Blog Archives

Possible Long Term Care Insurance Legislation on the Horizon? (Part 2)

                In my post last week, I talked about new legislation that is still in the drafting phase but that may be the next government attempt to provide a long term care benefit to Americans.  The last attempt, known as the CLASS Act, was a voluntary program.  This new program looks like it would be […]

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Possible Long Term Care Legislation on the Horizon?

       Just the other day I had someone ask me about the possibility of the government extending the Medicaid lookback from 5 years to 10 years. Since the last change in 2005 when the lookback went from 3 to 5 years (which change became effective in February, 2006) I have heard this rumor […]

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The Declining Pool of Caregivers

                Another article, this time in the Wall Street Journal caught my eye the other day.  It’s about how this country is running out of family caregivers at a time when the need for those caregivers is increasing.               Some of my recent posts have included statistics showing the continued trend of an aging population […]

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The Talk

                I have written in past blog posts about how best to approach the topic of long term care with a parent or elderly loved one.  There are no two situations that are exactly alike so there is no one best way to handle the delicate subject.  It is especially difficult when the senior is […]

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Trumpcare – What Doe it Mean for Long Term Care? (Part 2)

        Last week I was discussing the impact that the Republican party’s health care bill, dubbed by some “Trumpcare”, might have on long term care.    As of Friday it appears that the American Health Care Act is dead and Obamacare, at least for now, is still with us.  Nevertheless, let’s take a look at how […]

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Solving Only One-Half of the Problem

                Joe called me because the hospital social worker suggested it.  His wife, Mary had been in the hospital but was now ready to be discharged.  However, Joe was just now coming to the realization that Mary can’t go home.  He just is not capable of caring for her any longer.  While he is the […]

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What to Do When You Have No One to Help (Part 2)

                Last week I presented to you the hypothetical, but very common case, of Jane who is in the hospital and has acute and chronic health issues.  She has no family or she is estranged from her family.  The immediate problem is that she has no designated person to act on her behalf as agent […]

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Home for the Holidays (Part 2)

            Last week I was talking about changes in loved ones we may notice around holiday time, simply because we may be returning home after some time away.  So what can or should you do about it?             A physical and neurological exam should identify any medical issues. A Geriatric Care Manager (GCM) can help assess the […]

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The Problem with Annuities and How to Solve It (Part 3) #ProblemwithAnnuities

                Last week I outlined for you the advantages of the Pension Protection Act (PPA), #PensionProtectionAct which became effective in 2010.  The government has provided some pretty significant tax advantages as an incentive for Americans to self-fund their long term care.  As a result, insurance companies have created varied products to take advantage of the […]

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College and Long Term Care – ??? (Part 3) #LongTermCare

            The last two weeks I have been telling you about an increasing trend that we are seeing in cases that come through our office- grandparents who are paying for college, daycare, camp expenses etc. for their grandchildren.  While a big help to the children of our clients who can’t afford the rising educational costs […]

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