In the United States, Medicare home health providers, including occupational, speech, and physical therapists, social workers, and intermittent skilled nurses, have adopted a new refrain: "Your husband (or whomever) is not going to get better, so we will have to…
Throughout their career, most people have paid into Social Security, so that when they reach 65, they can receive Medicare benefits. Individuals under age 65 who qualify to receive Social Security Disability benefits are also covered under Medicare, as well…
People had hoped that COVID-19 would be gone by now. It has been shown in studies that the risk of death is higher for people over 65 years old. Individuals living in senior living communities, such as independent living, assisted…
In case you or someone you know works for the federal government, postal service, or is an active or retired Uniformed Services member, you may wish to consider the Federal Long Term Care Insurance Program (FLTCIP). First, the basics of…
The term long-term care (LTC) encompasses a multitude of aspects. Long-term care is comprised of a variety of services that meet medical and non-medical requirements for people who cannot care for themselves for long periods. It is a highly individualized…
In the United States, every day, 10,000 baby boomers turn 65 years old, according to the American Association for Retired Persons (AARP). The deluge of aging Americans and the increase in longevity in the already 65-plus population are the main…
Planning for long-term care is crucial since almost everyone will need it at some point in their lives. While we cannot predict the timing or level of care, we can take steps to prepare for an unexpected medical and financial…
AARP reports that the population of people over 85 years old, who are most likely to require long-term care, will more than triple between 2015 and 2050. Elected leaders must rethink institutional care and its affordability and make improvements while…
Many financial experts believe that waiting until your aging parent is in cognitive decline to talk finance is a mistake. It will take time to gather all the information you need for a complete financial assessment of their aging needs.…
In continuing care retirement communities (CCRC), sometimes referred to as life plan communities, the goal is to provide a long-term care option for older residents. These residents prefer to live in the same community, though in different phase locations, during…