are clear- LTC from the aspect of health is
ly financially devastating and de- also chancy because the need for
spite what insurance companies long-term care can occur gradu-
would have you believe, LTC cov- ally or suddenly after an acute,
erage is not for everyone. For a illness. According to Michigan
good many people, the cost is too Medicare Medicaid Assistance
great and the benefits they can Program (MMAP), a national
afford are insufficient. Buying study projects that 43 percent of
this insurance should not be a fi- those who turned 65 in 1990 will
nancial hardship.
enter nursing homes at some
If you have to pay for it from time during their lives.
your savings or have limited as-
Among all persons who live to
sets or are middle-to-low income, 65, about one in three will spend
it's not for you. A New England
LTS VS. TLC page 68
Journal of Medicine study

AGAIN. THIS WEEK THEY ARE

GETTING THEIR WISH.

THEY'RE MOVING TO THE

HEATHERWOOD. SHE SAYS SHE'S

GOING TO ENJOY THE FREEDOM

OF DAILY MEALS AND HOUSE-

KEEPING. HE SAYS HE'S GOING

TO ENJOY THE GARDENS AND THE

COURTYARDS, AND NOW

SOMEONE ELSE CAN MOW.

ATHERWOOD

Retirement is
a _Reward..

For information call
Kathy Ostrowski

(810) 350-1777

22800 CIVIC CENTER DRIVE
SOUTHFIELD, MICHIGAN

OPPOI1NN

97rezilion LA:is fo

c.Sezve $ 200. °°

Rabbi Akiva
Was A Great Teacher.
Here's
Some Great Things
Akiva Hebrew Day _School
Learned From Him.

Rabbi Akiva believed passionately in He believed in the full religous and
Torah values and academic chal- intellectual potential of all of his stu-
dents. (He had to: he started study-
lenge.
ing Torah when he was forty —and
Akiva Hebrew Day School became Rabbi Akiva.) Of course, he
wanted them to develop the highest
does too.
standards of personal character.
Rabbi Akiva's school had an exciting,
vibrant and warm atmosphere. His We believe in that too.
school believed in producing erudite
Torah scholars who could articulately Rabbi Akiva wanted his students to
and successfully participate in, and be the Land and the people of Is-
contribute to the world they lived in. rael and the Torah way of life.

And we do too.

So do we.

And —maybe most important of all-
Rabbi'Akiva loved his students.

And so do we.

That's why so manyparents look to
Akiva as a great answer for Jewish
kids in today's world.

Maybe, you should too.

AKIVA NURSERY- Limited Space

Please call 248-552-9690