Over the years, nursing homes and the services they provide have evolved and become more complicated. Today they are places where skilled staff not only offer 24/7 physical care, but also focus on the social, emotional, and mental well-being of their residents. Also referred to as skilled nursing facilities, modern nursing homes provide short- and long-term care based on the
When we are young, our long-term health is one of the furthest things from our minds. We think we’ll have plenty of time to make potentially uncomfortable decisions as we get older. But what if the unthinkable happens sooner rather than later and renders you incapable of making those decisions? If you want to be in charge of your life
Veterans who served our great nation deserve the benefits promised by our government – but it is not always easy to obtain these funds due to bureaucratic red tape. That is why it is important to have someone willing to step in and ensure that you get what you are owed. If you – or your spouse – served on
Long-term care and Medicaid planning is not something we necessarily want to think about; however, it is important not to stick our heads in the sand. Unfortunately, many people do not address it until they are faced with serious health problems or need nursing home placement immediately. Long-term care requires significant funds – not to mention finding the right locations
Setting up a trust that’s fair and manageable takes a holistic approach that combines your understanding of the law as well as a compassionate understanding of the motivations driving a client’s needs. The clients, Husband and Wife (Mom and Dad), are sitting in front of you. The three of you are discussing how they want their assets distributed upon the
Annuities, like dogs, come in a multitude of breeds. Both pit bulls and poodles can be loyal and trusted companions — if matched with the right person. Finding the right match is likewise key when it comes to annuities. Whether an annuity can be a faithful source of financial support in the client’s retirement depends upon a variety of factors,
For most seniors, the family home is their most important asset and selecting the best ownership option is of critical importance. A senior may ask these questions. “Should I give my home to my children now?” “If I add my children to the title, what happens if they divorce, have creditor problems or become estranged from me?” “How can I
Of life’s two great certainties, death and taxes, the first is certainly more certain. Some people can avoid taxes by careful planning, others by poverty or evasion. But no one yet has devised a plan to avoid death. Forethought and careful planning, however, can help assure that the decision and circumstances at the end of your life are made by
Most adults do not have an estate plan even though they know they should. We know it is a topic that is unpleasant to ponder, but it is something that, unfortunately, must be thought about seriously. And if you keep avoiding it until the inevitable, then you set up those you hold dear and/or any heirs for potential hassle and
If 2020 has taught us anything, it is that our lives can change in an instant – and in so many unforeseen ways. With the end of 2020 upon us, you may be tempted to try and put everything about it in the rearview mirror. However, there is much that we can learn from all 2020 brought us. This year
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