By Jim Miller

Dear Savvy Senior,

Does Medicare offer any financial assistance programs to help seniors with their medication costs? I recently enrolled in a Medicare drug plan, but I take some expensive medications that have high out-of-pocket costs and need some help.

Living on a Shoestring 

Dear Living,

Yes, there’s a low-income subsidy program called ‘Extra Help’ that assists Medicare beneficiaries on a tight budget by paying for their monthly premiums, annual deductibles, and co-payments related to their Medicare (Part D) prescription drug coverage.

By Jim Miller

Dear Savvy Senior,

Do you have any suggestions on divvying up my personal possessions to my kids after I’m gone without causing hard feelings or conflict? I have a lot of jewelry, art, family heirlooms and antique furniture, and four grown kids that don’t always see eye-to-eye on things.

Conflicted Parent

Dear Conflicted,

Divvying up personal possessions among adult children or other loved ones can often be a tricky task. Deciding who should get what without showing favoritism, hurting someone’s feelings or causing a feud can be difficult, even for close-knit families who enter the process with the best of intentions. Here are a few tips to consider that can help you divide your stuff with minimal conflict.

Sweating the Small Stuff

For starters, you need to be aware that it’s usually the small, simple items of little monetary value that aren’t mentioned in your will that cause the most conflicts. This is because the value we attach to the small personal possessions is usually sentimental or emotional, and because the simple items are the things that most families fail to talk about.

Family battles can also escalate over whether things are being divided fairly by monetary value. So, for items of higher value like your jewelry, antiques and art, consider getting an appraisal to assure fair distribution. To locate an appraiser in your area, try ISA-appraisers.org, Appraisers.org or AppraisersAssociation.org

By Jim Miller

Dear Savvy Senior,

I have arthritis and hand tremors that affects my grip strength and makes brushing my teeth difficult. I’ve read that electric toothbrushes can help make the job easier. Can you make any recommendations for seniors?

Arthritic Alice

Dear Alice,

For seniors who suffer from arthritis or have other hand weaknesses or tremors, an electric toothbrush is an often turned to solution for keeping your teeth clean. At the push of a button, an electric toothbrush will do everything but shake, rattle and roll to do the cleaning for you, and most come with a wide, slightly weighted handle and rubberized grip that make them easier and more comfortable to hold on to.

Narration provided by Wondervox.

By Jim Miller

Dear Savvy Senior,

What safety tips can you recommend for older drivers? My 86-year-old mother, who still drives herself, had a fender bender last month and I worry about her safety.

Back Seat Daughter 

Dear Back Seat,

With more and more older Americans driving well into their 70s, 80s and beyond, there are a variety of things your mom can do to help maintain and even improve her driving skills. Here are some recommendations by driving rehabilitation specialists that work with older drivers.

Get an eye exam: Because about 90 percent of the information necessary to drive is received through our eyes, this is a good first step in ensuring your mom’s driving safety. So, get your mom’s eyes checked every year to be sure her vision and eyewear is up to par.

Narration provided by Wondervox.

By Jim Miller

Dear Savvy Senior,

Does Medicare cover any weight-loss treatments for overweight retirees? I just turned 65 and need to lose about 100 pounds and would like to know if Medicare can help.

Overweight Owen                                                                           

Dear Owen,

Yes, traditional Medicare does indeed cover some weight-loss treatments like counseling and certain types of surgery for overweight beneficiaries, but unfortunately it doesn’t cover weight-loss programs or medications. Here’s what you should know.

Who’s Eligible

For beneficiaries to receive available Medicare-covered weight-loss treatments your body mass index (BMI), which is an estimate of your body fat based on your height and weight, must be 30 or higher.

A BMI of 30 or above is considered obese and increases your risk for many health conditions, such as some cancers, coronary heart disease, type 2 diabetes, stroke and sleep apnea. To find out your BMI, the National Institutes of Health has a free calculator that you can access online at nhlbi.nih.gov/health/educational/lose_wt/BMI/bmicalc.htm.

Narration provided by Wondervox.

By Jim Miller

Dear Savvy Senior,

Can you explain to me how the retirement saver’s tax credit works? My wife and I are in our fifties and are looking for creative ways to boost our retirement savings beyond our 401(k). Is this something we may be eligible for?

Struggling to Save

Dear Struggling,

If your income is low to moderate and you participate in your employer-sponsored retirement plan or an IRA, the Retirement Savings Contribution Credit (aka “Saver’s Credit”) is a frequently overlooked tool that can help boost your retirement savings even more. Here’s how it works.

Narration provided by Wondervox.

By Jim Miller

Dear Savvy Senior,

What can you tell me about seasonal affective disorder? I’ve always disliked winter, but since I retired and am home a lot more, the gray, cold winter months make me feel really blue.

Sad Sam

Dear Sam,

If you get depressed in the winter but feel better in spring and summer, you may indeed have seasonal affective disorder, or SAD, a wintertime depression that affects roughly 5 percent of Americans.

In most cases, SAD is related to the loss of sunlight in the winter months. Reduced sunlight can upset natural sleep-wake cycles and other circadian rhythms that can affect the body. It can also cause a drop in the brain chemical serotonin, which affects mood, and can increase the levels of the hormone melatonin, which can make you feel more tired and lethargic.

If you think you may have SAD, a trip to your doctor’s office is the best way to diagnose it or you can take a SAD “self-assessment” test at the Center for Environmental Therapeutics website at CET.org/assessments. If you find that you have SAD, here are several treatment options and remedies that can help.

Light therapy: The most effective treatment for SAD is sitting in front of a specialized light therapy box for 20 to 30 minutes a day, within the first hour of waking up in the morning. Light therapy mimics outdoor light to cause a change in brain chemicals linked to mood.

While you can buy a light box without a prescription, it’s best to use it under the guidance of a health care provider and follow the manufacturer’s guidelines. Most health insurance plans do not cover the cost.

The best light therapy lamps provide 10,000 lux of illumination, many times stronger than typical indoor light, and have a diffuser screen that filters out ultraviolet rays and projects downward toward the eyes.

Some top-rated light therapy products include the Carex Day-Light Classic Plus Bright Lamp ($145); Northern Light Technology Boxelite-OS ($205); and the budget friendly Verilux HappyLight Luxe ($70), all of which are available at Amazon.com. 

Cognitive behavioral therapy: Even though SAD is considered to be a biological problem, identifying and changing thought and behavior patterns can help alleviate symptoms too. To help you with this, choose a therapist who specializes in cognitive behavioral therapy and who has experience in treating SAD. To locate someone in your area, Psychology Today offers a search tool at PsychologyToday.com/us/therapists/cognitive-behavioral-cbt.

Antidepressants: Some people with SAD benefit from antidepressant treatments too. Some proven medications to ask your doctor about are selective serotonin reuptake inhibitors (SSRIs) and the extended-release antidepressant bupropion.

But keep in mind that it may take several weeks to notice full benefits from an antidepressant. In addition, you may have to try different medications before you find one that works well for you and has the fewest side effects.

Lifestyle remedies: Some other things you can do to help alleviate your SAD symptoms include making your environment sunnier and brighter. So, open up your blinds, sit closer to bright windows and get outside as much as you can. Even on cold or cloudy days, outdoor light can help, especially if you spend some time outside within two hours of getting up in the morning. 

Moderate exercise such as walking, swimming, yoga and even tai chi can also help alleviate SAD symptoms, as can social activities.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

Comments, suggestions or encouragement always welcome! We’re listening …