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 […]

Have you ever wondered what to do with unwanted medical equipment or supplies? If you rent the equipment, call the company to pick it up. If you own the equipment, you must think of a way to unload it. Most don’t want to throw it into the trash because it’s still usable. Plus, the guilt […]

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 […]

Whenever you go to a senior housing facility or long-term care facility, have you ever seen the Ombudsman notice and wondered, what’s an Ombudsman? Why do these places have such statements? The State of California requires Ombudsman notices to be posted publicly in long-term facilities. The word Ombudsman comes from Sweden and means representative. An […]

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 […]