Hamilton Insurance Group - November 2018

grandparent and angry old neighbor are archetypal depictions of later life. But these fictions don’t have to be your reality. Recognizing and acknowledging gratitude will help you take stock of the positive aspects of your life and dwell less on unhappy thoughts. Being grateful has also been linked to significant health benefits. According to gratitude expert and author Dr. Robert A. Emmons, “Preliminary findings suggest that those who regularly practice grateful thinking do reap emotional, physical, and interpersonal benefits. Adults who keep gratitude journals on a regular basis exercise more regularly, report fewer illness symptoms, feel better about their lives as a whole, and are more optimistic about the future.” How to Practice Gratitude In the above quotation from Dr. Emmons, he mentions the practice of keeping a gratitude journal. This activity is a great way to start seeing the world with a more positive,

appreciative eye. As often as you can, take a few minutes to write down the acts, people, and moments that you’re grateful for. Some will be big, others small — but all will have an impact on your mood and bring a smile to your face. Before you know it, you’ll have an entire book full of good memories and warm feelings. While keeping a journal is great, there are other ways to go about cultivating and expressing gratitude. The easiest one is simply to say “Thanks” whenever you can. It may seem insignificant, but you’d be surprised what a difference it makes. When you approach the world with the perspective that every day is Thanksgiving, it’s only natural to be grateful. We all have moments when we want to curse the world, especially as we get older, and those experiences are perfectly normal. Just as frequently, though, we have moments that are worth celebrating, often with people who are worth appreciating. Which will you think about more?

Taking the time to acknowledge who and what you’re grateful for is a Thanksgiving tradition far more important than turkey or football. It’s the cornerstone of the holiday and the reason we feast together in the first place. But when you really think about it, should expressing our gratitude and appreciation for others be limited to one day every year? Of course not! Why Gratitude Matters As we get older, it’s easy to succumb to negativity and pessimism — “Kids these days,” “The world isn’t what it used to be,” etc. The crabby

2019 Medicare Changes Is the Advantage Plan Right for You?

Medicare provides many benefits, but as with any health care program, fitting it to one’s specific needs can be a challenge. Luckily, Medicare addresses these issues each year and makes adjustments aimed at helping the majority of its recipients. Here are three Medicare changes coming in 2019 that will help people all over the country. ‘Doughnut Hole’ Medicare’s Part D enrollment currently requires individuals with expensive medications to spend more after they reach a certain threshold. As the costs rise, a gap in coverage known as the

“doughnut hole” forms. This gap was scheduled for removal in 2020, but because of the spending bill that passed in March, it will now end in 2019. At-Home Care Assisted living and home-care expenses can be a severe burden for many individuals. Medicare can cover some in-home help for a period, but its reach is limited. Starting in 2019, the Medicare Advantage Plan will now allow beneficiaries the option to include health aides who can assist with bathing, dressing, and other life necessities.

Test Drive New participants often hesitate to enroll, but 2019 will allow those interested in the Advantage Plan the opportunity to try it out for three months. If the coverage doesn’t live up to expectations after the initial enrollment period, there is the opportunity to change plans. These are just a few of the revisions coming down the pike. If you have more questions, reach out to me today to learn more.

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