Saturday, January 18, 2014

To Fight Death or Embrace It

To go gently - or not - into that good night

Cancer patient's warrior metaphor victimises others

 
 
LISA Bonchek Adams has spent the past seven years in a fierce and very public cage fight with death.
Since a mammogram detected the first toxic seeds of cancer in her left breast when she was 37, she has blogged and tweeted copiously about her contest with the advancing disease. She has tweeted through morphine haze and radiation burn.
Even by contemporary standards of social media self-disclosure, she is a phenomenon. (Last week she logged her 165,000th tweet.) A rapt audience of several thousand follows her unsparing narrative of mastectomy, chemotherapy, radiation, biopsies and scans, pumps and drains and catheters, gruelling drug trials and grim side effects, along with her posts on how to tell the children, potshots at the breast cancer lobby in the United States, poetry and resolute calls to "persevere".
In the past month or two, her broadcasts have changed tone slightly; her optimism has become a little less unassailable.
As 2013 ended, the cancer that had colonised her lymph nodes, liver, lungs and bones had set up a beachhead in her spine, the pathway to her (so far tumour-free) brain. She was deemed too sick to qualify for the latest drug trial.
She is warded at New York's Memorial Sloan-Kettering Cancer Centre, which has embraced her as a research subject and proselytiser for the institution.
Ms Adams is still alive, still blogging, and insists she is not dying, but the blog has become less about prolonging her survival and more about managing her excruciating pain. Her poetry has become darker.
"The words of disease become words my brain gravitates to," she pecked the other day after a blast of radiation. "The ebb and flow of cancer, Of life. And so too, Inevitably, Of death."
In October 2012, I wrote about my father-in-law's death from cancer in a British hospital. There, more routinely than in the US, patients are offered the option of being unplugged from everything except painkillers and allowed to slip peacefully from life.
His death seemed to me a humane and honourable alternative to the frantic medical trench warfare that often makes an expensive misery of death in America.
Among doctors in the US there is a growing appreciation of palliative care that favours the quality of the remaining life rather than endless "heroic measures" that may or may not prolong life but assure the final days are clamorous, tense and painful. (And they often leave survivors bankrupt.)
What Britain and other countries know, and the US is learning, is that every cancer need not be Verdun, a war of attrition waged regardless of the cost or the casualties.
It seemed, and still does, that there is something enviable about going gently.
One intriguing lung cancer study even suggests that patients given early palliative care instead of the most aggressive chemotherapy not only have a better quality of life, but they actually live a bit longer.
When my wife, who had her own brush with cancer and who wrote about Ms Adams' case for The Guardian newspaper in Britian, introduced me to the cancer blog, my first thought was of my father-in-law's calm death.
Ms Adams' choice is in a sense the opposite. Her aim was to buy as much time as possible to watch her two children grow up. So she is all about heroic measures. She is constantly engaged in battlefield strategy with her medical team. There is always the prospect of another research trial to excite her hopes. She responds defiantly to any suggestion that the end is approaching.
"I am not on my deathbed," she told me in an e-mail from the hospital. "Periods of cancer progression and stability are part of the natural course of this disease. I will be tweeting about my life and diagnosis for some time to come," she predicted, and I hope she's right.
In any case, I cannot imagine Ms Adams reaching a point where resistance gives way to acceptance. That is entirely her choice, and deserving of our respect. But her decision to live her cancer onstage invites us to think about it, debate it, learn from it.
The first thing I would say is that her decision to treat her terminal disease as a military campaign has worked for her. Her relationship with the hospital provides her with intensive, premium medical care, including not just constant maintenance and aggressive treatment but also such Sloan-Kettering amenities as the Caring Canines programme, in which patients get a playful cuddle with visiting dogs.
(Neither Ms Adams nor Sloan- Kettering would tell me what all this costs or whether it is covered by insurance.)
Whether or not this excellent care has added months or years to her life, as she clearly believes, is a medical judgment, and her doctors, bound by privacy rules, won't say.
Most trials of new drugs aim to determine safety and calibrate dosages, and make no promise of slowing the disease in the participants.
But any reader can see that Ms Adams' online omnipresence has given her a sense of purpose, a measure of control in a tumultuous time, and the comfort of a loyal, protective online community. Social media has become a kind of self-medication.
Ms Adams' defiance has also been good for Memorial Sloan- Kettering. She has been an eager research subject, and those, I was surprised to learn, are in short supply.
Dr Scott Ramsey of the Fred Hutchinson Cancer Research Centre in Seattle cited a study showing that only 3 per cent of adult cancer patients who are eligible to enrol in clinical trials do so, and, he said, their reluctance has been "a huge bottleneck in cancer research". Some 40 per cent of clinical trials fail to get the minimum enrolment.
Ms Adams has been a cheerleader for cancer research in general and Memorial Sloan-Kettering in particular. In fact, she has implored followers to contribute to a research fund set up at the hospital in her name, and has raised about US$50,000 (S$64,000) so far.
"We love it!" Memorial Sloan-Kettering tweeted last week about the Lisa Adams phenomenon. "An important contribution to cancer patients, families, and clinicians! :)"
Beyond that, whether her campaign has been a public service is a more complicated question.
"I am public about this disease in order to shed light on the daily lives of women living with this diagnosis rather than hiding behind the pink party line that is the only one that gets the spotlight," she told me in an e-mail.
(The ubiquitous pink ribbon breast cancer campaigners have been faulted for overselling the wonders of early detection and giving short shrift to research.)
Her digital presence is no doubt a comfort to many of her followers. However, as cancer experts I consulted pointed out, Ms Adams is the standard bearer for an approach to cancer that honours the warrior, that may raise false hopes and that, implicitly, seems to peg patients like my father-in-law as failures.
Dr Steven Goodman, an associate dean of the Stanford University School of Medicine, cringes at the combat metaphor, because it suggests that those who choose not to spend their final days in battle, using every weapon in the high-tech medical arsenal, lack character or willpower.
"I'm the last person to second-guess what she did," Dr Goodman told me, after perusing Ms Adams' blog.
"I'm sure it has brought meaning, a deserved sense of accomplishment. But it shouldn't be unduly praised. Equal praise is due to those who accept an inevitable fate with grace and courage."
NEW YORK TIMES

Saturday, January 11, 2014

Lots of room for improvement at 'retirement resort' at Bukit Timah (Comparisons made with other such developments in the West)

Published on Jan 12, 2014
 

Lots of room for improvement at 'retirement resort'


 
 
Interest in Singapore's lukewarm property market heated up in the New Year as showflats of what is being billed as the first "retirement resort" opened for previews last weekend.
First off the block after a 20-year debate on whether Singapore should have retirement communities, The Hillford in Upper Bukit Timah comes with plenty of promise.
Developer World Class Land says the 281 units will have elder-friendly features such as emergency alarm systems in bedrooms and bathrooms linked to a 24-hour concierge service counter. A full-time "resort manager" will coordinate activities such as yoga and art or enrichment classes for residents.
It promises a staggering list of more than 30 recreational facilities and spaces, including swimming pools, a reading lounge, fitness corner, gym and theatrette. Residents will also have access to clinics, restaurants and an eldercare centre.
The development is likely to go on sale next weekend.
But before opening their chequebooks, older buyers must carefully consider the details about this project that may well be glossed over by the sharp-suited men and women hired to sell this golden retirement dream.
For starters, although The Hillford bills itself as "Singapore's first retirement resort", it has no age restrictions on ownership or occupancy. In Europe, Australia and the United States, most such developments tend to be restricted to seniors above a certain age.
Asked about this, the developer told The Sunday Times it would give potential buyers "flexibility" and it was "only natural - given our Asian context - for families to want to stay together".
Indeed, there are a small number of two-bedroom "dual key" units which will enable parents to live with their adult children.
Older folk like Ms Cecilia Ng, who is in her late 50s, say in that case, The Hillford should at least have had a provision for the majority of occupants to be seniors. "With no age bars, the very purpose of a retirement village is in danger of being compromised," said the retired school principal, who has visited an age-restricted community for seniors in the US.
Retirement housing remains a niche development overseas, with only 10 per cent to 15 per cent of older adults interested in living in them. Residents tend to be single or widowed, or to not have or to not want their children to live with them.
So it could be argued that the real reason there is no age restriction at The Hillford is to enable the developer to sell units as fast as possible and offset what have been seen as early sticking points: the price of the units and the fact that the development has a 60-year lease. Other private properties here are freehold or come with a 99-year lease.
Current prices start at $388,000 for a one-bedroom 398 sq ft unit, which, given the limited lease period, is considered steep by many retirees.
But young buyers, some of whom have been priced out of the condo market after curbs on shoebox units, may find the price attractive and buy a unit, given its rental and investment potential and proximity to good schools. Indeed, potential buyers in their early 30s with young children in tow have appeared on national television extolling the virtues of having good schools nearby.
A second issue is that there is no guarantee that all the senior-friendly services being advertised now will indeed see the light of day.
In the West and in Australia, retirement villages are often operated by aged care companies. The Hillford is being built by a property developer, albeit with input from an experienced Australian retirement housing expert.
Traditionally, aged care companies have care staff who work with residents long-term to meet their evolving physical and emotional needs. Some of these companies even buy back units or help heirs to sell them when the resident dies.
Property developers, on the other hand, tend to build, sell and get out. So as with any other condominium in Singapore, The Hillford's management will eventually be handed over to a management corporation strata title (MCST) committee. Comprising residents, it will have veto power over services and facilities in the condominium. In theory, if the majority of buyers are young, they could nix support services for the old.
The developer says the property has been positioned for active, independent seniors aged 50 and above, and that a "substantial proportion" of those interested in buying comes from this target segment. A spokesman said it "does not expect the MCST to make any drastic changes to the property".
Still, there are no guarantees. In countries such as Australia and New Zealand, retirement village developments are legally bound to continue providing the core benefits and services promised to the elderly resident in his occupation agreement.
So if a developer promises a 24-hour concierge service, for instance, this cannot be done away with simply because a majority of the younger residents do not want to pay for it.
Finally, there is also some apprehension over the fact that The Hillford aims to cater to "independent and active" seniors. Indeed, the design of the showflats is not in sync with the safety needs of frail elderly. The marble living room floor, for instance, is a slipping hazard.
There are some obstacles for wheelchair-users too, such as the small step to enter the bathroom, the lack of a shower bench and no grab bars - although the latter can be added on request. The shower area has a glass panel, blocking wheelchair access.
As a journalist covering ageing issues, I have visited more than a dozen retirement communities in Europe and the United States and spoken to those who run similar developments in Australia.
The latest trends in retirement housing lean towards communities which cater not just to an older person when he is independent, but also as he becomes frail and infirm.
Residents can continue living in the same unit even when they lose mobility, if cared for by trained care staff. There are no such provisions here. These are issues developers of retirement villages here will need to consider.
But these shortcomings of The Hillford cannot take away from the fact that its developers have dared to go where none has gone before despite the growing clamour for more retirement housing options.
Imperfect it may be but it is a start to fulfilling a demand that was first voiced nearly two decades ago.

Saturday, January 4, 2014

Insurance premiums to consider when retired


Health coverage: Are you overinsured?

Many who buy top plans may face cash crunch as premiums shoot up in later years

 
 
Many Singaporeans complain about paying high premiums for health insurance plans, especially after last year's rather steep rise in premiums, with some premiums more than doubling.
But what most of them don't realise is that they are probably forking out such high premiums because they have over-insured themselves and are paying for a level of insurance they are unlikely to need.
Today, more than two million Singaporeans and permanent residents are paying for higher medical insurance coverage than offered by the basic MediShield. They are on Integrated Shield Plans or IPs, which ride on the basic MediShield, but offer higher payouts based on private hospital rates or the equivalent of being treated as private patients in a public hospital.
This is good since the basic insurance is pegged at subsidised B2 and C class rates and will not offer enough coverage for those opting for a higher ward class, such as B1 or A class in a public hospital.
What is surprising, however, is that more than half of those on IPs, or 34 per cent of all Singaporeans and permanent residents covered by MediShield, have opted for the most expensive plans - those pegged at treatment in private hospitals. This does not reflect the actual usage of hospital care today, with less than 20 per cent of local residents opting for private hospitals and the rest going to a public hospital.
Do one in three Singaporeans require private hospital medical insurance when fewer than one in five are treated at private hospitals?
Why do so many buy insurance plans they are unlikely to use?
They do so partly because it is easier to downgrade a health insurance plan than to upgrade. Four of the five insurers - NTUC Income, Great Eastern, AIA and Aviva - have plans in all three IP categories. Prudential no longer offer IPs for public hospital B1 wards.
Also many buy into the plans when they are young and when the premiums are highly affordable. Up to the age of 49, Medisave can fully cover the premiums charged for these private plans, so policyholders do not feel the pinch of out-of-pocket payments
But from age 50 onwards, policy holders will have to top up their premium payments in cash, as the premiums all exceed the $800-a-year cap for premiums paid with Medisave. Each year, up till the official retirement age of 62, they will need to top up their premium payments with cash amounting to several hundred dollars. But again, as many are still working, the amounts appear affordable.
But beyond the age of 62, premiums rise steeply, averaging $4,000 a year for those aged 75. The highest premium currently charged, at the age of 100, is $8,483 a year.
Today, on average, men can expect to live to the age of 80 and women 84.5 years. A man aged 65 in 2012 can expect to live to the age of 83.5 years and a woman to 86.9 years. And life expectancy is still going up.
Already, there are more than 10,000 people aged 90 years and older and close to 1,000 who have passed the century mark.
Based on current premiums, people on private hospital plans will need to pay between $120,000 and $180,000 in premiums for those 30 years after retirement, depending on which insurer they are with.
Unless they buy riders, which pay for the portion of their hospital bill which they will still need to pay in spite of insurance, they will also need to pay thousands, perhaps even tens of thousands of dollars, for their hospital treatment.
Riders which start at about $30 a year for children, go up to about $2,000 a year for seniors.
The actual amount people will need to put aside is likely to be far higher, as health inflation has always been higher than general inflation, and premiums will rise as cost of medical treatments goes up.
So those who opt for insurance pegged at treatment in private hospitals must ask this basic question: Can they afford the thousands of dollars in premium payments in their post-retirement years?
Different people have different priorities, as well as different levels of savings. After doing my maths recently, I've decided to downgrade my medical insurance plan.
One reader wrote to me to say that she opted for the top plan, and pays extra for a rider, so she will not need to pay any out-of-pocket expenses should she need to be hospitalised. She said: "Even though the premium and rider are costly, I am determined to continue with my plan for as long as I can. In the worst-case scenario, I am willing to cut down on my transport and food to service my plan, including the rider."
She has considered her options and made her choice. But not many people have given as much thought to their IPs.
I prefer to downgrade and spend more on living healthily and getting regular health screening to stay healthy and out of hospital.
And should I fall seriously ill in my old age, I will turn to public hospitals, which have excellent doctors and whose bills I can probably afford on my downgraded health insurance plan.
facebook.com/ST.Salma
Published on Jan 05, 2014 

Keeping active every day as a senior

Published on Jan 05, 2014
 

Keeping active every day

 
 
Miss Ng Suan Eng is one busy retiree. The 67-year-old goes out for lunch every day, plays host to international students, volunteers at a dog welfare group and travels a few times a year.
Miss Ng, who is single and lives with a maid and two dogs since her mother died in 1996, said: "There's not a day that I'm at home, unless I'm sick. Every day I would find something to do. I just can't stay still."
The retired deputy director of students affairs at the National University of Singapore is a firm believer in keeping herself active. "I believe when you feel lonely and depressed, your body functions slowly shut down."
She is close to her five surviving siblings, whom she meets regularly. She also has different groups of friends, with whom she does a range of activities from dining to hiking.
Having picked up scuba diving when she was 42, she goes on diving trips at least once a year.
Every semester, she hosts two or three international students studying here, introducing them to the country and mentoring them.
"Sometimes I feel lonely when no one is free for lunch or to watch a movie," she said. "But I get out of it very quickly by finding something to do."
When she has nothing on, she spends her time surfing the Web or editing videos of her holidays, family and friends.
She is now writing "the story of her life", including her family's history and her parents' romance, for her loved ones to read.
The two stray mongrels she adopted, Chu Chu and Mei Mei, bring her much joy. "They love me unconditionally and make me feel wanted," she said.
Theresa Tan

Loneliness shortens lifespan of the elderly

Loneliness shortens lifespan of the elderly

Living by themselves or with family made no difference to their life expectancy: Study

 
 
Loneliness does not just break hearts, it also significantly increases the risk of earlier death among Singapore's elderly.
And it does not matter if they live by themselves or with families as the risk of dying earlier is the same in each case, according to a nationally representative study of 5,000 seniors here on the ageing process.
"I thought living with your spouse or children would boost your life expectancy as you have someone to talk to and take care of you," said Associate Professor Angelique Chan of the Duke-NUS Graduate Medical School, who led the study, which was commissioned by the Ministry of Social and Family Development.
"But you can live with a big family and still feel very lonely. Or you could live alone but feel that you're wanted by family and friends."
Sharing the findings with The Sunday Times, she revealed how in 2009, she and a team of researchers started tracking 5,000 Singaporeans aged 60 and older. Through face-to-face interviews, the seniors were asked about their physical and mental health, family relationships, living arrangements and social networks, among other things.
To measure loneliness, questions such as how often they felt a lack of companionship or felt isolated from others were asked.
Two years later in 2011, the researchers revisited the seniors and found that 447 had died.
The data showed that those who said they were lonely in 2009 were more likely to have died by the end of 2011, said Prof Chan, who is writing a paper on the study.
This shows that feelings of loneliness hasten death "significantly", she added.
More men than women in the research said they were lonely. Living arrangements also had no effect on life expectancy.
Experts told The Sunday Times that the study mirrors research overseas which associated loneliness with earlier death and a decline in basic abilities such as walking.
Negative emotions, such as loneliness and depression, also increase the chances of infection, heart attack or stroke, said Duke-NUS Graduate Medical School dean K. Ranga Krishnan, who was not involved in the study here.
"Your entire body reacts when you feel down. When you feel lonely, you may not want to take medicine or take good care of yourself."
As to why more men than women said they were lonely, Tsao Foundation's Hua Mei Centre for Successful Ageing director Peh Kim Choo said that men tend to find it harder to share their feelings.
They also typically build their lives and identities around their jobs and their role as the family's breadwinner. When they retire, they might feel lost and alone.
Women, however, do not "retire" from their mothering and caregiving roles, she said, unless they fall ill.
Dr Reshma Merchant, a National University Hospital geriatrician, said many of her patients feel lonely despite living with their families as their spouse or close friends had already died.
She said: "They accept loneliness as part of the norm of being old."
With loneliness being linked with the risk of dying earlier, Dr Huang Wanping, senior clinical neuropsychologist at the Institute of Mental Health, believes it is crucial to focus more attention on the mental health of seniors.
To reduce loneliness, families can spend more time with their elders and encourage them to take part in activities, suggested the experts who were interviewed.
Retired cleaner Fan Ah Mai, 84, has never married, depends on government financial aid and lives alone in a one-room rental flat in Bendemeer. Yet Madam Fan, who was not interviewed for Prof Chan's study, is not lonely.
Every weekday, she goes to the Lions Befrienders Senior Activity Centre at the foot of her block to chat with friends and take part in exercise sessions and handicraft classes. Once a week, she helps to prepare meals for other seniors.
"I'm contented," she said.