Living Well
Have you thought about what would happen if you got so sick you couldn’t communicate with your doctors? Would you be surprised to hear that thinking about such difficult questions, as where you would want the line drawn, between a life worth living and the other kind, can be rewarding? Here is why that process can be more beneficial than you might first imagine. Peace of mind Imagine that you...Read More
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The Importance of Long-Term Care Planning
Life expectancy in the United States has continued an upward trend over the last several decades. The average life expectancy for men is 76.4 years and the average for women is a healthy 81.2 years of age. What has not trended upward, however, is the number of people engaging in long-term care planning. The fact is, 63 percent of Americans age 65 or older will need either in-home nursing care...Read More
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Considerations for Non-Emergency Medical Transportation
According to Veyo, a leader in the Non-Emergency Medical Transportation (NEMT) industry, there are over three and a half million people who have a difficult or impossible time getting to their doctor’s appointments. Many of these people are seniors, especially those who live in rural areas and people of color. Moreover, many of these seniors have chronic conditions, and serious quality of...Read More
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Come See Us First: Selling The Family Home
After Maria’s husband died, Maria’s daughter Debby persuaded her to sell the family home and move into Debby’s mother-in-law cottage. That way they could stay close, and Maria could invest the money from the sale in a nest egg on which she could live comfortably. The house sold for a handsome sum, Maria moved in, and life was good. Unfortunately, soon after Maria had...Read More
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How to Recognize Nursing Home Abuse or Neglect
Nursing home abuse or neglect is defined generally as any action or failure to act that causes unreasonable suffering, misery, or harm to the patient. It can include assault of a patient, but can also include withholding necessary food, medical attention, or physical care from the patient. It is important that families stay involved in the lives of their loved ones once they have been placed...Read More
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Choosing The Right Nursing Home
As 1.3 million people in America reside in nursing homes currently, chances are high that you or someone you love will need to be cared for in a nursing home setting eventually. Choosing the right nursing home is not cut-and-dry, and all nursing homes are not created equal. The average length of a nursing home stay is 835 days – over two years. With an average stay of over two years, it is...Read More
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Come See Us: It’s Not Too Late
Ambrose was getting on in years, and he missed his wife who had recently died. So he sold the home, put the $100,000.00 in the bank, and moved onto his son Arthur’s farm. Every day Ambrose got up at the crack of dawn to milk Arthur’s cows, and he felt healthy as a horse. So he really didn’t see the need to do any financial planning. But one day Ambrose fell and broke his hip. Complications...Read More
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New VA Aid and Attendance Eligibility Requirements go into Effect this Week
The Veterans Administration has announced changes to the eligibility requirements for Veterans to receive Aid and Attendance benefits. The two most significant changes the VA has added is a gifting penalty and a 36-month look-back period for gifts an uncompensated transfers. These changes go in effect October 18, 2016 Overview of VA Aid and Attendance Benefits Aid and Attendance is a Veterans...Read More
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Revisiting Jimmo v. Sebelius and the “Improvement Standard” for Medicare Coverage
If you or a loved one has been receiving Medicare to pay for skilled nursing or therapy care and Medicare suddenly stopped paying, you may want to appeal that decision. The wrong standard may have been applied to your case. JIMMO MEDICARE SETTLEMENT AGREEMENT In 2013, the Jimmo Settlement Agreement had a profound impact on Medicare coverage. Before the Jimmo case, Medicare was cutting off...Read More
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How Are You Thinking About Long-Term Care Costs in Estate Planning
Long Term Care Payment Options Continue to be Limited The Wall Street Journal continues to report on the struggles of the long term care insurance market. Why is this important? Long term care insurance was viewed as the middle class solution to affording long term care. Without long term care insurance, options are limited for many individuals approaching retirement. Even with limited...Read More
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