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8 | October 19, 2017 |

8 | October 19, 2017 | 22nd century media active aging Guide 22ndCenturyMedia.com More grandparents are raising grandchildren: 3 things they need to know STATEPOINT MEDIA From single parents to traditional and multigenerational households, modern families come in all shapes and sizes. But did you know there’s an uptick in the number of grandparents raising grandchildren? According to data from The Pew Charitable Trusts, 2.9 million grandparents were raising their grandchildren in 2015 compared with 2.5 million in 2005. Oftentimes, grandparents become primary caregivers due to unforeseen circumstances. Here are three things those taking on this responsibility should consider. Protect their financial future • A recent study found 30 percent of all households don’t have life insurance, according to LIMRA, a life insurance research organization. Grandparents should be sure this coverage is up to date. • They might also consider purchasing term insurance – life insurance issued for a limited period of time. More affordable than a whole life policy, it provides financial security for the golden years, helps supplement retirement income and can assist with final expenses. A term life insurance policy can even help pay off a mortgage – so grandparents have peace of mind knowing that dependents have a roof over their heads – and can also be used for other child-rearing expenses, such as college tuition. Affordable Direct Keep them safe • Accidental injury is the leading cause of death for children up to 14 years old, and more than a third of accident-related deaths happen in the home, reports KidsHealth. • To create a safe living environment for younger children, secure large furniture to walls, purchase safety gates for staircases, and install outlet covers, corner protectors, security locks and appliance latches. It might also be a good time to update in-home safety features for grandparents, too. Handrails provide better grip on staircases, and anti-slip mats and grab bars in the bathroom can add extra stability. Promote smarter driving • As teens get behind the wheel, encourage them to drive safely. A 2015 statistic from the Centers for Disease Control and Prevention says six teens die every day in car crashes in the US, and this is the number one killer of teens. Distracted driving is the cause of 58 percent of teen-involved traffic crashes, according to the National Organization for Youth Safety. Remind grandchildren about the dangers of texting, using apps and changing the radio station while driving. • Also, reevaluate your auto insurance policy. Talk to an agent about whether it makes more sense to add grandchildren to an existing policy or take one out for them specifically. Grandparents may be able to add grandchildren as secondary drivers on a policy, but should be prepared to pay higher rates since teens may be considered high-risk. Look for a cost-effective solution, such as the Youthful Driver Discount offered by Erie Insurance. Eligible licensed drivers 20 and under can save up to 20 percent on their car insurance. Plus, drivers under age 21 who complete an accredited driver’s education course may also be eligible for discounts. Caring for grandchildren can be overwhelming. However, preparation can help ensure your family’s safety and security. Uses WATER instead of fire • Ashes returned to the family • The green and gentle choice 708-606-0211 flameless-cremation.com Serving Families Since 2012 - Pre Need Available Deal Directly with the First Flameless Cremation Facility in Illinois • Retirement & Social Security Planning • Managed Investment Portfolios • Annuities and Life Insurance 10335 W. Lincoln Hwy Frankfort, IL 60423 (708) 775-6606 WWW.NARISHFINANCIALSERVICE.COM Securities offered through Center Street Securities, Inc. (CSS), a registered Broker-Dealer and member FINRA & SIPC. Investment advisory services offered through Center Street Advisors, Inc. (CSA), an SEC Registered Investment Advisor. Narish Financial Service, and CSA are independent of CSS. When’s the last time you had YOUR SPINE CHECKED? Schedule an appointment to learn how spinal health affects your overall wellness. Wondering what to do with those old medications? Find a Cook County collection site near you! Check out our database of medication disposal sites. Go to CookCountyMEDS.org and simply enter your address. 855-4-CHIRO-1 www.chiroone.net www.CookCountyMEDS.org

22ndCenturyMedia.com active aging Guide 22nd century media | october 19, 2017 | 9 Wearing hearing aids reduces risk of cognitive decline Made for an Invisible Fit Hearing loss has been linked to a number of health concerns in recent years, especially to cognitive decline, dementia and Alzheimer’s, according to Jonathan Wright, a specialist at South Suburban Hearing Health Center’s Homer Glen and Burr Ridge offices. “Adults with hearing loss are two-tofive times more likely to develop dementia when compared to adults with normal hearing,” Wright said. A recent study by Columbia University Medical Center has found a direct correlation between hearing aid use and cognitive performance in older adults aged 80 to 99 with hearing loss. The study also indicates older adults with hearing loss who used hearing aids performed significantly better on cognitive tests than those who did not use a hearing aid. The goal of the study was to determine if hearing aids could slow the effects of aging on cognitive function. “Our study suggests that using a hearing aid may offer a simple, yet important, way to prevent or slow the development of dementia by keeping adults with hearing loss engaged in conversation and communication,” said Dr. Anil K. Lawlwani, professor of otolaryngology/head and neck surgery at CUMC and otolaryngologist at NewYork-Pres byterian/CUMC and NewYork-Presby terian/Morgan Stanley Children’s Hospital, about their findings. CUMC’s study further supports the notion that hearing loss impacts neurological elements as we age. In 2014, researchers at Johns Hopkins and the National Institute on Aging used information from the ongoing Baltimore Longitudinal Study of Aging to look at the differences in brain changes between adults with normal hearing and adults with hearing loss. Analysis of the participants’ MRIs over the years showed that participants with hearing loss had accelerated rates of brain atrophy compared to those with normal hearing. “Overall, the scientists report, those with impaired hearing lost more than an additional cubic centimeter of brain tissue each year compared with those with normal hearing,” Wright said. “Those with impaired hearing also had significantly more shrinkage in particular regions, including the superior, middle and inferior temporal gyri, brain structures responsible for processing sound and speech. “With all of the new information we have on the impact hearing loss has on the brain and the individual’s quality of life, it’s now more important than ever to take action. Hearing loss is not uncommon today, and in older adults, hearing health is key.” Come visit the professionals at South Suburban Hearing Health Center in Homer Glen or Burr Ridge and start hearing better today. Submitted by South Suburban Hearing Health Center, 14316 S. Will Cook Road in Homer Glen. For more information, visit www.south suburbanhearing.com or call (708) 966-4724. OPPORTUNITY TO SAVE on breakthrough hearing aid technology! If you have trouble understanding what you hear or are unhappy with your current hearing aids, call us today to take part in our program. Nationally Known Hearing Aid Expert, Rachael Massey will perform comprehensive hearing consultations at NO CHARGE to determine your eligibility for the program. Your participation will be rewarded with discounts so CALL TODAY! We are pleased to announce that Rachael Massey, will be in our office for 3 days to introduce the latest hearing aid technology, SoundLens ® Synergy ® iQ. This is the most advanced technology available in our most popular invisible hearing solution. With a discreet fit, they fit deep inside your ear canal and are personally customized to you for all-day comfort. Try SoundLens Synergy iQ today to experience every moment with pure, pristine sound. Plus, several technology options are available for access to affordable solutions. Limited Discount Offer $500 OFF on any pair of Starkey ® hearing aids! Expires 11/02/17 FREE CONSULTATION Tues., Wed. & Thurs. Oct. 31, Nov. 1 & 2 Rachael Massey Nationally Known Hearing Aid Expert Call (708) 428-2248 to reserve your appointment time. 3 DAYS ONLY! Tuesday, Wednesday & Thursay October 31, November 1 & 2 Call Today!!! (708) 428-2248 South Suburban Hearing Health Center 14316 S. Will Cook Rd Homer Glen, IL 60491 1 Individual results may vary. Invisibility may vary based on your ear’s anatomy. 2 Deposit may be required. 3 Subject to credit approval or see store for details. © 2017 Starkey. All Rights Reserved. 8/17 LETR3132-00-EE-ST