Heroes

Her husband's disease isn't covered by the VA. So she's sharing his story.

Alzheimer's disease can be brutal. Here's how one woman says we can help.

Her husband's disease isn't covered by the VA. So she's sharing his story.

“Everybody has to die, but I wanted to die after the kids grow up," Jim Garner says in a video from 2013.

That video, posted to the Daily Press website, was recorded three years after Jim was diagnosed with early-onset Alzheimer's disease. In the two years since, Jim's condition has continued to deteriorate, and he's lost the ability to speak or write.


The Garner family, Mother's Day 2015. All photos from Karen Garner, used with permission.

A 23-year veteran of the Air Force, Jim and his wife Karen hoped the VA would pay for the care he needs.

"And although Jim is a 23-year Air Force veteran and retiree, he does not qualify for any support from the VA that would pay for the care he needs," Karen wrote in a Facebook post about why her family was not celebrating Veterans Day this year.

Jim and Karen, December 2013.

The Department of Veterans Affairs provides care for Alzheimer's patients — but there are conditions.

Late last week, I spoke with Karen over the phone, and asked why the VA refused care for her husband.

After all, the VA website has this to say about Alzheimer's care:

"Care for Veterans with Alzheimer's or dementia is provided throughout the full range of VA health care services. Depending on the Veteran's needs, services may include home based primary care, homemaker and home health aide, respite, adult day health care, outpatient clinic, inpatient hospital, nursing home, or hospice care. Caregiver support is an essential part of all of these services."

Jim on his 50th birthday.

According to Karen, Jim was denied assistance because his diagnosis came after he retired in 2005.

Because Alzheimer's runs in Jim's family, it wasn't considered a service-related disease. And because Jim's diagnosis came after he'd retired in 2005 — and because their household income exceeded the threshold to receive assistance — Karen and Jim are on their own.

"When Jim and I got married 18 years ago, I envisioned a life of travel, raising our children, and eventually growing old together. Jim is the one growing old, right before my eyes, seemingly aging years in days."

And while that income threshold might make sense for someone without a family to care for, Jim and Karen have two children. Jim's care costs around $4,000 per month. He is no longer able to work, and Karen is in the uncomfortable position of trying to financially support their family and care for her husband at the same time. In a blog post from July 2015, Karen details her experience battling what she calls a "broken system."

The Garner family, December 2014.

Upworthy reached out to the VA for clarification on these requirements but have not heard back.

Karen is tired of fighting the VA, but she refuses to give up — for Jim or anyone else.

She wants to help others with Alzheimer's. It's why she's such an outspoken advocate for Alzheimer's care, having spoken to legislators, conferences, and the media about raising awareness and pushing for additional research around the disease.

Karen and Jim, 2008.

"When Jim and I got married 18 years ago, I envisioned a life of travel, raising our children, and eventually growing old together. Jim is the one growing old, right before my eyes, seemingly aging years in days. Our future life we dreamed of isn't going to happen," she wrote in her Facebook post on Veterans Day.

"Instead, I have spent our last few years fighting — fighting to get a diagnosis. Fighting to get disability. Fighting for research. Fighting for a cure. Fighting to get financial assistance. Fighting to get quality care from the VA or anyone else who offers it. Fighting to keep my family together and in peace. Fighting to pay for Jim's new home. It has been an exhausting war and I just try to win as many battles as I can while knowing we are far from being done."

Karen and Jim, 1998.

Stigma keeps a lot of people from opening up about Alzheimer's. Karen wants to change that.

It's part of the reason she's been tracking her family's journey at MissingJim.com over the past two and a half years.

"There are so many people who don't speak up about what it's like dealing with Alzheimer's, and I wanted to fight that stigma," she told me. To her, it's important to share her family's stories, even if they are sad.

The Garner family, Christmas Eve 2009.

Karen has four suggestions to change how we treat Alzheimer's patients.

First and foremost, we need to make sure family and caretakers have the resources they need. As mentioned above, Jim's care currently runs around $4,000 per month (nearly $50,000 per year). That's not something most families can realistically come up with.

Second, we need to simplify dealing with insurance companies or government agencies. Karen detailed the hours spent filling out paperwork and applying for assistance. This problem is not unique to Alzheimer's patients. As anyone who's had to navigate the bureaucracy involved with health care can confirm, it can all be discouraging — if not entirely overwhelming.

Third, we need to get serious about funding research. A report from the Alzheimer's Association paints a grim picture for the future of Alzheimer's research. As other diseases such as HIV, stroke, heart disease, breast cancer, and prostate cancer claim fewer lives, Alzheimer's deaths have been on the rise. It's the sixth-leading cause of death in America, and it receives just a fraction of research funding compared to cancer, heart disease, and HIV.

Finally, and this one comes from Jim, himself:

Jim, November 2015.

Let's start with that last one, OK? Let's share the stories of people like Jim and Karen. Let's fight stigma.

True

2020 was difficult (to say the least). The year was full of life changes, losses, and lessons as we learned to navigate the "new normal." You may have questions about what the changes and challenges of 2020 mean for your taxes. That's where TurboTax Live comes in, making it easy to connect with real tax experts to help with your taxes – or even do them for you, start to finish.

Not only has TurboTax Live helped millions of people get their taxes done right, but this year they've also celebrated people who uplifted their communities during a difficult time by surprising them with "little lifts" to help out even more.

Here are a few of their stories:


Julz, hairdresser and salon owner

"As a hairdresser and salon owner, 2020 was extremely challenging," says Julz. "Being a hairdresser has historically been a recession-proof industry, but we've never faced global shut down due to health risk, or pandemic, not in my lifetime. And for the first time, hairdressers didn't have job security."

Julz had to shut down her salon and go on unemployment benefits for the first time. She also had to figure out how she was going to support herself, her staff and her business during this difficult time. But many other beauty industry professionals didn't have access to the resources they needed, so Julz decided to help.

"My business partner and I began teaching basic financial literacy to other beauty industry professionals," she says. "Transitioning our business from behind the chair to an online academy was a challenge we tackled head-on so that we could move hairdressers into this new space of education, and create a more accessible curriculum to better serve our industry.

Julz connected with a TurboTax Live expert who helped her understand how unemployment affected her taxes and gave her guidance on filing quarterly estimated taxes for her small business. "I was terrified to sit at a computer and tackle this mess of receipts," Julz says, so "it was great to have some virtual handholding to walk me through each question."

In addition to giving Julz the personalized tax advice she needed, TurboTax Live surprised her with a "little lift" that empowered her to help even more beauty professionals. "When my tax expert Diana surprised me with a little lift, I was moved to tears," says Julz. "With that little lift, I was able to establish a scholarship fund to help get other hairdressers the education they deserve."


Alana, new mom

Alana welcomed her first child in 2020. "I think my biggest challenge was figuring out how to be a mom, with no guidance," she says. "My original plan was to have my mom by my side, teaching me the ropes, but because of COVID, she wasn't able to come out here."

She was also without a job for most of 2020 and struggled to find something new.

So, Alana took it as a sign: she decided to launch her own business so she could support her new baby, and that's exactly what she did. She started a feel-good company that specializes in creating affirmation card decks — and she's currently in the process of starting a second, video-editing business.

TurboTax Live answered Alana's questions about her taxes and gave her some much-needed advice as she prepared to launch her businesses. Thanks to their "little lift," they provided her with a little emotional support too.

"I got my mom a plane ticket to finally [have her] meet [my daughter] for her first birthday," Alana says. "I was also able to get a new computer," which helped her invest in her new business and work on her video editing skills. "It's helped my family and me so much," she says.


Michael, science teacher

When schools shut down across the country last year, Michael had to learn how to adapt to a virtual classroom.

"As a teacher, I had to completely revamp everything," he says, so that he could keep his students engaged while teaching online. "At the beginning, it was a nightmare because I had no idea. I had to go from A-Z within a couple of weeks."

Michael's TurboTax Live expert answered his questions about how working from home affected his taxes and helped him uncover surprising tax deductions. To top it all off, his expert surprised him with brand new science equipment and supplies, which allowed him to create an entire line of classes on YouTube, TikTok, Instagram, and Facebook. "Now I can truly potentially reach millions of children with my lessons," he says. "I would never have taken that leap if not for the little lift from TurboTax Live."



Ricky, motivational youth speaker

As a motivational speaker, Ricky was used to doing his job in person, but, he says, "when COVID-19 hit, it altered my ability to travel and visit schools in person [because] schools moved to fully virtual or hybrid models."

He knew he had to pivot — so he began offering small virtual group workshops for student leadership groups at middle and high schools.

"This allowed me to work with student leaders to plan how they would continue making a positive impact on their school community," he says. He wasn't sure how being remote would affect his taxes, but TurboTax Live Self-Employed gave him the advice and answers that he needed to keep more money in his pocket at tax time — and the little lift he received from them has helped him serve even more students.

"[It] has been a major blessing," he says "There will be multiple schools and student groups from across the country that I can hold leadership workshops with to empower them with the tools to be inspirational leaders in their school, community, and world."

Plus, he says, it was great knowing he had an expert to help him figure out how being remote affected his taxes. "I felt confident and assured in the process of filing my taxes knowing I had an expert working with me, says Ricky. "There were things my expert knew that I would not have considered when filing on my own."

Filing your taxes doesn't have to be intimidating, especially after a year like 2020. TurboTax Live experts can give you the "little lift" you need to get your taxes done. File with the help of an expert or let an expert file for you! Go to TurboTax Live to get started.

via Wikimedia Commons and Goalsetter

America's ethnic wealth gap is a multi-faceted problem that would take dramatic action, on multiple fronts, to overcome. One of the ways to help communities improve their economic well-being is through financial literacy.

Investopedia says there are five primary sources of financial education—families, high school, college, employers, and the military — and that education and household income are two of the biggest factors in predicting whether someone has a high level of financial literacy.

New Orleans Saints safety, two-time Super Bowl Champion, and social justice activist Malcolm Jenkins and The Malcolm Jenkins Foundation hope to help bridge the wealth gap by teaching students about investing at a young age.

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True

2020 was difficult (to say the least). The year was full of life changes, losses, and lessons as we learned to navigate the "new normal." You may have questions about what the changes and challenges of 2020 mean for your taxes. That's where TurboTax Live comes in, making it easy to connect with real tax experts to help with your taxes – or even do them for you, start to finish.

Not only has TurboTax Live helped millions of people get their taxes done right, but this year they've also celebrated people who uplifted their communities during a difficult time by surprising them with "little lifts" to help out even more.

Here are a few of their stories:


Julz, hairdresser and salon owner

"As a hairdresser and salon owner, 2020 was extremely challenging," says Julz. "Being a hairdresser has historically been a recession-proof industry, but we've never faced global shut down due to health risk, or pandemic, not in my lifetime. And for the first time, hairdressers didn't have job security."

Julz had to shut down her salon and go on unemployment benefits for the first time. She also had to figure out how she was going to support herself, her staff and her business during this difficult time. But many other beauty industry professionals didn't have access to the resources they needed, so Julz decided to help.

"My business partner and I began teaching basic financial literacy to other beauty industry professionals," she says. "Transitioning our business from behind the chair to an online academy was a challenge we tackled head-on so that we could move hairdressers into this new space of education, and create a more accessible curriculum to better serve our industry.

Julz connected with a TurboTax Live expert who helped her understand how unemployment affected her taxes and gave her guidance on filing quarterly estimated taxes for her small business. "I was terrified to sit at a computer and tackle this mess of receipts," Julz says, so "it was great to have some virtual handholding to walk me through each question."

In addition to giving Julz the personalized tax advice she needed, TurboTax Live surprised her with a "little lift" that empowered her to help even more beauty professionals. "When my tax expert Diana surprised me with a little lift, I was moved to tears," says Julz. "With that little lift, I was able to establish a scholarship fund to help get other hairdressers the education they deserve."


Alana, new mom

Alana welcomed her first child in 2020. "I think my biggest challenge was figuring out how to be a mom, with no guidance," she says. "My original plan was to have my mom by my side, teaching me the ropes, but because of COVID, she wasn't able to come out here."

She was also without a job for most of 2020 and struggled to find something new.

So, Alana took it as a sign: she decided to launch her own business so she could support her new baby, and that's exactly what she did. She started a feel-good company that specializes in creating affirmation card decks — and she's currently in the process of starting a second, video-editing business.

TurboTax Live answered Alana's questions about her taxes and gave her some much-needed advice as she prepared to launch her businesses. Thanks to their "little lift," they provided her with a little emotional support too.

"I got my mom a plane ticket to finally [have her] meet [my daughter] for her first birthday," Alana says. "I was also able to get a new computer," which helped her invest in her new business and work on her video editing skills. "It's helped my family and me so much," she says.


Michael, science teacher

When schools shut down across the country last year, Michael had to learn how to adapt to a virtual classroom.

"As a teacher, I had to completely revamp everything," he says, so that he could keep his students engaged while teaching online. "At the beginning, it was a nightmare because I had no idea. I had to go from A-Z within a couple of weeks."

Michael's TurboTax Live expert answered his questions about how working from home affected his taxes and helped him uncover surprising tax deductions. To top it all off, his expert surprised him with brand new science equipment and supplies, which allowed him to create an entire line of classes on YouTube, TikTok, Instagram, and Facebook. "Now I can truly potentially reach millions of children with my lessons," he says. "I would never have taken that leap if not for the little lift from TurboTax Live."



Ricky, motivational youth speaker

As a motivational speaker, Ricky was used to doing his job in person, but, he says, "when COVID-19 hit, it altered my ability to travel and visit schools in person [because] schools moved to fully virtual or hybrid models."

He knew he had to pivot — so he began offering small virtual group workshops for student leadership groups at middle and high schools.

"This allowed me to work with student leaders to plan how they would continue making a positive impact on their school community," he says. He wasn't sure how being remote would affect his taxes, but TurboTax Live Self-Employed gave him the advice and answers that he needed to keep more money in his pocket at tax time — and the little lift he received from them has helped him serve even more students.

"[It] has been a major blessing," he says "There will be multiple schools and student groups from across the country that I can hold leadership workshops with to empower them with the tools to be inspirational leaders in their school, community, and world."

Plus, he says, it was great knowing he had an expert to help him figure out how being remote affected his taxes. "I felt confident and assured in the process of filing my taxes knowing I had an expert working with me, says Ricky. "There were things my expert knew that I would not have considered when filing on my own."

Filing your taxes doesn't have to be intimidating, especially after a year like 2020. TurboTax Live experts can give you the "little lift" you need to get your taxes done. File with the help of an expert or let an expert file for you! Go to TurboTax Live to get started.