Internet is the Answer for Successful Social Distancing

Now especially, it is crucial to be prepared if you or someone in your family gets so sick they can’t make decisions about health care or finances. Banks, insurance companies, and medical providers will not listen to what another person says about what you need, not without up-to-date legal documents. But how are you, or […]

Social Security Disability Income: Understand the Benefits and Qualification

Anyone can become either temporarily or permanently disabled. Some projections are estimating that Americans in their 20s today have an approximate 30 percent chance of experiencing a disability profound enough to cause them to miss three or more months of work before retiring. Despite the risks, most Americans do not carry short or long-term disability […]

Telehealth During the COVID-19 Pandemic

Through the use of videoconferencing over wireless devices and remote health tech monitoring, telehealth can connect patients to vital health care services. According to the American Hospital Association (AHA), fully 76 percent of US hospitals are using some form of telehealth for their patient groups. During this COVID-19 pandemic, the federal government has freed up […]

Staying Mentally Sharp as You Age

Age comes with wisdom. Unfortunately, it also comes with some forgetfulness. Fortunately, there are things you can do to keep the brain sharp, small daily habits which can reduce the risk of cognitive decline. Four key factors in staying mentally sharp are explained below. Exercise Exercise is one such daily habit. It increases blood flow, […]

Take Steps in Planning for the Unexpected

The sudden rise of the coronavirus, COVID-19, has left many unprepared and confused. There are numerous reports of shortages of antibacterial hand sanitizer, disinfecting wipes, and even toilet paper. While we can’t predict when something like COVID-19 might strike, we can take steps to prepare for an unexpected crisis to help reduce the stress on […]

Baby Boomers in the 2020s

The baby boom generation is comprised of those Americans born 1946-1964, and according to the US Census Bureau (Bureau of Census), their numbers are estimated to be 73 million strong. This number represents nearly 20 percent of the American public. As they enter their 60, 70, and 80th decades, their influence will help to guide […]

The Concern of Gift Giving and Qualifying for Medicaid

Many seniors enjoy the opportunity to be generous to their children by gifting them monetarily. In certain circumstances, however, there is a real concern that people who may be in need of long-term nursing care in the near future should not give gifts. It can be complicated trying to adequately plan for long-term care and […]

New Options to Consider in Assisted Living

With changes in medicine, technology, and socioeconomics, it’s no surprise that that assisted living is changing, too. The rising cost of assisted living means that some families are looking to new alternatives, while those who consider traditional assisted living have new options to consider. In-Home Care Alternatives to assisted living include multigenerational housing and in-home […]

Leaving Well: Documenting Your Final Wishes

Contemplating our own death is one of the hardest challenges we will ever have to face. Yet, if we want our dying to be meaningful and merciful, it is imperative that we think about it while we still can. Most of us want to die at home, in a familiar and peaceful setting surrounded by […]

A Bill Paying Service Can Simplify Life for Seniors

If you are a senior or have a loved one who is struggling with the process of paying their household bills, Silver Bills can eliminate the task and alleviate the worry about proper handling of monthly bills. As many baby boomers continue to opt for aging in place, home administrative tasks can become difficult. Family members who […]

Memory Care Facilities and the Alzheimer’s Epidemic

Alzheimer’s is a chronic neurodegenerative disease typically with a long pre-clinical phase which gradually worsens. Initial symptoms are often mistaken for normal aging and include problems with language, mood swings, disorientation, loss of motivation, poor self-care and behavioral issues. There are no treatments to stop or reverse the disease progression. Alzheimer’s accounts for 60 to […]

Millennials Apprehensive About Social Security

When the US federal government established its social insurance program on August 14, 1935, its purpose was to provide retirement, disability, and survivors’ benefits. Since that time, in part due to the disappearance of extended family networks, an increase in population, and a profound increase in life expectancy, it has become challenging for the Social […]

A New Fraud Scheme that Involves Genetic Testing

An alert has been issued by the US Department of Health and Human Services Office of Inspector General about a fraud scheme that involves genetic testing. The warning is for Medicare beneficiaries across the nation, and the federal government is working with law enforcement to put an end to the schemes. Already charges against 35 […]

Avoiding the Need for a Silver Alert

Individuals who suffer from Alzheimer’s disease and other forms of dementia are prone to wandering. This is often caused by the decline in cognitive functioning and symptoms such as restlessness and confusion that are associated with this decline. The more these diseases progress, the more likely it is that the senior will wander. This wandering […]

Will Medicare Cover Long Term Care?

Most people understand that by paying into Social Security throughout their careers, they can receive health care benefits through Medicare starting at age 65.  Individuals under age 65 who qualify to receive Social Security Disability benefits are also covered under Medicare, as well as anyone of any age who has Lou Gehrig’s disease, known as […]

Simple Strategies to Save Money While Aging Well

Your senior years should not be plagued with money woes. The stress that money problems bring not only ruins your aging experience but can also be disastrous to your health. Rising health care costs and your increased need for health care can add up to big bills that can further tax your health. To age […]

Understand the Difference Between Estate Planning and Elder Law

While everyone needs estate planning, elder law becomes more important as we get older. Estate Planning is for Everyone No matter what age we’re in, life can deliver some hard knocks. Hope for the best, but plan for the worst. We can get into accidents, especially when we’re young and under the impression that we’ll […]

If You Experience a Medical Emergency, Which Hospital Will You Go To?

When you dial 911 for emergency medical services (EMS) your transport may route you to a hospital that is not near your home. While you have the right to ask to be transported to the hospital of your choice, either out of preference or to stay in your insurance network of doctors, you might not […]

Seniors are Being Affected by Data Breaches

Data breaches have been one of the hot topics this year in the wake of the Capital One data breach which compromised nearly 100 million Americans. But what hasn’t been receiving much major media coverage are the recent breaches affecting seniors. One such breach occurred last year in May, and that breach compromised the personal […]

Should You Rethink Your Retirement Portfolio?

Kiplinger.com is suggesting it is time to rethink your financial retirement portfolio. You may have built up a significant nest egg in a 401(k) plan, but it does come with serious baggage during your golden years. It is impossible to argue against the early stages of a 401(k) when employers match your contribution to the […]

Financial Options to Pay the High Cost of Assisted Living

Assisted living rent can vary from $2,000 to $5,000 monthly. Depending on what type of care your loved one needs, assisted living can be the most affordable solution when compared to a nursing home ($5,000 to $10,000 or more per month) or long-term in-home care. If closely monitored medical supervision is not necessary for your […]

Plan for the Future with Your Aging Parent

Your parent is getting on in age, but you don’t have a clear idea if there is a plan in place for their care.  It is a difficult topic to broach; no one wants to talk about death and the financial realities that come with aging. Instead of having a proactive conversation early in a […]

The Unique Financial Challenge Faced by the Aging Middle Class

As we age, simple things we took for granted as kids become more difficult — and more expensive. That’s a truth all of us know. What you may not realize is that the aging middle class will face unique difficulties going forward. The private market offers options for assisted living, but at a price too […]

The Success Story in Aging

Your aging is a success story. After all, when you think about the alternative to aging your perspective about getting older shifts. You should start seeking self-sufficiency for your retirement years well before the age of sixty-five. But, even if you have not done so, don’t shun the planning stages. You need to address planning […]

Why You Should Consider a Special Needs Trust for a Disabled Loved One

What is a Special Needs Trust? In general, a trust is created when property or assets are managed by a person or firm for another person’s benefit. The person or entity who manages the trust is known as the trustee and will be responsible for making decisions in the best interest of the person who […]

Steps for When You’ve Been Appointed Guardian of Property

Your grandfather, Steven, can no longer make decisions on his own. A court appoints you to be Steven’s guardian of property, to help Steven manage his money. You become Steven’s “fiduciary.” The law now requires you to act to a high standard of good faith and honesty. There’s a lot of work involved with guardianship, […]

Why You Should Engage in Estate Planning

When it comes to establishing wills and estate plans, older Americans outpace their younger counterparts. Still, a significant number – 19 percent of those over age 72 and 42 percent of those between 53 and 71, according to survey data – lack any type of estate plan. Although managing these details can seem daunting, and […]

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