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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