By Michelle Andrews

When Betty Hoff moved into an assisted-living facility in Fowler, Calif., two years ago, the 86-year-old thought she didn't have anything to worry about financially. She had a long-term-care insurance policy that would pay up to $3,000 a month for three years of nursing home, assisted living, or home care. Hoff has severe arthritis and can get around only with a walker or cane, which means she could no longer cook, clean, or do the laundry. But her insurer denied the claim. Hoff wasn't cognitively impaired, and the company said she didn't need help with enough "activities of daily living," or ADLs, to qualify for benefits.

A simple fall can change your life. Just ask any of the thousands of older men and women who fall each year and break (sometimes called fracture) a bone.

There are many shots, or vaccinations, that may keep you from getting sick. Some of these shots may also protect you from getting a serious form of the illness. Here is a list of shots that may keep you healthy. Talk to your doctor about which ones you need.

Medicare pays for many of your health care expenses, but it does not cover all of them. It is important for you to know what Medicare does and does not pay for. This Handbook will help you understand how the Medicare program works and what your benefits are. You can use the alphabetical index at the back of the book to find information on specific subjects. This Handbook is also available in Spanish. (See inside back cover for how to order.)

Going to the hospital is somewhat like traveling to another country - the sights are unfamiliar and the people you meet there often speak a foreign language. No matter what the reason for the trip - whether it's an overnight visit for a few tests or a longer stay for medical treatment or major surgery - nearly everyone worries about entering the hospital. Learning more about hospitals and the people who work there may help make your hospital stay less stressful.

Amy had always been proud of her skin, especially her summer tan. But as she grew older, she saw she was getting more fine lines and wrinkles. She began to worry about what other skin problems she may have. What were those brown spots on her hands and arms?
Your skin changes with age. It becomes thinner, loses fat, and no longer looks as plump and smooth as it once did. Your veins and bones can be seen more easily. Scratches, cuts, or bumps can take longer to heal. Years of sun tanning or being out in the sunlight for a long time can lead to wrinkles, dryness, age spots, and even cancer. But there are things you can do to help your skin.