The Federal Long-Term Care Insurance Program (FLTCIP) offers long-term care for federal or US postal employees or any active or retired Uniformed Services members. First, the basics of long-term care: it isn’t professional medical care, it isn’t seeking recovery or…
For serious health conditions like ALS and Alzheimer’s, it is vital to have a strong power of attorney. Additionally, it is important to know that a good “basic” advance-directive document needs considerable supplementation when it comes to a dreadful illness…
Once you turn 70 years old, you have some critical decisions to make that will affect your retirement years. Here are some deadlines you won’t want to miss. Sign up for Social Security. If you have delayed taking Social Security…
Studies have found that over 64% of Americans don’t have an estate plan. Many Americans over the age of 65 believe they lack the knowledge necessary to adequately plan for retirement and are not knowledgeable about basic retirement tools, like…
Do you find yourself working, caring for your own kids and spouse, your parents, and yourself? That makes you part of the Sandwich Generation. You are not alone—almost half of America’s 40- and 50-year olds are in the same boat.…
In estate planning, a letter of instruction is an important component of the overall plan. It is an informal document that will give your loved ones important information about personal and financial matters after your death. Letters of instruction are…
Digital technology continues to make our daily lives more efficient. Everyday smartphones, tablets, and other web-enabled devices allow us to communicate seamlessly. Technology applications have changed medical communities and systems, morphing them into an information-rich enterprise. Digital management of medical…
A government study found that Medicare and Social Security are at risk of collapse. Unless action is taken, Social Security will exceed its income by 2020, whereas Medicare is projected to exceed its hospital insurance fund by 2026. Social Security…
Imagine a pair of aging parents that have been farmers and own their farm. Now, though, they’re getting on in years and they’re considering moving into a smaller place. One of the daughters and her husband help run the farm,…
When a family member has passed, the family sometimes ends up arguing over personal property. Arguments can take place over things like a coffee mug, a piece of jewelry or a painting. These types of arguments can be eliminated by…