The Ultimate Fitness Guide for Older Adults

It’s really important to stay fit and active as you get older, not least because it can stop you becoming overweight as well as reducing the risk of getting a number of different health conditions and chronic diseases. However, keeping fit when you are entering your later years is not always easy as your body naturally slows down and finds it harder to undertake physical exercise.

Luckily keeping active when you are older does need to mean running half marathons or going to a boot camp for the weekend. Instead, there are many different exercises and activities you can do which will help you maintain your physical fitness levels. These range from gentle exercise routines in the home to more strenuous activities such as running, swimming or cycling. Which type of exercise you choose is really down to you own personal capabilities and what you feel most comfortable doing. The really important factor is to remain as active as possible, regardless of what type of exercise you prefer.


Benefits of exercise for older adults

Regular exercise in later life can yield a whole host of different benefits which include :-

Weight loss – When you are older your metabolism slows down, making you more susceptible to putting weight on. Exercise is a great way to combat this and can help you maintain a healthy weight. A Health Survey carried out back in 2014 found the following proportions of older adults were overweight…

  • 78% of men aged 65 to 74
  • 80% of men aged 75 to 84
  • Over 70% of women aged 65 to 84.

Keep your heart healthy – Coronary heart disease or CHD is a major killer in the UK, with 14% of men and 10% of women dying each year from the disease.  However, those who take regular exercise are at a lower risk of developing CHD, as well as being less likely to develop heart disease high and high blood pressure (the latter of which is a commonly linked to having a Stroke).

Reduced risk of Cancer – According to data from Cancer research UK, around 25% of all deaths in the UK are from a form of Cancer. Physical exercise, although not a preventative measure can help reduce the risk, particularly when it comes to bowel, beast and womb related cancer.

Maintain well being and mental health – Exercise can also have psychological as well as physical benefits, such as maintaining a healthy state of mind and well being. It can also improve your overall mood as well as helping to relieve depression, something many older adults suffer from.

Reduce risk of dementia – Although not medically proven, many experts believe regular exercise can help reduce the risk of dementia. It is also argued that regular exercise can help those already with dementia as it can improve sleeping patterns as well as making individuals stronger and more flexible.

Improve social interaction – Exercising can also be a way for older adults to become more sociable, particularly if they partake in a group based exercise activity, such as a fitness class for example. Isolationism is a major problem for many older adults, particularly if a partner dies before them. Exercise can be a great way to stay active and engaged with others in the community as well as building up new friendships.

Maintain independence – Perhaps one of the most important benefits of regular exercise is it allows older adults to maintain their independence, something many older adults cherish above all else. Even gentle exercises can help avoid being reliant on others to help with mobility.

Reduce risk of type 2 Diabetes – Individuals who are overweight or obese are more likely to develop type 2 diabetes, something around 4 million people in the UK already have. Taking regular exercise as well as maintaining a healthy diet is an obvious way to prevent you becoming overweight and in turn will help to reduce your overall risk of getting type 2 diabetes.

Keeping bones strong- Exercise can also help prevent brittle bone disease (osteoporosis), a condition which many older people suffer from. In fact research has shown that osteoporosis in the primary reason why 50% of men and 20% of women aged over 50 will break a bone.


How to motivate yourself

There’s no getting away from it, for many of us, exercise can seem nothing but a chore. Below we have outlined some useful tips to help keep you motivated:-

Find something you enjoy – You are more likely to stick at something if you are enjoying it, so pick an exercise or activity you will actually like doing, rather than doing something purely for the sake of it. For example if you like music and dancing, join a Zumba class or,  If you like being in a team, why not join a running club?

Find a fitness buddy – Having an exercise partner or friend alongside you should help you stay motivated. It can also make the exercise or activity more of a social event rather than just a chore.

Set goals – Setting goals can be useful if you want to upscale the level of exercise you are undertaking. It’s not for everyone, but can be useful for those who want to measure and improve on your current fitness levels.

Get into the fitness habit – Nothing beats repetition like having a routine, so make sure you plan your exercise activity ahead. For example, getting your stuff ready the night before may help you with willing yourself into sticking with your routine.

Have a treat – Exercise and keeping fit does not mean you have to go cold turkey on life’s luxuries, so make sure you “treat” yourself now and again to some chocolate or a glass of wine, whichever is your preference!


Over 50’s Exercise Ideas

For most older adults low impact exercises will be the most suitable. (Low impact is defined as keeping one foot on the ground). Below we have listed the most popular actives for older adults to enjoy :-

Walking – one of the easiest ways to stay fit and healthy is to take regular, brisk walks. For those who really want to get into this, there is the option of finding a local walking club.

Walking football – For those who prefer a team activity an increasingly popular pastime in walking football. Age UK, the UK leading charity for older adults run a number of walking football clubs up and down the country.

Dance   Why not showcase your moves at a local dance class? There are many different styles of dancing to choose from including latino, salsa, ballroom as well as line dancing. Again, Age UK run dedicated dance classes for older adults

Pilates / Yoga – If you prefer something less strenuous then Pilates or Yoga maybe just for you. Most routines are done sitting or lying down and can help boost muscle strength. The website YogaClassNearYou allows you to find over 50’s Yoga classes in your local area.

Tai-Chi – This is an ancient Chinese activity which helps improve posture and balance as well as improving your overall mental well-being. It is practised by thousands of older adults across the world as in becoming increasingly popular in the UK

Zumba Gold – A lower intensity version of the popular activity Zumba, this routine is popular with older adults across the UK. Visit the official Zumba.com website to find a class near you.

Golf – Notwithstanding classic stereotypes about older people going down the golf club, golf is a great way to stay fit in later life. Dispelling another stereotype, it is also not just the preserve of older men as most clubs now admit both men and women.

Tennis– This is a great sport for those who like to be competitive in a one on one environment. Can often be weather dependent of course, but a great way to stay fit and active all the same.

Swimming – Another fantastic way to stay fit with most local swimming centres running dedicated sessions for older adults.


Easy to do stretches

If you find it difficult to get out the house or you just want some simple stretches to do in the home then check out the following routines :-

Squat to chair – Stand in front of a chair and keep your feet wide apart. Move your hips back and start to bend your knees without actually sitting down. Outstretch your arms forwards to help maintain your balance. Repeat a dozens times if you can.

Wall Push – Great for those who cannot get down to do press ups. Standing two feet or so away, place your hands flat against a wall, keeping them inline with your shoulders.Bend your elbows outwards and lift your heels as if you were doing a press up against the wall. Repeat up to 12 times.

Wall Angels – Stand with your back facing the wall and your arms positioned at a right handle. Start to move your hands up and down whilst trying to keep your back against the wall. Repeat a dozen times.

 

Quadriceps Stretch – Really simple, just stand at ease and then bend your knee backwards until you are holding onto one foot.You may find holding onto a chair or sideboard with your other hand will help you maintain your balance. Hold for 30 seconds and then release, repeat as you feel comfortable, then swap to the other foot.


Chair based exercises

These are perfect for older adults with limited mobility.

Ankle circles – Sit upright in a sturdy chair and then outstretch one leg, keeping the other foot on the foot.  Start to rotate your ankle in a circular movement.

Do 10 to 15 rotations on one leg and then swap to the other leg.

Heel Digs – Sit upright, place one foot flat on the floor. With the other foot, pull your toe towards you shin.Repeat 10 or 20 times, then swap to the other foot.

 

Arm Across body – Place your right arm diagonally across your left shoulder, then return your right arm to the sidearm of the chair.Repeat 10 to 15 times, then swap arms.

 

Arm back and forth – Again sitting up right, outstretch both hand forwards in front of you, then, move your hands back to the arm rest. Repeat 10 to 20 times.

 

Arm move with heel dig – This combines two of the previous routines. Place one hand on your opposite shoulder with your arm diagonally across your chest. At the same time dig one heel into the floor and move your toe towards our shin, keeping the other foot flat. Return your hand to the armrest. Repeat 10 to 20 times then swap arm/foot.

Neck rotation – Sit up right, looking forwards. Gently turn your head left 90 degrees, holding that position for 5 seconds, before slowly moving back to facing forwards. Repeat the same action to the right.


Lifestyle Exercises

It is important to note that not all exercise has to be a pre-planned activity or class. Many everyday routines can help with you maintain a healthy lifestyle. For example :-

Walking the dog – This will benefit you as well as the dog. Why not try a longer or different route, or chase the ball or stick in the park. The extra step will really help.

Childcare – Many over 50’s will confess this can be the most exhausting exercise of them all! Great for the body and mind, playing games with the grandchildren is a lovely way to stay fit and active.

Gardening – Enjoy the fresh air as well as a weed-free garden. Just be careful not to over do it when stretching down.

Take the stairs – Whilst it maybe tempting to get in a lift or escalator, merely by opting for the stairs you can help to improve your overall fitness levels.


Resources

Fitness Over 50 – An over 50’s fitness Guru
Move it or Lose it – Find local exercise classes for older adults
NHS fitness Classes -Find local fitness classes using the NHS search
NHS fitness guidelines for Older Adults – Find out how much exercise you should be doing
SAGA – Exercise & Fitness Guide – Useful guide to over 50’s fitness

Practical tips to help seniors back into the workplace

Getting back into work is something some seniors find difficult to achieve. Employers often have some outdated ideas about what older applicants may be capable of. They may worry that older workers will be overqualified, stuck in their ways or that their skills may be outdated. Unfortunately, ageism definitely exists in the world of work opportunities.

What benefits do older workers bring?

However, seniors bring many positive benefits to companies who employ them . For example, in general, older workers tend to be…

  • Dedicated
  • Punctual
  • Honest
  • Detail oriented
  • Focused

In addition, mature employees tend to have excellent communication skills, plenty of tact and diplomacy coupled with the ability to remain calm. They also bring a wealth of experience to companies and can be an excellent role model for younger workers. Finally, they are less likely to change jobs as often as younger workers, meaning that the time and money spent on training seniors will make good financial sense. These attributes mean considering older workers is a vital part of modern businesses and can contribute to the success and profits of a company.

How to increase your chances of getting back into work

Whether you are looking to return to your previous area of expertise or seeking new challenges and opportunities, follow these 10 tips to get a head start in the employment race.

Create a relevant resume  – While it is tempting to cram all your experience into your resume it is better to be clear and specific by tailoring each version of the resume to each individual job application. Don’t feel like you have to list every job you had since school or college. Instead focus on the last 10 or 20 years of relevant experience which will be enough to demonstrate your skills and abilities. Remember you do not have to put your date of birth on your resume.

If there is a significant gap in your work history, perhaps due to illness or raising a family, employers may wonder if you are ready to work again. In order to make sure they answer yes to this question, emphasize the positives such as areas where you have learned new skills. Perhaps you were on a committee, learned a language or instrument, or where studying or doing voluntary work during this time. Whatever the reason was you took time out of work, play up the positive benefits

Use age to your advantage  – Emphasize the benefits of your maturity. You have lots of experience and a wealth of knowledge as well as key attributes such as a good work ethic, dependability, wisdom, and organisational and communications kills. Make sure you emphasize these qualities and show evidence for them.

Show that you are tech savvy – Many employers worry that older workers will not be familiar with the latest technology. While this is obviously a ridiculous stereotype, it makes sense to show it is not the case for you. Emphasize your proficiency with commonly used programmes such as Microsoft Office and Excel, as well as any more specific to your profession. Provide evidence of using technology and if necessary, brush up on your skills.

Join Linkedin – Having an up to date LinkedIn profile can also help you showcase your skills and experience while also demonstrating you are au fait with technology. LinkedIn has more than 15 million jobs posted and 350,000 employers looking to hire, so it’s a great platform for finding a job. Use it to brand yourself and build a network.If you aim to work in an area where social media is important then having a great social media account can be very helpful. However, you need to commit to this. Having lots of bare profiles on a variety of platforms can look worse than having none. So, choose one or two and keep them interesting and up to date.

Finally on this section, be careful to avoid references to old, outdated systems or technology.

Keep up to date with professional developments –With a constantly changing workplace, it is essential to show that you are up to date with developments in your area. Subscribe to relevant publications or websites, go to conferences or take a training course to ensure you are up to speed.

Counteract the ‘overqualified’ stereotype – If you are applying for a job that is not as high flying as some you have had in the past, make it clear to the employer why this is. Explain that you are looking for a change of direction or a new challenge. Unfortunately, stating that a candidate is overqualified is one of the ways ageism can surface, so head this conversation off. This is also where tailoring your resume to each individual job can help as you can match your experience closely to the job title.

Another reason employers are wary of over qualified candidates is that they perceive them as stuck in their ways and resistant to change, so ensure you demonstrate being open to learning new things, perhaps by giving an example of a new role you have taken on in the past.

Tell them why you are worth the money – Employers may be concerned that more mature candidates will cost more to employ. If the question of pay rates comes up at an interview, be prepared to explain why you are happy to take a pay cut, or conversely, making it clear how your experience and skills will benefit the company and therefore warrant a higher rate.

Consider part time, temporary or voluntary employment – Older candidates have an advantage over younger workers in that they can sometimes consider part time work, contract work or even voluntary work. This can provide relevant experience to add to your resume as well as potentially leading to full time work with the company. Embrace the opportunities that temporary work offers to brush up on relevant skills in your field.

Voluntary work also provides an opportunity to give back to society and can be a fulfilling experience. Exploring the voluntary opportunities available in your area of expertise can also boost your confidence and wellbeing, which can often take a bashing from the recruitment process.

If you are looking for a career change, voluntary work gives you a chance to explore the options to find out if the profession is right for you as well as boosting your relevant skills.

Learn new skills – If you are out of touch with the developments in your profession or are looking to make a career change, then brushing up on your skills is key. As well as learning new skills by volunteering, you can also take advantage of the huge range of training opportunities and courses available.

There are courses on every possible topic available locally or online. For example, you can take professional development courses, or a diploma or degree online. Taking courses shows a willingness to learn and embrace the changing world of work, meaning employers are less likely to see you as stuck in your ways. You can find training and learning opportunities at your local library, job centers or local education college and many of these are free or subsidised.

Put yourself out there – Put yourself out there and build up a network of contacts to be in with a chance of interviewing for these jobs. If you have existing contacts in the industry, make sure you use them. In addition, take every opportunity to build your network by attending professional conferences as well as career fairs.

If you don’t currently have any contacts in the field you are looking to enter, you can still get the word out about your knowledge and skills. Find relevant groups on Linkedin and join group conversations that are taking place. Ask people for help and learn who the industry influencers are. Once you find a companies that interest you, email them your resume with a well written covering letter explaining that are looking for a employment opportunities in their industry. Speculative applications are always of interest to employers as it saves them paying recruiter fees.

How to prepare for interviews

Practice – Attending interviews can be a daunting prospect if you haven’t done them for a while. The key is to practice as much as possible. If you can, find a younger person who has some experience of interviewing and ask them to interview you and offer feedback. Recruitment consultants are often a good place to start.

Show how you can help the company – If you can turn your interview into a sample of what it would be like to work with you, then you will be a more memorable candidate. Use every opportunity to show how you can help the employer achieve their goals.

Leave your ego at the door – It can be tricky being interviewed by someone younger and with less experience than you. However, an interview is the perfect opportunity to show that you are comfortable working collaboratively with those around you no matter their age or experience. Avoid sounding like you always know best and try to come across as open and ready to learn.

Keep examples short and to the point – Avoid telling long stories about your past experiences. Keep examples short and succinct. Identify the challenge you faced, state the action you took and explain the results. Eliminate anything that does not help make your point. Practice these examples and try to make sure you answer any question in around 2-3 minutes.

General Advice – Whatever you have done in the past will have taught you skills that can be transferred to other roles. As well as paying attention to skills you have learned from previous jobs, look at other areas of life such as parenting, caring for an older relative or being active in societies and see what skills you have that would be relevant in the field you are considering. Remember,  it’s not just your previous employment which can teach you things as your life experience will have given you a wealth of knowledge and skills which can be of great benefit to potential employers.

Resources

The Ultimate Guide to UK Benefits (Updated for 2018)

It has been estimated that up to £20 billion of welfare benefits go unclaimed every year in the UK. This is money that individual’s and their families are entitled to but for whatever reason are not claiming.

Our guide (which has been updated for 2018) will help you find out what you could be eligible to claim and how to begin the claims process. We also outline how to launch an appeal, how to get emergency assistance, what do if you have not been paid your benefits plus a full list of useful contact numbers.

Useful Advice

How to make a claim
How to appeal a decision
If you have been sanctioned
How to appeal a decision
Payment problems
Emergency Assistance
Useful Numbers

In-depth guides to all UK benefits

Attendance Allowance
Armed Forces Independence Payment
Bereavement Allowance
Bereavement Payment
Bereavement Support Payment
Blind Persons Allowance
Budgeting Loans
Carer’s Benefits
Child Benefit
Child Tax Credit
Cold Weather Payment
Council Tax Reduction
Disability Living Allowance
Disabled Facilities Grants
Discretionary Assistance Fund
Discretionary Housing Payment
Employment and Support Allowance
Funeral Payments
Free School Meals
Guardian’s Allowance
Healthy Start Food Vouchers
Housing Benefit
Incapacity Benefit
Income Support
Industrial Injuries Disablement Benefit
Jobseeker’s Allowance
Local Housing Allowance
Local Welfare Assistance
Maternity Allowance
Pension Credit
Personal Independence Payment (PIP)
Reduced Earnings Allowance
Severe Disability Premium
State Pension
Statutory Adoption Pay
Statutory Maternity Pay
Statutory Paternity Pay
Statutory Sick Pay
Support For Mortgage Interest (SMI)
Sure Start Maternity Grant
Tax Credits
Universal Credit
War Pensions Scheme
Warm Homes Discount
Widowed Parent’s Allowance
Winter Fuel Payment
Working Tax Credit

What benefits and grants can older adults claim in 2018?

If you are getting older and find coping with the bills a struggle, the government may step into give you a helping hand with a range of benefits. A lot of older people don’t claim money they are entitled to because they are too proud to ask or do not know the money is there for the asking. Charity Age UK says around £3.5 billion earmarked as benefits to boost the income of over 65s goes unclaimed every year. If you have problems paying the bills, here’s a run down of government money you could claim to make life a little easier.

Don’t forget, you qualify for some by age, while others depend on your income and savings.

Getting around

Getting around when you are older can be tricky if you have a disability, illness or poor eyesight. Some councils and local charities run free rides to hospitals, clinics and day centres, but if you live in a rural community, simply getting to the shops can be a major logistical exercise. Most local authorities and transport operations offer discounts to older passengers, but the qualifying age can vary. Others only run their concessions at certain times of the year.

  • Buses – Contact your local council for details of any concessions in your area.  
  • Trains – A senior railcard for the over 60s costs £30 and offers a 30% discount off local and national train fares. A three-year railcard costs £70. 
  • Coaches – Companies don’t offer a national scheme, but some operators give senior discounts. National Express has a coach card giving a third off fares for £10.
  • London Freedom Pass – Only available for Londoners, a London Freedom Pass gives free travel on all rail, bus, Tube and river transport services in the capital for anyone who has reached the state pension age for women (66 years old from October 2018). 

For 60-year-olds, an Oystercard also gives free travel on Transport for London services (Bus and Tube) 

Paying the bills

A range of government and local council benefits can help the elderly struggling to pay day-to-day living costs. Most are means and age tested, which mean qualification depends on how old you are and how income and money in the bank you might have.

State pension top-ups

  • Pension credit boosts the weekly income of some pensioners in two ways:
  • Guarantee Credit is extra money for pensioners whose state pension is less than a certain level.
  • Savings Credit is another top-up who have saved in a pension but still have a low amount of money to live on.

What you get is listed in the table below – but don’t forget Savings Credit is only paid to those reaching state pension age before April 6, 2016, when the new flat-rate state pension started.

Your circumstancesGuarantee Credit per weekSavings Credit per week
Single peopleTop up to £159.35Up to £13.20
CouplesTop up to £243.25Up to £14.90

Source: Department of Work and Pensions

Find out more about Pension Credit top-ups

Council Tax Support

Council Tax discounts vary from council to council. Some offer none, while others offer savings depending on age, income and a home’s council tax banding.

Sometimes, Council Tax cuts go together with receiving other benefits, such as the Guarantee Credit top-up with Pension Credit, so it’s always worth checking with your local council to see what’s available.

Check to see if your local authority offers a Council Tax discount

Housing benefit

If you pay rent, have a low income or claim benefits and do not have more than £16,000 in savings, you could claim housing benefit.

Pensioners receiving Pension Credit Guarantee Credit are likely to have their entire rent paid.

Homeowners cannot claim housing benefit but can seek a loan under the Support for Mortgage Interest (|SMI) scheme.

More about claiming Housing Benefit and Support for Mortgage Interest

Help with heating costs

  • The government pays two sums out to help pensioners meet their heating bills during the winter.
  • The Winter Fuel Payment depends on your age and if you live with someone or claim benefits.
  • The payment is automatic, tax-free and does not impact other benefits.

Check what you can claim on the table below:

CircumstanceBorn between 25 September 1937 and 5 August 1953Born on or before 24 September 1937
You qualify and live alone (or none of the people you live with qualify)£200£300
You qualify and live with someone under 80 who also qualifies£100£200
You qualify and live with someone 80 or over who also qualifies£100£150
You qualify, live in a care home and don’t get certain benefits£100£150

Source: Department of Work and Pensions

The payment is adjusted if you or your partner claim pension credit, income-based job seeker’s allowance (JSA), income related employment support allowance (ESA) or income support.

Use the table below as a guide:

CircumstanceBorn between 25 September 1937 and 5 August 1953Born on or before 24 September 1937
You qualify, get one of the benefits and live alone (or none of the people you live with qualify)£200£300
You qualify and live with someone who also gets one of the benefits£200 - only one of you will get the payment£300 - only one of you will get the payment
You qualify, live in a care home and get one of the benefitsNILNIL

Source: Department of Work and Pensions

The Cold Weather Payment is on top of the Winter Fuel Payment and is only paid if you receive certain benefits.

If you qualify, the payment is £175 for each period between November 1 and March 31 when your local temperature has fallen to zero centigrade or lower for seven days in a row.

Find out more about the Winter Fuel Payment and Cold Weather Payment

Health and living support

It’s an unfortunate fact of life for many of us that as we get older, our bodies are not as healthy and reliable as they used to be. The government recognises this with several concessions offered through the National Health Service.

  • Prescriptions – Prescriptions are free for the over 60s across England and Wales – although all prescriptions are free for everyone living in Scotland, Wales or Northern Ireland anyway.
  • Eyesight tests – Everyone over 60 is entitled to a free sight test and may qualify for discounts on some glasses and contact lenses.
  • Dental treatment – Anyone receiving Pension Credit Guarantee Credit can claim free dental care

Find out more about NHS help with health costs

Attendance Allowance

Attendance Allowance is a payment towards the cost of a carer looking after you.

The amount varies, depending on how much help you need.

Typical claimants are over 65-years-old who have a terminal illness or a long-term care need – which means for six months or longer.

Attendance Allowance is one of the few payments that is not means-tested, and the money does not have to go to a carer, which means you can claim if your partner or a friend or relative is looking after you.

Find out more about claiming Attendance Allowance

Carer’s Allowance and the State Pension

Carer’s Allowance pays for someone who looks after you for at least 35 hours a week. The carer can be a partner, relative, friend or a professional carer.

Unlike Attendance Allowance, this payment is taxable and may affect other benefit claims you make.

Find out more about claiming Carer’s Allowance

TV and radio

A free TV licence is an age-related entitlement that kicks in when you or someone in your household is 75-years-old. The licence is not automatic – you must apply for one.

Applying for an over-75s free TV licence

Help when someone dies

Bereavement benefits changed in April 2017, when the Bereavement Payment was scrapped in favour of the new Bereavement Support Payment and the Widow’s pension became the Bereavement Allowance.

Funeral Expenses Payment

If you claim Pension Credit or Housing Benefit you can probably claim the £700 Funeral Payment should your partner die. The money must go towards the cost of the funeral, including flowers, cremations fees and the price of a coffin.

The money must be repaid from the deceased’s estate within three months.

More about the Funeral Expenses Payment

Bereavement Support Payment

This is a one-off £2,500 payment – topped up to £3,500 if you have children living with you – plus a payment of £100 a month for 18 months.

Bereavement Allowance

Bereavement Allowance is paid weekly for a year after your partner dies. The payments depend on age and your partner’s national insurance contribution record. 

Find out more about bereavement payments

Emergency Support

In times of financial crisis there are a number of avenues you may want to explore…

  • Short term advances – If you are waiting for your first benefit payment for the State Pension, Pension Credit or Carer’s allowance then you maybe able to apply for a short term advance. Repayments will be deducted from your benefit payments once you start receiving them.
  • Local Council – Your local council maybe able to help as there are various assistance schemes you can enquire about. These vary from providing products, services to vouchers and in some cases cash payments.
  • Charities – There are a number of charities who may be able to help you, although you may have to demonstrate that you were unable to get a benefit advance or support from your local council. Use charity search to find a list of relevant charities that may be able to help.

Food Banks Guide

There is a network of local food banks that are administered by the Trussell Trust, a UK registered charity . Visit their Food Bank Finder tool to find your local food bank.

You should note that in order to collect food you will need to have been referred to the food bank and have been issued with a food bank voucher. Referring agencies include Citizens Advice Bureau, social workers, housing associations and local health practitioners.

There is also a network of independent food banks across the UK. Find out more on these and their individual qualifying criteria by visiting the FoodAidNetwork website.

The Ultimate Fitness Guide for Seniors

It’s really important to stay fit and active as you get older, not least because it can stop you becoming overweight as well as reducing the risk of getting a number of different health conditions and chronic diseases. However, keeping fit when you are entering your later years is not always easy as your body naturally slows down and finds it harder to undertake physical exercise.

Luckily keeping active when you are older does need to mean running half marathons or going to a boot camp for the weekend. Instead, there are many different exercises and activities you can do which will help you maintain your physical fitness levels. These range from gentle exercise routines in the home to more strenuous activities such as running, swimming or cycling. Which type of exercise you choose is really down to you own personal capabilities and what you feel most comfortable doing. The really important factor is to remain as active as possible, regardless of what type of exercise you prefer.


Benefits of regular exercise for seniors

Regular exercise in later life can yield a whole host of different benefits which include :-

Weight loss – When you are older your metabolism slows down, making you more susceptible to putting weight on. Exercise is a great way to combat this and can help you maintain a healthy weight. A Health Survey carried out back in 2014 found the following proportions of older adults were overweight…

  • 78% of men aged 65 to 74
  • 80% of men aged 75 to 84
  • Over 70% of women aged 65 to 84.

Keep your heart healthy – Coronary heart disease or CHD is a major killer in the US. However, those who take regular exercise are at a lower risk of developing CHD, as well as being less likely to develop heart disease high and high blood pressure (the latter of which is a commonly linked to having a Stroke).

Reduced risk of Cancer – Physical exercise, although not a preventative measure can help reduce the risk, particularly when it comes to bowel, beast and womb related cancer.

Maintain well being and mental health – Exercise can also have psychological as well as physical benefits, such as maintaining a healthy state of mind and well being. It can also improve your overall mood as well as helping to relieve depression, something many older adults suffer from.

Reduce risk of dementia – Although not medically proven, many experts believe regular exercise can help reduce the risk of dementia. It is also argued that regular exercise can help those already with dementia as it can improve sleeping patterns as well as making individuals stronger and more flexible.

Improve social interaction – Exercising can also be a way for older adults to become more sociable, particularly if they partake in a group based exercise activity, such as a fitness class for example. Isolationism is a major problem for many older adults, particularly if a partner dies before them. Exercise can be a great way to stay active and engaged with others in the community as well as building up new friendships.

Maintain independence – Perhaps one of the most important benefits of regular exercise is it allows older adults to maintain their independence, something many older adults cherish above all else. Even gentle exercises can help avoid being reliant on others to help with mobility.

Reduce risk of type 2 Diabetes – Individuals who are overweight or obese are more likely to develop type 2 diabetes, something that over 30 million people in the US already have. Taking regular exercise as well as maintaining a healthy diet is an obvious way to prevent you becoming overweight and in turn will help to reduce your overall risk of getting type 2 diabetes.

Keeping bones strong- Exercise can also help prevent brittle bone disease (osteoporosis), a condition which many older people suffer from. In fact research has shown that osteoporosis in the primary reason why 50% of men and 20% of women aged over 50 will break a bone.


How to motivate yourself

There’s no getting away from it, for many of us, exercise can seem nothing but a chore. Below we have outlined some useful tips to help keep you motivated:-

Find something you enjoy – You are more likely to stick at something if you are enjoying it, so pick an exercise or activity you will actually like doing, rather than doing something purely for the sake of it. For example if you like music and dancing, join a Zumba class or,  If you like being in a team, why not join a running club?

Find a fitness buddy – Having an exercise partner or friend alongside you should help you stay motivated. It can also make the exercise or activity more of a social event rather than just a chore.

Set goals – Setting goals can be useful if you want to upscale the level of exercise you are undertaking. It’s not for everyone, but can be useful for those who want to measure and improve on your current fitness levels.

Get into the fitness habit – Nothing beats repetition like having a routine, so make sure you plan your exercise activity ahead. For example, getting your stuff ready the night before may help you with willing yourself into sticking with your routine.

Have a treat – Exercise and keeping fit does not mean you have to go cold turkey on life’s luxuries, so make sure you “treat” yourself now and again to some chocolate or a glass of wine, whichever is your preference!


Seniors Exercise Ideas

For most older adults low impact exercises will be the most suitable. (Low impact is defined as keeping one foot on the ground). Below we have listed the most popular actives for older adults to enjoy :-

Walking – one of the easiest ways to stay fit and healthy is to take regular, brisk walks. For those who really want to get into this, there is the option of finding a local walking club.

Walking football – For those who prefer a team activity an increasingly popular pastime in walking football.

Dance   Why not showcase your moves at a local dance class? There are many different styles of dancing to choose from including latino, salsa, ballroom as well as line dancing. s

Pilates / Yoga – If you prefer something less strenuous then Pilates or Yoga maybe just for you. Most routines are done sitting or lying down and can help boost muscle strength.

Tai-Chi – This is an ancient Chinese activity which helps improve posture and balance as well as improving your overall mental well-being. It is practised by thousands of older adults across the world as in becoming increasingly popular in the US.

Golf – Notwithstanding classic stereotypes about older people going down the golf club, golf is a great way to stay fit in later life. Dispelling another stereotype, it is also not just the preserve of older men as most clubs now admit both men and women.

Tennis– This is a great sport for those who like to be competitive in a one on one environment. Can often be weather dependent of course, but a great way to stay fit and active all the same.

Swimming – Another fantastic way to stay fit with most local swimming centres running dedicated sessions for older adults.


Easy to do stretches

If you find it difficult to get out the house or you just want some simple stretches to do in the home then check out the following routines :-

Squat to chair – Stand in front of a chair and keep your feet wide apart. Move your hips back and start to bend your knees without actually sitting down. Outstretch your arms forwards to help maintain your balance. Repeat a dozens times if you can.

Wall Push – Great for those who cannot get down to do press ups. Standing two feet or so away, place your hands flat against a wall, keeping them inline with your shoulders.Bend your elbows outwards and lift your heels as if you were doing a press up against the wall. Repeat up to 12 times.

Wall Angels – Stand with your back facing the wall and your arms positioned at a right handle. Start to move your hands up and down whilst trying to keep your back against the wall. Repeat a dozen times.

 

Quadriceps Stretch – Really simple, just stand at ease and then bend your knee backwards until you are holding onto one foot.You may find holding onto a chair or sideboard with your other hand will help you maintain your balance. Hold for 30 seconds and then release, repeat as you feel comfortable, then swap to the other foot.


Chair based exercises

These are perfect for older adults with limited mobility.

Ankle circles – Sit upright in a sturdy chair and then outstretch one leg, keeping the other foot on the foot.  Start to rotate your ankle in a circular movement.

Do 10 to 15 rotations on one leg and then swap to the other leg.

Heel Digs – Sit upright, place one foot flat on the floor. With the other foot, pull your toe towards you shin.Repeat 10 or 20 times, then swap to the other foot.

 

Arm Across body – Place your right arm diagonally across your left shoulder, then return your right arm to the sidearm of the chair.Repeat 10 to 15 times, then swap arms.

 

Arm back and forth – Again sitting up right, outstretch both hand forwards in front of you, then, move your hands back to the arm rest. Repeat 10 to 20 times.

 

Arm move with heel dig – This combines two of the previous routines. Place one hand on your opposite shoulder with your arm diagonally across your chest. At the same time dig one heel into the floor and move your toe towards our shin, keeping the other foot flat. Return your hand to the armrest. Repeat 10 to 20 times then swap arm/foot.

Neck rotation – Sit up right, looking forwards. Gently turn your head left 90 degrees, holding that position for 5 seconds, before slowly moving back to facing forwards. Repeat the same action to the right.


Lifestyle Exercises

It is important to note that not all exercise has to be a pre-planned activity or class. Many everyday routines can help with you maintain a healthy lifestyle. For example :-

Walking the dog – This will benefit you as well as the dog. Why not try a longer or different route, or chase the ball or stick in the park. The extra step will really help.

Childcare – Many over 50’s will confess this can be the most exhausting exercise of them all! Great for the body and mind, playing games with the grandchildren is a lovely way to stay fit and active.

Gardening – Enjoy the fresh air as well as a weed-free garden. Just be careful not to over do it when stretching down.

Take the stairs – Whilst it maybe tempting to get in a lift or escalator, merely by opting for the stairs you can help to improve your overall fitness levels.


Resources

Centers for Disease Control and Prevention – Older Adults Fitness
How to prevent falls 
Senior Fitness
Senior Exercise Online
Silver Sneakers
National Institute on Aging – Exercise and Physical Activity

Practical tips to help older adults back into the workplace

Getting back into work is something some seniors find difficult to achieve. Employers often have some outdated ideas about what older applicants may be capable of. They may worry that older workers will be overqualified, stuck in their ways or that their skills may be outdated. Unfortunately, ageism definitely exists in the world of work opportunities.

What benefits do older workers bring?

However, seniors bring many positive benefits to companies who employ them . For example, in general, older workers tend to be…

  • Dedicated
  • Punctual
  • Honest
  • Detail oriented
  • Focused

In addition, mature employees tend to have excellent communication skills, plenty of tact and diplomacy coupled with the ability to remain calm. They also bring a wealth of experience to companies and can be an excellent role model for younger workers. Finally, they are less likely to change jobs as often as younger workers, meaning that the time and money spent on training seniors will make good financial sense. These attributes mean considering older workers is a vital part of modern businesses and can contribute to the success and profits of a company.

How to increase your chances of getting back into work

Whether you are looking to return to your previous area of expertise or seeking new challenges and opportunities, follow these 10 tips to get a head start in the employment race.

Create a relevant CV/resume  – While it is tempting to cram all your experience into your CV/resume it is better to be clear and specific by tailoring each version of the CV/resume to each individual job application. Don’t feel like you have to list every job you had since school or college. Instead focus on the last 10 or 20 years of relevant experience which will be enough to demonstrate your skills and abilities. Remember you do not have to put your date of birth on your CV/resume.

If there is a significant gap in your work history, perhaps due to illness or raising a family, employers may wonder if you are ready to work again. In order to make sure they answer yes to this question, emphasize the positives such as areas where you have learned new skills. Perhaps you were on a committee, learned a language or instrument, or where studying or doing voluntary work during this time. Whatever the reason was you took time out of work, play up the positive benefits

Use age to your advantage  – Emphasize the benefits of your maturity. You have lots of experience and a wealth of knowledge as well as key attributes such as a good work ethic, dependability, wisdom, and organisational and communications kills. Make sure you emphasize these qualities and show evidence for them.

Show that you are tech savvy – Many employers worry that older workers will not be familiar with the latest technology. While this is obviously a ridiculous stereotype, it makes sense to show it is not the case for you. Emphasize your proficiency with commonly used programmes such as Microsoft Office and Excel, as well as any more specific to your profession. Provide evidence of using technology and if necessary, brush up on your skills.

Join Linkedin – Having an up to date LinkedIn profile can also help you showcase your skills and experience while also demonstrating you are au fait with technology. LinkedIn has more than 15 million jobs posted and 350,000 employers looking to hire, so it’s a great platform for finding a job. Use it to brand yourself and build a network.If you aim to work in an area where social media is important then having a great social media account can be very helpful. However, you need to commit to this. Having lots of bare profiles on a variety of platforms can look worse than having none. So, choose one or two and keep them interesting and up to date.

Finally on this section, be careful to avoid references to old, outdated systems or technology.

Keep up to date with professional developments –With a constantly changing workplace, it is essential to show that you are up to date with developments in your area. Subscribe to relevant publications or websites, go to conferences or take a training course to ensure you are up to speed.

Counteract the ‘overqualified’ stereotype – If you are applying for a job that is not as high flying as some you have had in the past, make it clear to the employer why this is. Explain that you are looking for a change of direction or a new challenge. Unfortunately, stating that a candidate is overqualified is one of the ways ageism can surface, so head this conversation off. This is also where tailoring your CV/resume to each individual job can help as you can match your experience closely to the job title.

Another reason employers are wary of over qualified candidates is that they perceive them as stuck in their ways and resistant to change, so ensure you demonstrate being open to learning new things, perhaps by giving an example of a new role you have taken on in the past.

Tell them why you are worth the money – Employers may be concerned that more mature candidates will cost more to employ. If the question of pay rates comes up at an interview, be prepared to explain why you are happy to take a pay cut, or conversely, making it clear how your experience and skills will benefit the company and therefore warrant a higher rate.

Consider part time, temporary or voluntary employment – Older candidates have an advantage over younger workers in that they can sometimes consider part time work, contract work or even voluntary work. This can provide relevant experience to add to your CV/resume as well as potentially leading to full time work with the company. Embrace the opportunities that temporary work offers to brush up on relevant skills in your field.

Voluntary work also provides an opportunity to give back to society and can be a fulfilling experience. Exploring the voluntary opportunities available in your area of expertise can also boost your confidence and wellbeing, which can often take a bashing from the recruitment process.

If you are looking for a career change, voluntary work gives you a chance to explore the options to find out if the profession is right for you as well as boosting your relevant skills.

Learn new skills – If you are out of touch with the developments in your profession or are looking to make a career change, then brushing up on your skills is key. As well as learning new skills by volunteering, you can also take advantage of the huge range of training opportunities and courses available.

There are courses on every possible topic available locally or online. For example, you can take professional development courses, or a diploma or degree online. Taking courses shows a willingness to learn and embrace the changing world of work, meaning employers are less likely to see you as stuck in your ways. You can find training and learning opportunities at your local library, job centers or local education college and many of these are free or subsidised.

Put yourself out there – Put yourself out there and build up a network of contacts to be in with a chance of interviewing for these jobs. If you have existing contacts in the industry, make sure you use them. In addition, take every opportunity to build your network by attending professional conferences as well as career fairs.

If you don’t currently have any contacts in the field you are looking to enter, you can still get the word out about your knowledge and skills. Find relevant groups on Linkedin and join group conversations that are taking place. Ask people for help and learn who the industry influencers are. Once you find a companies that interest you, email them your CV/resume with a well written covering letter explaining that are looking for a employment opportunities in their industry. Speculative applications are always of interest to employers as it saves them paying recruiter fees.

How to prepare for interviews

Practice – Attending interviews can be a daunting prospect if you haven’t done them for a while. The key is to practice as much as possible. If you can, find a younger person who has some experience of interviewing and ask them to interview you and offer feedback. Recruitment consultants are often a good place to start.

Show how you can help the company – If you can turn your interview into a sample of what it would be like to work with you, then you will be a more memorable candidate. Use every opportunity to show how you can help the employer achieve their goals.

Leave your ego at the door – It can be tricky being interviewed by someone younger and with less experience than you. However, an interview is the perfect opportunity to show that you are comfortable working collaboratively with those around you no matter their age or experience. Avoid sounding like you always know best and try to come across as open and ready to learn.

Keep examples short and to the point – Avoid telling long stories about your past experiences. Keep examples short and succinct. Identify the challenge you faced, state the action you took and explain the results. Eliminate anything that does not help make your point. Practice these examples and try to make sure you answer any question in around 2-3 minutes.

General Advice – Whatever you have done in the past will have taught you skills that can be transferred to other roles. As well as paying attention to skills you have learned from previous jobs, look at other areas of life such as parenting, caring for an older relative or being active in societies and see what skills you have that would be relevant in the field you are considering. Remember,  it’s not just your previous employment which can teach you things as your life experience will have given you a wealth of knowledge and skills which can be of great benefit to potential employers.

Job Seekers Allowance

Job Seekers Allowance (JSA) is a benefit paid those who are able to work but are either not working at all, or are not in full time employment (less than 16 hours per week). There are two types of JSA, income-based and contribution-based.

Which type of Job Seekers Allowance can I apply for?

Contribution-based JSA

If your local JobCentre Plus calculate that you have made enough class one National Insurance contributions over the last two tax years then you will be entitled to claim contribution-based JSA. If you have been earning NI credits these will also count towards your overall contribution. You can claim contribution-based JSA even if your partner is employed or you have savings in the bank.

“New style” JSA

Certain individuals can apply for “new style” JSA, these include…

  • Single person’s living anywhere in Great Britain
  • Families or couples who live in an area where Universal Credit (UC) has been rolled out

This benefit works in a similar method to contributions-based JSA in that your partner’s savings and/or income are not considered when you make a claim. New style JSA can be claimed by itself but can also be paid along with UC. If your circumstances mean you fall into the latter category, your JSA payment will be deducted from your overall UC payment.

Income-based JSA

Unlike contribution-based JSA, Income-based JSA is calculated using your income and savings. Those individuals who fall into the following categories will get income-based JSA…

  • Work on average fewer than 16 hours per week
  • Your partner works less than 24 hours per week
  • You have less than £16,000 in savings

It should be noted you cannot get income-based JSA and UC at the same time.

Basic Eligibility Criteria

You have the option to apply for either a single or joint JSA application. Below are the two different criteria for each…

Single application

  • You are working fewer than 16 hour per week
  • You are looking for employment
  • You live in Great Britain
  • You are under state pension age
  • You are not enrolled in full-time education
  • You are fit and able to take up work

Joint application

  • One of you is aged over 18
  • You are both not responsible for any children
  • You are both aged over state pension age

If you have a partner

If you intend to make a claim and have a partner you should be aware that your partner must work fewer than 24 hours a week. Furthermore, if you jointly have over £16,000 in savings you will not be eligible to claim.

If you are self-employed

It is generally harder for self-employed people to claim contribution based JSA as they pay a different type of National Insurance (dependent on their annual income). However self-employed people can also make a claim for income-based JSA plus other benefits such as ESA and working tax credits.

If you are between 16 and 17

You may be able to get JSA if you are 16 or 17. Your local JobCentre Plus must approve the claim. Typically you will have to be living away from your parents, be a couple with children or been recently released from custody. If you think you are eligible, check out the guidance given to JobCentre Plus staff which should give you a better idea if you can claim.

If you are in full time education

Those in full time education will not be able to claim JSA. However, those who are enrolled on part-time courses may be eligible to claim depending on their individual circumstances.

How to apply

Before you start to make a claim for JSA, you need to check you are not living in an area where Universal Credit (UC) has been rolled out. This can be done using the gov.uk benefits calculator.

Ways to claim

The fastest way to make a new claim for JSA is to call JobCentrePlus on 0800 055 6688. Lines are open Mon to Fri (8am to 6pm)

Those who are eligible for new style JSA under the UC system must apply by phone. If you are classed as living in a “live service” UC area you should call 0345 600 0723 or alternatively if you are in a “full service” UC area you should call 0800 055 6688.

If you are not sure what type of UC area you are living in, the gov.uk website has a list of JobCentres where you can claim UC.

The interview Process

Once you have submitted a new claim for JSA, your local JobCentre Plus will contact you to arrange an interview at your local branch. It is a mandatory part of the application process that you attend this interview, as failing to do so will mean you cannot start to receive JSA payments, even if you qualify.

At the initial interview, you will meet with a personal adviser who will run over your application and help you to improve your chances of finding a job. These steps will then be documented in your Job Seeker Agreement contract which you must sign in order to start receiving payments. After this initial interview, you must attend regular review interviews every fortnight in order for your JSA payments to continue. When attending a review interview, you must be able to demonstrate that you have been actively seeking work and that you are still available to take up employment opportunities.

Rapid Reclaim

If you have claimed JSA within the last 26 weeks your new application process should be much quicker compared to new claimants. However, you will still need to attend another interview at your local JobCentre Plus. If you are reclaiming new style JSA you should either call the service centre (if you are in a “live service” area) or instead, make a claim online (if you are in a full service area)

How much will I get?

Contributions based JSA

Below are the maximum amounts you can claim. However, the exact amount you are awarded will be based on your individual circumstances. You will need to have made enough employee based NI contributions in the last two tax years in order to qualify. Those who are working part-time and/or have an occupational pension may get less. You are also only eligible to claim contributions-based JSA for upto six months after which you may be entitled to claim income-based JSA.

AgeWeekly payment
16 - 24£57.35
25 or over£72.40

Income based JSA

If you have not paid enough NI credits or you have a low income (or no income at all) you should claim Income based JSA. The amount you will get is worked out by the government who calculate a figure based on what they think you need to live on. They will take into account your personal circumstances and will typically look at the following criteria…

  • If you are living with someone or not
  • If you look after someone who has a disability (or you are disabled yourself)
  • If you have over £6,000 in the bank
  • If you have a mortgage
  • If you have other income streams

Below is a rate table showing the maximum amount you can claim.

StatusAge BracketWeekly payment
SingleUnder 25£57.35
Single25 or older£72.40
CouplesBoth 18 or over£113.70
Lone Parent18 or older£72.40
Lone ParentUnder 18£57.35

The gov.uk benefits calculator is a useful starting point to assess how much you might be entitled to.

Impact on other benefits

It should be noted that claiming JSA (including contributions based JSA) will count as income and could impact you entitlement to other welfare benefits or tax credits. The only exceptional to this is if you are getting your benefits topped up by income based JSA, Universal Credit or Pension Credit in which instance your contributions based JSA is ignored for housing benefit purposes.

Extra Financial Support (Premiums)

Premiums are available to those who require extra financial support…

  • Carer premium
  • Disability premium
  • Enhanced disability premium
  • Pensioner premium
  • Severe disability premium

Premiums should be paid automatically when you apply but if you are not receiving the extra money you should speak to your local JobCentre Plus.

Disregarded earnings and benefits

A small part of your earnings are “disregarded” when it comes to calculating income-based JSA. The deductions are as follows…

Single Person – £5.00 per week
Living with a partner – £10.00 per week

Lone parents OR those claiming the disability premium OR those claiming carers premium will have £20.00 disregarded.

Certain benefits are excluded from JSA calculations including child benefit, attendance allowance, disability living allowance, personal independence payment and armed forces independence payment.

What are sanctions?

With regard to JSA, a sanction would mean you have failed to fulfil the basic eligibility criteria, which is that are you are available and actively looking for employment. If it is adjudged you are not meeting this requirement then your local JobCentre Plus has the ability to sanction your payments, which would mean you would receive 40% less than your normal amount.

How to make an appeal

Appeals should be made to to the Social Security and Child Support Tribunal, see our full section of making an appeal.

Benefit Payment Problems

Benefit payments can stop for a variety of reasons. If you find your benefits have not been paid you need to ascertain the reason why this is as soon as possible.

Why have my benefits stopped?

There maybe a number of reasons why you have not received your benefit (s) payment (or they have been reduced or stopped). These could include…

  • You have been sanctioned
  • You made a mistake when applying
  • DWP have made a mistake when processing
  • You or a member of your family have been admitted to hospital

If you have been sanctioned

There maybe a number of different reasons why you have had your benefits sanctioned – see full section on Benefit Sanctions. In order to work out how best to deal with a benefit sanction, contact your local Citizens Advice Bureau.

You made a mistake when applying

If you think you the reason you have not received your benefit payment was because you made a mistake when applying you should contact the DWP immediately. Incorrect details such as submitting the wrong bank details could result in you not receiving your benefit payment (s).

You should also contact the DWP immediately if you believe you are receiving too much or too little with regard to each benefit you are claiming.

DWP made a mistake when processing

If you believe you are not getting your benefit payment because the DWP have made a mistake then you should contact them without delay. If there is a reason why you are not receiving your payment (such as being sanctioned or losing an appeal) then the DWP will always give written notification of this.

You or a family member have been admitted to hospital

In most cases if you have been in hospital for more than 28 days you will stop receiving payments for these benefits…

Disability Living Allowance
Personal Independence Payment
Attendance Allowance

Although there are some exceptions, so check with the relevant department of the DWP.

There are also a number of benefits that will continue even whilst you are in hospital. These include…

Incapacity Benefit
Basic State Pension
New State Pension
Bereavement Allowance
Widowed Parent’s Allowance
Industrial Injuries Benefit
Statutory Maternity Pay
Maternity Allowance
Statutory Sick Pay

Those who claim contributions based Employment and Support Allowance will get payments for up to 12 months

Those who claim contributions based Jobseeker’s Allowance will find it stops after two weeks or more of not being able to look for employment – but you could instead potentially claim ESA if this is the case

Those who claim Child Benefit will see their payments stopping if their dependent child is hospitalised for more than 84 days

What can I do?

If you are facing financial hardship due to not receiving a benefit payment (even if they have been stopped), then read our dedicated section on Emergency Assistance.