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                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

                I have written often about the need for everyone to have a support system in place in the event of a crisis.  Think about whom you would turn to if you needed help.  For most people it would be family, a spouse, child, grandchild, sibling, niece or nephew.   But,

                Two weeks ago John Hancock, one of the largest providers of long term care insurance announced it is withdrawing from the market.  It will stop selling new long term care insurance policies.  John Hancock currently has sold more than 1.2 million policies nationwide.                 What does it all mean?  Hancock

                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

                It’s an issue that we see time and again.  Many of our senior clients have annuities that they purchased years ago.  In its simplest form, an annuity is an insurance contract into which you can reposition a lump sum to an insurance company and in return the insurance company