• How to Pay For Skilled Nursing Facility

    For many seniors, one of today’s biggest struggles is figuring out how to pay for skilled nursing facility. Typically, people turn to public sources, such as Medicare and Medicaid. For seniors on Medicare, the first 100 days of in-patient skilled nursing facility is typically covered. After the initial 100 day period is over, an expensive daily co-pays kick in, or a patient would be forced to switch to Medicaid.

  • Do You Need Long-Term Care Insurance?

    Did you know that less than 1/3 of Americans over 50 have begun to save for long-term care? Planning ahead can help you and your family learn more about the benefits of this type of insurance. Even if you haven’t started planning for the cost of long-term care, you may still find that long-term care insurance is the right choice for you and your family.

  • Tips for Keeping Your Parents at Home as They Age

    As your parents get older, they may want to stay at home instead of moving into a nursing home.  However, this can pose a challenge if they struggle to complete daily tasks without assistance. While you may assume that moving your parents to a nursing or care facility is your only choice, keeping your parents at home is now a viable option.

    To help your parents safely stay at home as they age, follow these tips:

  • Helping Seniors Handle a Loss of Independance

    Day-to-day activities, such as grocery shopping and doctor’s appointments, may seem like impossible tasks for those experiencing limited mobility. Plus, many older adults have enjoyed caring for others throughout their lives and are uncomfortable receiving help. Accepting help, especially from someone outside their family, is difficult for these seniors.

    These symptoms may indicate that seniors are beginning to experience a loss of independence:

  • Paying for In-Home Care for an Aging Parent or Spouse

    Paying for in-home care often poses a challenge for many working families due to its high cost.  However, in-home care is often necessary to help an aging parent or spouse stay in the home they love. Because of this, it is important to consider the cost of in-home care during estate planning. 

    There are certain health plans and types of long-term care insurance that offer a specific amount of coverage for home health care.  You should contact your insurance provides to find out what is covered.

    In-home care may be covered in these situations:

  • How Do I Qualify For Social Security Disability Benefits?

    After years of paying into the Social Security system, many Americans are surprised at how difficult it is to collect disability benefits. Although you have no choice but to pay into the system, the Social Security administration does have choice as to whether or not to pay your claim for disability benefits. To collect any benefits, you will have to meet a strict set of guidelines. Even if you have a solid case, the processing time for disability benefits might shock you.

  • Why Sleep Is Precious for Staying Sharp

    Did you know that a sleep deficit has serious implications for your brain? Sleeping less than seven hours has been linked to memory loss and even Alzheimer’s disease in the elderly. Learn why it’s important to get sleep to keep your brain and body healthy.

  • Long-Term Care Insurance: Is it Worth It?

    Is long-term care insurance right choice for you and your family? Should you or a loved become unable to perform daily living activities like eating, dressing yourself, and using the bathroom on your own, long-term care insurance offers protection against potentially devastating health care expenses.

  • New Year’s Resolutions for Senior Citizens

     

    It’s the time of year when many people make New Year’s resolutions, which often include starting good habits or stopping bad habits. Senior citizens can greatly benefit from making resolutions that relate to health and wellness or learning a new skill. Learn how these New Year’s resolutions for senior citizens can help you or someone you love enjoy another healthy and happy year.