Long Term Care Insurance

Boomer Generation: Caught in the Middle  Boomer or Sandwich Generation middle agers facing college tuition,  financial assistance to older parents and saving for their own retirement, the pressure can be overwhelming. Who to help first?  You can’t sacrifice your nest egg savings and you can’t watch your children and parents flounder.  Planning is KEY fpr ...
Elder Care Expenses Elder Care for anyone with physical or cognitive impairment is challenging and very expensive. Most adults prefer to remain in their own home. Here are a few ways to find income to cover the cost of care. Whether assisting a loved one with either physical or cognitive declines (sometimes both) expenses add ...
Respite time is a Gift to parents Respite time allows us to be better caregivers. Most of us see ourselves the way we would like to be. Our older aging parents have likely been married for sixty years or so and should one of them, mother or father become ill or incapacitated, the other spouse becomes ...
Snowbirds Come South: October to May Let the Snowbirds Migration begin.  Both Almanacs are calling for another very cold and snowy winter, so the flocks will begin soon. A lot can happen medically, from Spring to late Fall.  Your medical team down here needs to be brought up to date. It is alarming when Snowbirds ...
Decline or functional impairment  by your elderly parent  – Red Flags Decline is usually symptomatic of disease or illness. Some signs of decline are subtle and others obvious. Simple observation in their home will give you an idea of what changes are happening and how best to respond. Go to their home and see: 1. Has mail accumulated, and ...
  Do I Just Call LTC Insurance and Open a Claim? LTC insurance is used to pay for private duty personal home care. As a Geriatric Care Manager for a Senior Services company in South Florida, I meet with many elder folks when they need assistance at home.  Either they sustained an injury- fall or hip fracture, ...
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