WEBVTT 00:00:00.000 --> 00:00:03.299 Welcome to the Light Keepers podcast. I'm Clayton 00:00:03.299 --> 00:00:05.599 Vandiver, your Light Keeper, with a show dedicated 00:00:05.599 --> 00:00:08.160 to everyone who wants to get the most quality 00:00:08.160 --> 00:00:12.019 out of life that they can. My co -host, as always, 00:00:12.240 --> 00:00:14.779 Charlene, our very own licensed clinical social 00:00:14.779 --> 00:00:18.219 worker, certified in the state of Florida, joins 00:00:18.219 --> 00:00:20.579 the conversation this week about the population 00:00:20.579 --> 00:00:25.140 who thinks that they're covered, and they might 00:00:25.140 --> 00:00:28.879 not be. We'll have that and a whole lot more 00:00:28.879 --> 00:00:31.940 on this episode of the Light Keepers Podcast. 00:01:00.750 --> 00:01:02.630 And before we start, please leave your questions 00:01:02.630 --> 00:01:05.069 or comments below. We always love to hear from 00:01:05.069 --> 00:01:07.530 you. Questions this week will be answered during 00:01:07.530 --> 00:01:09.829 our next show that appears online every Wednesday 00:01:09.829 --> 00:01:12.549 evening at 7 p .m. Eastern. The Light Keepers 00:01:12.549 --> 00:01:15.810 podcast is an exclusive production of A Guiding 00:01:15.810 --> 00:01:17.870 Light. We'll tell you more about A Guiding Light 00:01:17.870 --> 00:01:20.010 at the end of the podcast, but we don't have 00:01:20.010 --> 00:01:22.250 much time, so let's get right into this week's 00:01:22.250 --> 00:01:25.409 conversation, Charlene, about people who think 00:01:25.409 --> 00:01:30.079 that they're covered. but they're not necessarily. 00:01:30.480 --> 00:01:34.120 What do we mean by that? So what we mean by that 00:01:34.120 --> 00:01:38.040 is that a lot of times people think that Medicare 00:01:38.040 --> 00:01:42.280 will cover everything. And sadly, that is not 00:01:42.280 --> 00:01:46.200 true. As someone who has worked in the hospital 00:01:46.200 --> 00:01:50.180 setting, in the hospice setting, it can become 00:01:50.180 --> 00:01:54.109 a very difficult conversation when I... am talking 00:01:54.109 --> 00:01:56.489 with someone who finds himself in a situation 00:01:56.489 --> 00:01:58.810 where they're needing long -term care placement. 00:02:00.370 --> 00:02:06.049 For those that may not know the lingo, that means 00:02:06.049 --> 00:02:09.750 a nursing home. Oh, yeah. Nursing home placement. 00:02:10.110 --> 00:02:14.270 And nursing homes differ from ALFs and ILFs, 00:02:14.289 --> 00:02:18.449 or do they not? I'm a little confused about that. 00:02:18.650 --> 00:02:23.780 So an assisted care facility. or an uh long -term 00:02:23.780 --> 00:02:26.819 care facility so here's your different levels 00:02:26.819 --> 00:02:32.090 of care okay okay and These can be a little confusing 00:02:32.090 --> 00:02:35.650 to someone who's not familiar with them. So you 00:02:35.650 --> 00:02:38.250 have your independent living. Right. These are 00:02:38.250 --> 00:02:40.490 for individuals who are still capable of taking 00:02:40.490 --> 00:02:42.610 care of themselves. Right. They're still ambulatory. 00:02:42.629 --> 00:02:44.530 They get around. They go shopping a couple times 00:02:44.530 --> 00:02:47.370 a week. Go out to dinner with the family. Exactly. 00:02:47.629 --> 00:02:50.349 A lot of times you'll hear these places referred 00:02:50.349 --> 00:02:54.629 to as senior living communities. Okay. All right. 00:02:54.650 --> 00:02:56.729 This is someone who can still live in their own 00:02:56.729 --> 00:03:01.219 home without any assistance. Okay. Okay. Then 00:03:01.219 --> 00:03:04.240 you have your assisted living facilities, your 00:03:04.240 --> 00:03:08.659 ALFs. Okay. Okay. These are facilities for people 00:03:08.659 --> 00:03:12.159 who can do most things on their own, but they're 00:03:12.159 --> 00:03:13.780 starting to need a little bit of help. You know, 00:03:13.800 --> 00:03:15.840 maybe they can't cook for themselves anymore. 00:03:15.960 --> 00:03:18.439 Maybe they can't do the housework. Well, I've 00:03:18.439 --> 00:03:20.219 seen some of the meals in the assisted living 00:03:20.219 --> 00:03:23.599 facilities that I've visited, and they really 00:03:23.599 --> 00:03:26.520 lay out a beautiful spread. They make wonderful 00:03:26.520 --> 00:03:29.620 meals, many of them, most of them. Most of them 00:03:29.620 --> 00:03:33.439 are really good. In order to be able to go into 00:03:33.439 --> 00:03:36.520 an assisted living facility, you have to be able 00:03:36.520 --> 00:03:38.879 to do some things for yourself. Like, for example, 00:03:39.039 --> 00:03:42.900 you have to be able to ambulate. You have to 00:03:42.900 --> 00:03:45.379 be able to move around on your own. You have 00:03:45.379 --> 00:03:47.719 to at least be able to transfer, and that means 00:03:47.719 --> 00:03:50.780 you have to be able to go from one sitting position 00:03:50.780 --> 00:03:54.060 to a different. like you have to be able to go 00:03:54.060 --> 00:03:57.400 from a wheelchair to a bed. Oh, okay, or just 00:03:57.400 --> 00:04:00.319 get from point A to point B kind of on your own. 00:04:00.360 --> 00:04:04.479 Exactly. So assisted living facilities do have 00:04:04.479 --> 00:04:07.099 minimum requirements that someone has to be able 00:04:07.099 --> 00:04:10.699 to do. Now, assisted living facilities are not 00:04:10.699 --> 00:04:13.139 paid for by Medicare. Those are private pay. 00:04:14.780 --> 00:04:17.800 That's an important point to understand. Very 00:04:17.800 --> 00:04:22.689 important point. Who pays for these? Is your 00:04:22.689 --> 00:04:26.550 skilled nursing facility. Okay. Your long -term 00:04:26.550 --> 00:04:29.730 care facility, your nursing home. Okay. So that's 00:04:29.730 --> 00:04:31.410 where we were going was the nursing home when 00:04:31.410 --> 00:04:33.350 I got distracted by all those other facilities. 00:04:33.569 --> 00:04:36.730 And nursing homes, skilled nursing facilities, 00:04:36.829 --> 00:04:41.170 these are where people go who need rehab. If 00:04:41.170 --> 00:04:43.310 they're not strong enough to go back home, if 00:04:43.310 --> 00:04:45.389 they need some physical therapy. So they have 00:04:45.389 --> 00:04:47.709 a few extra features, maybe a few therapists, 00:04:48.209 --> 00:04:51.410 physical therapists, more of a nursing staff. 00:04:51.569 --> 00:04:55.629 Exactly. But if you are someone who can't go 00:04:55.629 --> 00:04:58.970 home, if you are not able to be cared for at 00:04:58.970 --> 00:05:02.790 home, maybe you don't have any family. Maybe 00:05:02.790 --> 00:05:05.810 your family is not physically able for whatever 00:05:05.810 --> 00:05:09.310 reason. If you are not able to be taken care 00:05:09.310 --> 00:05:11.689 of at home and you're not capable of taking care 00:05:11.689 --> 00:05:14.870 of yourself, then a skilled nursing facility 00:05:14.870 --> 00:05:17.829 is where you would need to go. And where the 00:05:17.829 --> 00:05:20.629 conversation can become difficult, and I've actually 00:05:20.629 --> 00:05:24.370 had this conversation with an older gentleman 00:05:24.370 --> 00:05:27.769 who became very distraught when he found out 00:05:27.769 --> 00:05:30.189 that the Medicare that he's been paying into 00:05:30.189 --> 00:05:33.649 his entire life does not pay for skilled nursing. 00:05:34.199 --> 00:05:36.519 So he assumed that it did and that he was covered 00:05:36.519 --> 00:05:41.060 and good to go right there. And see, and it gets 00:05:41.060 --> 00:05:44.740 complicated. It gets complicated for people because 00:05:44.740 --> 00:05:48.540 Medicare does pay for skilled nursing if it's 00:05:48.540 --> 00:05:53.139 short -term for rehab. Oh. But they do not pay 00:05:53.139 --> 00:05:57.660 if it is where you're living. So they don't exactly 00:05:57.660 --> 00:06:00.480 make it easy to follow because some conditions 00:06:00.480 --> 00:06:03.259 follow this and some conditions follow that. 00:06:03.420 --> 00:06:05.680 Let me ask you. How do you find out? Let me ask 00:06:05.680 --> 00:06:08.720 you. Would your insurance pay for physical therapy? 00:06:10.199 --> 00:06:13.139 You know, I honestly don't even know. Yes, your 00:06:13.139 --> 00:06:15.220 insurance would pay for physical therapy. So 00:06:15.220 --> 00:06:17.540 the standard employer's insurance covers for 00:06:17.540 --> 00:06:20.000 physical therapy. If the doctor prescribes it, 00:06:20.040 --> 00:06:23.279 it'll pay for it. Okay. Would your medical insurance 00:06:23.279 --> 00:06:27.370 pay your mortgage? I would assume not unless 00:06:27.370 --> 00:06:30.430 there's the difference. There's probably not. 00:06:30.629 --> 00:06:35.389 But there's the difference. Medicare is for medical 00:06:35.389 --> 00:06:38.629 and they're not going to pay for you to live 00:06:38.629 --> 00:06:40.290 somewhere. They're not going to pay your rent. 00:06:40.350 --> 00:06:42.410 They're not going to pay your mortgage. So they're 00:06:42.410 --> 00:06:44.790 not going to pay for your skilled nursing stay. 00:06:44.949 --> 00:06:48.110 So a good standard to sort of understand it by 00:06:48.110 --> 00:06:52.529 is if it's purely medical, like a hospital where 00:06:52.529 --> 00:06:55.399 you're going to get treatment. they're very likely 00:06:55.399 --> 00:06:58.519 to cover that. Your insurance is very unlikely 00:06:58.519 --> 00:07:01.819 to cover it if it's just a place to live. Exactly. 00:07:02.160 --> 00:07:06.740 That provides your meals. Now, does that change 00:07:06.740 --> 00:07:11.199 if it's an assisted living facility that has 00:07:11.199 --> 00:07:13.920 a memory care unit, for instance, where someone 00:07:13.920 --> 00:07:17.220 with dementia or Alzheimer's would be receiving 00:07:17.220 --> 00:07:20.279 more specialized care, but they're also living 00:07:20.279 --> 00:07:24.040 there? So memory care units are usually found 00:07:24.040 --> 00:07:27.980 at skilled nursing facilities, and they're very 00:07:27.980 --> 00:07:31.339 specialized units where they have special safety 00:07:31.339 --> 00:07:34.759 features in place. Most of them are locked down 00:07:34.759 --> 00:07:37.579 units, which means once you go in, you can't 00:07:37.579 --> 00:07:43.399 get out without being buzzed out. You have some 00:07:43.399 --> 00:07:45.379 key that will let you out, and that's for the 00:07:45.379 --> 00:07:47.500 safety of the residents to keep them from wandering. 00:07:47.759 --> 00:07:50.660 And anyone who's ever worked in the news, as 00:07:50.660 --> 00:07:53.240 I have, and has seen a silver alert come across 00:07:53.240 --> 00:07:56.600 when someone is like a funny quick story, I've 00:07:56.600 --> 00:07:59.139 got to tell you this anecdote. I've got to share 00:07:59.139 --> 00:08:03.720 this with our listeners and viewers. I'm editing 00:08:03.720 --> 00:08:09.160 the morning news many years ago, and I'm seeing 00:08:09.160 --> 00:08:14.319 a feed that came over CBS. from the Carolinas 00:08:14.319 --> 00:08:18.660 and I'm seeing my cousin. And I said to our producer, 00:08:18.860 --> 00:08:20.519 I leaned out of the edit bay and I said, this 00:08:20.519 --> 00:08:23.839 is my cousin. He's on this story. And he ran 00:08:23.839 --> 00:08:26.139 over and said, what's the story? I said, well, 00:08:26.180 --> 00:08:28.879 it's a silver alert. And oh my Lord, it's my 00:08:28.879 --> 00:08:32.600 own uncle. My own uncle had driven the mile to 00:08:32.600 --> 00:08:37.259 church on Sunday. And here it was Monday and 00:08:37.259 --> 00:08:40.340 he hadn't been heard from and he never arrived 00:08:40.340 --> 00:08:45.440 to church. Well, he was found, thankfully, alive, 00:08:45.720 --> 00:08:51.399 well, everything was okay. Two states over, because 00:08:51.399 --> 00:08:54.700 he got to driving, and then things didn't look 00:08:54.700 --> 00:08:58.980 familiar to him. And so he kept driving. Because 00:08:58.980 --> 00:09:01.679 he thought to himself he was able to thankfully 00:09:01.679 --> 00:09:05.539 tell us after this all happened. He kept thinking 00:09:05.539 --> 00:09:10.240 to himself, nothing looks familiar, and I'm confused. 00:09:10.879 --> 00:09:13.899 And if I stop and ask for help, they're going 00:09:13.899 --> 00:09:15.379 to come and they're going to take my driver's 00:09:15.379 --> 00:09:19.240 license from me. So, of course, when he was found 00:09:19.240 --> 00:09:22.100 two states over, having slept in his car several 00:09:22.100 --> 00:09:25.559 times when he got tired along the way, they took 00:09:25.559 --> 00:09:28.059 his driver's license away from him. Rightfully 00:09:28.059 --> 00:09:33.379 so, unfortunately. But it was a real awakening 00:09:33.379 --> 00:09:36.620 to me to realize that here I am editing a news 00:09:36.620 --> 00:09:41.080 story about my uncle, my cousin. All of this 00:09:41.080 --> 00:09:44.019 had happened. It was almost too close to bear 00:09:44.019 --> 00:09:48.779 because it was family. And unfortunately, that 00:09:48.779 --> 00:09:51.500 can happen. So those assisted living facilities 00:09:51.500 --> 00:09:54.440 that have memory care units are so important 00:09:54.440 --> 00:09:57.080 and they do such a wonderful job. The lockdown 00:09:57.080 --> 00:10:00.269 does not mean it's like a prison. they make it 00:10:00.269 --> 00:10:02.309 as much like home as possible. They help you 00:10:02.309 --> 00:10:05.549 decorate usually. They bring things from home 00:10:05.549 --> 00:10:07.570 and they make it look as much like the familiar 00:10:07.570 --> 00:10:11.649 environment that you know so that your loved 00:10:11.649 --> 00:10:15.690 one will feel very much in a place that looks 00:10:15.690 --> 00:10:18.509 familiar, that they know. In a place that feels 00:10:18.509 --> 00:10:21.389 safe because that's critical to controlling the 00:10:21.389 --> 00:10:23.529 behavioral issues that can sometimes come with 00:10:23.529 --> 00:10:27.610 memory care. Right. Yeah. It's a tough time in 00:10:27.610 --> 00:10:29.970 life. It's a tough condition. And it's one you 00:10:29.970 --> 00:10:34.190 hear so much about. And we have the amber alerts 00:10:34.190 --> 00:10:38.289 or silver alerts both come over our phones quite 00:10:38.289 --> 00:10:40.789 often these days. And, you know, maybe that's 00:10:40.789 --> 00:10:45.169 a topic for another day where we can tell our 00:10:45.169 --> 00:10:48.450 listeners and our viewers about how to recognize 00:10:48.450 --> 00:10:51.360 when someone... might be struggling with some 00:10:51.360 --> 00:10:54.299 memory care issues because people who do have 00:10:54.299 --> 00:10:57.580 memory care issues they develop crutches that 00:10:57.580 --> 00:11:00.240 can make it look like they're managing perfectly 00:11:00.240 --> 00:11:03.200 fine when really they're struggling and they 00:11:03.200 --> 00:11:06.600 may not realize and the family may not realize 00:11:06.600 --> 00:11:10.899 and so That can be an issue. And, you know, this 00:11:10.899 --> 00:11:12.860 is something we've had personal experience with 00:11:12.860 --> 00:11:15.980 family members where the doctor was telling us 00:11:15.980 --> 00:11:17.820 they're perfectly fine and we were going, no, 00:11:17.960 --> 00:11:21.139 something's off. The doctor only sees them once, 00:11:21.240 --> 00:11:24.539 twice a year. For a few minutes, we see them 00:11:24.539 --> 00:11:29.000 every day. It's lengthy. We see them when they 00:11:29.000 --> 00:11:31.019 sundown. That's a different thing we'll talk 00:11:31.019 --> 00:11:33.740 about at some point, I'm sure. Because sundowning 00:11:33.740 --> 00:11:38.179 is weird for the caregiver. That, hey, they're 00:11:38.179 --> 00:11:40.179 fine, they're fine, they're fine. And then somebody 00:11:40.179 --> 00:11:43.419 flips the switch. And the sun begins to go down. 00:11:43.419 --> 00:11:45.519 It's later in the day. Their energy levels become 00:11:45.519 --> 00:11:48.360 lower. And just as a preview of that show that 00:11:48.360 --> 00:11:52.639 we'll do, all of a sudden you've got the lovely 00:11:52.639 --> 00:11:56.059 little Dr. Jekyll followed by Mr. Hyde. And that's 00:11:56.059 --> 00:11:58.580 exactly it. That's exactly it. But to get to 00:11:58.580 --> 00:12:01.419 answering your question, even the memory care 00:12:01.419 --> 00:12:04.820 units, be they at assisted living or skilled 00:12:04.820 --> 00:12:07.980 nursing facilities, are not covered by Medicare. 00:12:08.500 --> 00:12:11.840 They're not covered by Medicare. Really? Really. 00:12:12.559 --> 00:12:15.820 Wow. So to get back to where we were when we 00:12:15.820 --> 00:12:17.860 started all this, we kind of went off on a tangent. 00:12:17.899 --> 00:12:21.580 Good information. Great stuff. But we were really 00:12:21.580 --> 00:12:25.200 looking at the population who thinks that they're 00:12:25.200 --> 00:12:29.279 covered, but they're not. So anyone who is on 00:12:29.279 --> 00:12:32.639 Medicare, who's been paying into it their entire 00:12:32.639 --> 00:12:37.360 lives, a lot of these people go into their golden 00:12:37.360 --> 00:12:40.240 years thinking that whatever they need is going 00:12:40.240 --> 00:12:43.919 to be covered. And truth of the matter is, that's 00:12:43.919 --> 00:12:47.860 not true. And that can be a rude awakening for 00:12:47.860 --> 00:12:50.299 some people. The gentleman that I was talking 00:12:50.299 --> 00:12:53.399 about that I had this conversation with actually 00:12:53.399 --> 00:12:56.960 became quite belligerent when he found out that 00:12:56.960 --> 00:13:02.299 what he had saved to leave to his family, he 00:13:02.299 --> 00:13:04.440 was not going to be able to leave to them because 00:13:04.440 --> 00:13:07.279 it was now going to cost that for him to be able 00:13:07.279 --> 00:13:10.139 to receive the care that he needed. Oh, wow. 00:13:10.720 --> 00:13:14.419 That could be a very... It was very upsetting, 00:13:14.860 --> 00:13:17.740 not just to him, but to the entire family. I 00:13:17.740 --> 00:13:21.759 mean, and it really does put our seniors in a 00:13:21.759 --> 00:13:25.600 delicate position because here you have someone 00:13:25.600 --> 00:13:29.559 who is on a fixed income. You know, they're only 00:13:29.559 --> 00:13:32.480 getting a certain amount each month. And now 00:13:32.480 --> 00:13:35.919 you're looking at a facility that is going to 00:13:35.919 --> 00:13:40.179 cost thousands of dollars a month. And you have 00:13:40.179 --> 00:13:44.669 most of the time. You have a spouse who's going 00:13:44.669 --> 00:13:48.970 to be at home with all the same expenses, but 00:13:48.970 --> 00:13:51.809 now with half the income and the added expense 00:13:51.809 --> 00:13:57.789 of that facility. Of course, of course. And that's 00:13:57.789 --> 00:14:00.610 important to, it's one of the topics, one of 00:14:00.610 --> 00:14:02.429 the things, one of the very purposes of this 00:14:02.429 --> 00:14:07.960 show is to allow people to live. More in control 00:14:07.960 --> 00:14:11.279 of their destiny, more in control of their resources, 00:14:11.500 --> 00:14:14.779 of their life, of their medical choices. To be 00:14:14.779 --> 00:14:17.659 able to prepare, to plan. To be aware, to know 00:14:17.659 --> 00:14:22.440 these situations are possible would have saved 00:14:22.440 --> 00:14:26.419 that family and that particular patient a lot 00:14:26.419 --> 00:14:28.840 of shock at the moment. Absolutely. When they're 00:14:28.840 --> 00:14:31.840 already not doing well, not feeling well, and 00:14:31.840 --> 00:14:34.950 all of a sudden they realize. Now everything 00:14:34.950 --> 00:14:39.210 I ever saved for, everything I paid into Medicare 00:14:39.210 --> 00:14:41.230 isn't going to pay for what I have to have done 00:14:41.230 --> 00:14:45.090 here. Correct. And I'll tell you, Medicare is 00:14:45.090 --> 00:14:47.129 a whole other topic that we're going to talk 00:14:47.129 --> 00:14:49.970 about at some other point. And we've run out 00:14:49.970 --> 00:14:51.909 of time. We're going to have to push this off 00:14:51.909 --> 00:14:54.809 until another show. But I wanted to ask specifically, 00:14:55.110 --> 00:15:01.230 when people, a community center or a church has 00:15:01.230 --> 00:15:07.379 a... a gathering and passes out the five wishes 00:15:07.379 --> 00:15:10.139 and has everyone fill it out and then everyone 00:15:10.139 --> 00:15:12.220 goes home all happy thinking, yeah, I've taken 00:15:12.220 --> 00:15:15.940 care of all my paperwork. Is that really the 00:15:15.940 --> 00:15:20.039 case? Not all the time. Not all the time. So 00:15:20.039 --> 00:15:21.940 we're going to talk about that in an upcoming 00:15:21.940 --> 00:15:24.320 episode. So stay with us. Is there anything you'd 00:15:24.320 --> 00:15:29.000 like to follow up with here to top off this particular 00:15:29.000 --> 00:15:34.759 show? Yes. So there are things out there called 00:15:34.759 --> 00:15:40.149 long -term care policies. that can be bought 00:15:40.149 --> 00:15:44.549 that will help offset the cost of care if a facility 00:15:44.549 --> 00:15:47.330 is needed there's the added benefit here that 00:15:47.330 --> 00:15:50.090 long -term care policies can also pay for care 00:15:50.090 --> 00:15:53.110 in the home so it might help people remain in 00:15:53.110 --> 00:15:56.190 the home longer and maybe avoid those facilities 00:15:56.190 --> 00:15:58.610 and something to think about you know you could 00:15:58.610 --> 00:16:03.289 need a long -term care policy uh well one of 00:16:03.289 --> 00:16:05.690 the i've talked about this actually done lectures 00:16:05.690 --> 00:16:10.070 on this before that When you can afford a long 00:16:10.070 --> 00:16:12.330 -term care policy, you're generally young and 00:16:12.330 --> 00:16:15.330 you're generally not thinking about it. By the 00:16:15.330 --> 00:16:17.870 time you're old enough that it enters your mind 00:16:17.870 --> 00:16:21.190 and you need a long -term care policy, you're 00:16:21.190 --> 00:16:24.250 already too old for it to be affordable. And 00:16:24.250 --> 00:16:26.509 they get very expensive, the older you get, because 00:16:26.509 --> 00:16:30.129 you require more care. But the important point 00:16:30.129 --> 00:16:33.950 that I've always made in those lectures, you 00:16:33.950 --> 00:16:37.259 can need long -term care at any age. Absolutely. 00:16:37.259 --> 00:16:42.059 I've known 20 -year -olds, unfortunately, involved 00:16:42.059 --> 00:16:46.379 in bad accidents who are then made necessary 00:16:46.379 --> 00:16:49.000 for long -term care their entire lives. Correct. 00:16:49.120 --> 00:16:51.320 And long -term care may not necessarily mean 00:16:51.320 --> 00:16:54.240 end of life. No, not at all. It just means a 00:16:54.240 --> 00:16:57.779 situation where your care is going to be prolonged. 00:16:58.539 --> 00:17:01.539 And it's going to take place where most recovery 00:17:01.539 --> 00:17:05.200 is weeks, months. Long -term care means you're 00:17:05.200 --> 00:17:09.259 looking at years. Or potentially could need services 00:17:09.259 --> 00:17:13.339 and procedures and regular maintenance that family 00:17:13.339 --> 00:17:16.160 members are neither trained nor sometimes even 00:17:16.160 --> 00:17:18.720 willing to provide for you because it's way out 00:17:18.720 --> 00:17:21.740 of their wheelhouse. So it's something that, 00:17:21.759 --> 00:17:24.400 again, we're going to talk about in the future. 00:17:24.420 --> 00:17:26.880 We've got a lot of great topics to tell you about. 00:17:27.099 --> 00:17:30.960 And again, going into these situations with that 00:17:30.960 --> 00:17:34.009 knowledge is what this show is all about. because 00:17:34.009 --> 00:17:35.869 you can live a better quality of life and make 00:17:35.869 --> 00:17:38.309 better decisions. So we've run out of time. We're 00:17:38.309 --> 00:17:40.750 way over time. And I appreciate you being here. 00:17:40.769 --> 00:17:42.950 Of course, it's all a highly personal choice. 00:17:43.049 --> 00:17:46.009 No conversation that we have on the Light Keepers 00:17:46.009 --> 00:17:48.670 podcast should ever take the place of your own 00:17:48.670 --> 00:17:51.029 medical care team or other professional advisor 00:17:51.029 --> 00:17:54.019 who should always be consulted by you. for your 00:17:54.019 --> 00:17:57.619 specific situational needs. And it's always good 00:17:57.619 --> 00:17:59.859 to be willing to talk about quality of life because 00:17:59.859 --> 00:18:02.799 every single one of us will face some of these 00:18:02.799 --> 00:18:05.519 issues some of the time. Either not prepared 00:18:05.519 --> 00:18:09.549 at all... We're very well prepared indeed from 00:18:09.549 --> 00:18:11.589 joining us here on the Light Keepers podcast 00:18:11.589 --> 00:18:14.730 each and every Wednesday at 7 p .m. Eastern. 00:18:14.890 --> 00:18:17.210 This is an exclusive production of Animation 00:18:17.210 --> 00:18:19.849 Studios brought to you by A Guiding Light. That's 00:18:19.849 --> 00:18:24.130 a 501c3 nonprofit organization dedicated to education 00:18:24.130 --> 00:18:27.049 and information that allows informed preparation 00:18:27.049 --> 00:18:30.910 for living the very best life possible at any 00:18:30.910 --> 00:18:33.609 age. The mission of A Guiding Light is to provide 00:18:33.609 --> 00:18:36.789 education for professionals. and information 00:18:36.789 --> 00:18:39.950 for everyone else about life planning, available 00:18:39.950 --> 00:18:42.609 guidance, and counseling that helps individuals 00:18:42.609 --> 00:18:46.009 and their families navigate options that improve 00:18:46.009 --> 00:18:49.089 the quality of their remaining days. 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Send 00:19:18.400 --> 00:19:20.200 your check to the address on the screen right 00:19:20.200 --> 00:19:23.099 below me here, or there's even a link to send 00:19:23.099 --> 00:19:28.380 a direct PayPal on both of our audio and video. 00:19:29.470 --> 00:19:32.190 podcast. So you can send that link directly to 00:19:32.190 --> 00:19:35.150 us, scan the QR code, and that'll get you where 00:19:35.150 --> 00:19:37.589 you need to go. So we're so grateful of your 00:19:37.589 --> 00:19:40.410 support. Sincerely hope you will join the conversation 00:19:40.410 --> 00:19:43.130 in the coming weeks. Add your questions and comments 00:19:43.130 --> 00:19:45.710 below. Speaking of that, hit the like and subscribe 00:19:45.710 --> 00:19:47.630 buttons right now while you're thinking about 00:19:47.630 --> 00:19:50.289 it. It's free. And turn on that notify bell. 00:19:50.369 --> 00:19:53.869 You'll catch every single episode. I'm Clayton 00:19:53.869 --> 00:19:56.650 Vandiver, your light keeper. We'll see you next 00:19:56.650 --> 00:19:59.940 time. Thank you.