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Health Care

How Will You Handle The Cost Of Long-Term Care?

February 6, 2019
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Written by Matt Boelter, Financial Advisor I started volunteering at assisted living and memory care retirement homes when I was about ten years old.  I got involved because I lived in a small town and my mother was part of the care staff, but I always enjoyed listening to the stories and wisdom that the residents…

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Medicaid Liens and Estate Recoveries

March 12, 2018
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What are Medicaid liens and estate recoveries? Federal law encourages states to seek reimbursement from Medicaid recipients for Medicaid payments made on their behalf. There are two types of cost-recovery actions against the assets of Medicaid recipients: (1) real or personal property liens, and (2) recovery from decedent’s estate. A Medicaid lien is a form…

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Do Your Parents Need Long-Term Care Insurance?

February 26, 2018
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We live in an age of medical miracles. People live longer than ever before, and life expectancies are increasing at a steady rate. This means that many of us will be fortunate enough to still have our parents with us as we ourselves reach retirement age. As our parents age, however, their health may decline,…

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Healthcare in Retirement

December 25, 2017
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What health care benefits are available in retirement? Health care in retirement is available from many sources. Government programs (such as Medicaid and Medicare) offer numerous health care benefits. However, you may need to purchase supplemental health insurance or Medigap, as well. Most Americans are eligible to begin receiving Medicare benefits at age 65, but…

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Housing Options for Older Individuals

November 20, 2017
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As you grow older, your housing needs may change. Maybe you’ll get tired of doing yardwork. You might want to retire in sunny Florida or live close to your grandchildren in Illinois. Perhaps you’ll need to live in a nursing home or an assisted-living facility. Or, after considering your options, you may even decide to…

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Health Insurance Made Simple

August 28, 2017
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Let’s face it–in today’s world, health insurance is a necessity. In fact, most U.S. citizens and legal residents must have qualifying health insurance or face a penalty tax. Yet the cost of medical care is soaring higher every year, and it’s becoming increasingly difficult (and in some cases, impossible) to pay medical costs out of…

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The Fundamentals of Disability Insurance

August 7, 2017
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Disability insurance pays benefits when you are unable to earn a living because you are sick or injured. Most disability policies pay you a benefit that replaces a percentage of your earned income when you can’t work. Why would you need disability insurance? Your chances of being disabled for longer than three months are much…

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Facing the Possibility of Incapacity

June 26, 2017
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Incapacity means that you are either mentally or physically unable to take care of yourself or your day-to-day affairs. Incapacity can result from serious physical injury, mental or physical illness, advancing age, and alcohol or drug abuse. Incapacity can strike anyone at anytime Even with today’s medical miracles, it’s a real possibility that you or…

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Insurance Needs in Retirement

June 12, 2017
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Your goals and priorities will probably change as you plan to retire. Along with them, your insurance needs may change as well. Retirement is typically a good time to review the different parts of your insurance program and make any changes that might be needed. Stay well with good health insurance After you retire, you’ll…

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Medicaid Liens and Estate Recoveries

March 20, 2017

What are Medicaid liens and estate recoveries? Federal law encourages states to seek reimbursement from Medicaid recipients for Medicaid payments made on their behalf. There are two types of cost-recovery actions against the assets of Medicaid recipients: (1) real or personal property liens, and (2) recovery from decedent’s estate. A Medicaid lien is a form…

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