Higher insurance deductibles!  Higher co-insurance!! More out of pocket expense!!!  What can a person do to control their out of pocket expense? To be clear, first, a person is best served by having a good

New Medicare Changes and Benefits This fall season will be an active time period for most people who do not have employer sponsored group insurance.  People who buy Medicare Plans, including Medicare Advantage Plans (MA),

Denied Insurance Claims Last month’s column focused on the need to protect one’s earnings with disability insurance during the income producing years; and long term care (LTC) coverage to protect one’s nest egg during the

Long Term Health Care Insurance In most age groups, the likelihood of disability ‐ being incapacitated due to illness or accident ‐ is greater than the likelihood of death.  For younger people, disability insurance, often provided by employers, is used

Nursing Home Costs and How To Protect Yourself From Them This is interesting: How much did you earn, or will you earn in your lifetime?  Most people work 40 hours (or more) per week, 50

Could You Need Disability Social Security? It’s late at night, you’re alone and driving home.  You’re tired, but still have a couple miles to go.   At last, you’re about a half mile from home. 

Do You Need LTC Insurance? People work hard to save for their “golden years”. However, once the golden years are reached, one serious health event may cause a person to spend their life savings on

People work hard to save for their “golden years”. However, once the golden years are reached, one serious health event may cause a person to spend their life savings on long term care (LTC). How