Did you know that long term care policies are not just for nursing home coverage? They can also be used to help pay for home care costs as well! If you aren’t sure where to start to activate your policy, below is a great guide to assist you with activating your long term care policy! To Start the Claim Process…
When many people think of dementia, they either think about someone who keeps forgetting where they left their keys, or they think of someone who doesn’t even recognize their own family. But what about someone who is in between? What about someone that cognitively is capable of performing activities, but no longer has the ability to consider consequences for their…
Your mother or father thinks insurance benefits should be black and white. They have reached the age to qualify for Medicare, so why is it that the benefits are so confusing? Also, what other advantages are your mother or father entitled to besides Medicare? It’s important to look beyond the medical benefits to see what other government programs available to…
Your mother or father may be having problems paying for prescription costs. The truth of the matter is, many medications today are outrageously priced. If your parent is complaining that they cannot afford the pills their doctor is prescribing, they are not alone. In fact, older adults often struggle with this issue. Rising Prescription Costs Studies indicate that 75% of…
It can be difficult to navigate the differences between assisted living and in-home care for elderly adults. Assisted living often involves relocating to a live-in community where senior citizens reside together with a variety of care available to them under one roof. Communities may vary as to how apartment homes are set up and how in home care for elderly…
Have you noticed the phone ringing off the hook at your mother or father’s home? Most of the time the number is an 800 caller or unknown. In fact, at this stage of your parent’s life, there are very few people who call them on the phone other than family and friends. So who are all these callers? The majority…
If you have considered home care assistance for your mom or dad, you probably have thought about your parent’s needs and most likely are overwhelmed. Most adult children find this to be a challenging stage in both their parent’s life and theirs even if they believe they have discussed the situation and made decisions as to how they will provide…
It’s possible that your parent is overwhelmed with managing the medications they are taking. Not only are they taking drugs that they cannot pronounce the names of, but they also may not understand when to take them or why they are needed. Some pills need to be taken with a full glass of water, others with milk, and some on…
Identity theft plagues seniors. Older people are far more likely to be a victim of scams in comparison to younger people. There are many reasons seniors are far more vulnerable to identify theft, and its important that their loved ones take steps to try to help protect them. Why Are Seniors a Primary Target? Seniors are susceptible to fraud. The…
Long-term care insurance helps seniors cover the costs of assistance with the activities of daily living, such as eating, bathing and dressing. The insurance offers coverage for stays in nursing homes and assisted living facilities and provides coverage for home health care in the event seniors are unable to care for themselves or have a disability. While this form of…
