Have you heard of Long Term Care (LTC) Insurance and wondered what it was? Unlike traditional health insurance, long-term care covers long-term services and supports. Coverage includes personal and custodial care in various settings, such as your home, a community organization, or other facilities. Health insurance covers doctor’s appointments, hospital treatment, home health, and skilled […]

When a person has Medicare, there may come a time they have questions or need an advocate.    Many may look online for information.  Some may reach out to a health insurance broker/agent to see if they can be a resource.  There is a free program available to California residents called HICAP (Health Insurance Counseling and […]

Once people are in their 50s, they start thinking about retirement. Some people start putting away more funds into an investment account or bank account, and some start calculating their retirement age (65 or 70). Surprisingly 47% of people retire sooner than planned, which could be because of company layoffs followed by the inability to […]

There is an old saying, “Getting old isn’t for the faint of heart.” That is true. There are five stages to aging, and resources are available for each phase. The big question is, what are the top required services for seniors? Looking at this list, all seem manageable; until considering costs. Only some things are […]

Once a person gets closer to their senior years, more issues become apparent, and more help is needed. There are five stages of aging; resources are available for each phase. When a person starts to decline, they hide their problems. Plus, asking for help can be difficult, especially for an independent, strong-willed person, so keep […]

There are so many STAGES to aging. As a loved one ages, they experience gradual or rapid changes, which apply to both physical and cognitive. Seniors are great at hiding their problems, so being involved is critical to avoid missing the signs. Understanding the five stages people experience may alert family and friends to evaluate […]