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Alzheimer Disease: Symptoms, Causes, Treatment & Financial Planning

9 March, 2021

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Alzheimer Disease: Symptoms, Causes, Treatment & Financial Planning

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Alzheimer’s disease is a long-term illness in which the death of brain cells leads to memory loss and degeneration of cognitive abilities. This neurological disorder is a form of dementia that causes issues related to thinking, memory and overall behaviour. It progresses gradually and the condition of the patient worsens over time. At its most severe, it interferes with daily life making it so difficult for the patient to even carry normal conversations and may require round-the-clock assistance. We can see older patients in particular suffer with this condition.

Since this ailment counts as a critical illness, it is essential to plan your finances well if you have to cope with the expenses that accompany the disease.  Besides the impact on your health, such diseases can also take a huge toll on your financial well-being and stability. Read on to understand the causes, symptoms, treatment and financial planning strategies for Alzheimer’s disease.

 

Symptoms

The symptoms can vary from person to person, but here are some common signs and symptoms associated with Alzheimer's disease:

 

  • Memory loss

  • Cognitive decline

  • Language problems

  • Disorientation and confusion

  • Impaired judgement and decision-making

  • Changes in mood and personality

  • Loss of initiative

  • Difficulty with daily tasks

     

Causes

As with other types of dementia, this disease is a result of the death of brain cells. Progressive cell death is spread out over time, and it is a neurodegenerative disease. Over time, the patient has fewer and fewer nerve cells or connections. 

 

The primary causes of this disease would include: 

  • Diabetes

  • Family history

  • Stroke

  • Obesity

  • High blood pressure

  • Heart diseases

  • Smoking

 

The treatment of this disease aims to alleviate symptoms, slow down the progression of the disease, and improve the individual's quality of life. Here are some common approaches:

 

  • Medications: Several medications are available to manage cognitive symptoms and delay the progression of this disease. These drugs work by regulating neurotransmitters involved in memory and cognition.

 

  • Supportive Therapies: Various therapies and interventions can help patients cope with their symptoms and maintain their functional abilities. These may include cognitive training, occupational therapy, and speech therapy. Support groups can also provide emotional support and practical advice for individuals and their caregivers.

 

  • Healthy Lifestyle: Adopting a healthy lifestyle can contribute to overall well-being and may help manage the symptoms. This includes regular physical exercise, a balanced diet rich in fruits, vegetables, and omega-3 fatty acids, and adequate sleep. Staying mentally and socially active can also be beneficial.

 

  • Management of Other Conditions: It's important to effectively manage other medical conditions that can worsen cognitive function, such as diabetes, high blood pressure, and depression. 

 

  • Safety Measures: As the disease progresses, safety becomes a concern. Ensuring a safe living environment, implementing measures to prevent falls and accidents, and using memory aids (such as calendars, reminder notes, and medication organisers) can help enhance safety and independence.

 

  • Clinical Trials: Participating in clinical trials can provide access to new treatments and contribute to the advancement of research. Clinical trials evaluate potential therapies and interventions aimed at improving diagnosis, management, and prevention of the disease.

 

Financial Planning 

Financial planning is crucial for individuals diagnosed with this disease and their families. Here are some strategies to consider:

 

  • Create a Comprehensive Financial Plan: Work with a financial planner or advisor to develop a comprehensive financial plan that addresses various aspects, including healthcare costs, living arrangements, long-term care, and estate planning. This plan should be regularly reviewed and updated as the disease progresses.

 

  • Assess Available Resources: Take stock of existing financial resources, such as savings, investments, pensions, and insurance policies. Understand the coverage and benefits of health insurance, long-term care insurance, and disability insurance. This will help determine the available funds for medical care and support services.

 

  • Consider Long-term Care Options: Explore different long-term care options, such as in-home care, assisted living facilities, or nursing homes. Understand the associated costs and evaluate what is affordable and suitable for the individual's needs.

 

  • Research Government Assistance Programs: Investigate government assistance programs that can provide financial support for the patient. Determine eligibility requirements and apply accordingly.

 

  • Establish a Power of Attorney: Designate a trusted person as a power of attorney to make financial and legal decisions on behalf of the patient. This ensures that financial affairs can be managed when the person is no longer able to do so.

 

  • Set up a Living Will or Advance Directive: Create a living will or advance directive that outlines the individual's wishes regarding medical treatment, end-of-life care, and financial decisions. This provides guidance to family members and healthcare providers.

 

Parting Words:

In addition to the strategies mentioned above, you must also opt for a health insurance plan or critical illness insurance plan in order to secure your financial stability. If it runs in the family, the risk for this disease increases, and hence one should plan ahead based on family medical history. While buying a health insurance plan, ensure that you understand the inclusions and exclusions from the coverage of your plan. In case you are unemployed and don’t have any coverage, it is recommended that you seek the highest possible coverage available.

If you are employed, consult your employer and insurer regarding short or long-term disability insurance. Also, consider the benefits and services/expenses covered under the policy, such as hospitalisation expenses, medication fees, check-up fees, nursing home or hospice care, therapy, nursing facilities, etc.

 

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