MeredithMay2017

Bone density testing reveals risk for osteoporosis-related fracture

LACONIA — World Osteoporosis Day is October 20, 2015 and LRGHealthcare wants local communities and patients to know more about osteoporosis and the risk factors and treatments available for better bone health.

Osteoporosis occurs when bones become thin and fragile. The result is that they break easily, even following a minor bump or fall from standing height. Worldwide, one in three women and one in five men over the age of 50 will suffer a broken bone (fracture) due to osteoporosis. Although fractures can occur in any part of the body, they most commonly affect the wrists, spine and hips. Fractures due to osteoporosis are a major cause of pain, long-term disability and loss of independence among older adults, and can even result in premature death.

"A balanced diet, combined with regular exercise, will help to optimize your bone health at all ages and reduce the risk of osteoporosis. The size and the amount of bone contained in your skeleton changes significantly throughout life. Likewise, as you age, the specific nutritional needs of your skeleton change too", stated Cyndee Chapin, Director of Medical Imaging, Cardiology, Community Wellness and Neurology at LRGHealthcare.

A person's bone density can be measured by a machine that uses low levels of X-rays to determine the proportion of mineral in your bones. During this painless test, you lie on a padded table as a scanner passes over your body. In most cases, only a few bones are checked — usually in the hip, wrist and spine.

Treatment recommendations are based on an estimate of your risk of breaking a bone in the next 10 years using information from a bone density test. If the risk is not high, treatment might not include medication and might focus instead on lifestyle, safety and modifying risk factors for bone loss.

LRGHealthcare offers bone density testing at Lakes Region General Hospital, Franklin Regional Hospital, and Caring for Women. For more information on osteoporosis or to schedule an appointment, please contact 527-2899.

  • Category: Retirement
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Estate planning and the vacation home

By Charles F. Tucker, Esq.


A camp in New Hampshire, a cottage on Cape Cod, a cabin in the Sierra, is often much beloved by a generation or two of a family. You have had great days there, you know you are not eternal, but you hope, somehow, the camp, cottage, or cabin, will stay in the family for many generations to come.
Lawyers can't guarantee it, but they can help.
Sometimes the problem is one of plenty – your children reproduce, and so do theirs, and the camp, cottage or cabin cannot accommodate them all. We, being lawyers, have ways of rationing the usage, from the very simple – Child A has it from January 1 to July 31, and Child B for the rest of the year, alternating each year, to very complex ways of bidding for weeks, or annual lotteries, for coveted weeks each summer.
And, we can offer different ways of allocating ownership, from a reasonably simple trust to a more complex corporation or limited liability company.
Issues to be resolved include who is to be able to own an interest in the place – just descendants, or widows/widowers of descendants? Can interests be transferred to others, and is the transfer to be restricted to family only?
What is the fraction of the interests needed to mortgage the premises, or to sell it?
What do you do to the interest holder who does not put in his or her share of the money needed for the new roof?
Do you do rentals to non-family members?
Are the property taxes, or maintenance costs becoming prohibitive?
Who keeps the books?
If there is more than one dwelling on the property, or, if another could be built, how do you deal with that?
If there is more than one dwelling unit, does it make sense to condo it?
If there is excess land, does it make sense to sell it to bring in money, or, try to sell a conservation easement so it won't be developed?
Frequently, all the above questions have been answered for this year, but, think ahead to when the older generation is gone, and think about the cast of characters in the next generation – how will they want to deal with this?
It is far better to deal with these issues in advance, and, as noted above, lawyers can help by asking the right questions, and then formulating an organizational structure to get it done.
Transferring a vacation home often involves complex decisions with significant tax considerations. Next month's article will briefly discuss the tax consequences associated with transferring a vacation home at death, or by sale, or by gift.

  • Category: Retirement
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Financial exploitation of seniors is now a crime in NH

Nancy, a widow in her 80s and living alone in the Lakes Region, was befriended by a neighbor. Lonely and desperate, Nancy accepted help from this neighbor, and agreed to, among other things, sell the neighbor all of her belongings for $1. When the neighbor was eventually reported to the police, she wasn't charged with any crimes; the case was dismissed as a "civil matter."

As Nancy's story highlights, financial abuse is not committed solely by professional scammers or criminals. Rather, many who commit elder abuse are also family, friends, caregivers and other people elders may trust. While New Hampshire Legal Assistance regularly represents victims like Nancy, the types of civil legal remedies we can pursue are limited. With police help, we were able to recover some of Nancy's treasured personal belongings. Thanks to a new law, passed with bipartisan support by our state legislature and signed by our governor, there is now recourse available for people like Nancy.

The new law creates the crime of financial exploitation, providing important protections for seniors who, because of social isolation and poor health, are often at high risk of financial abuse. The new law makes it illegal if a person knowingly or recklessly uses undue influence, harassment, duress, force, compulsion or coercion to acquire the property of an elderly adult, or uses influence or force to establish a fiduciary relationship, such as a power of attorney.

If you suspect that an elderly person is being financially exploited, call the NH Bureau of Elderly and Adult Services or your local police department.

Cheryl Steinberg is director of the Senior Law Project at New Hampshire Legal Assistance, a non-profit civil legal aid organization serving low-income and elderly New Hampshire residents. NHLA maintains five branch offices in Berlin, Claremont, Concord, Manchester and Portsmouth.

  • Category: Retirement
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