Is There a Link Between Sleep and Alzheimer’s?

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One in three Americans do not get enough sleep, and 45% of the remaining world’s population doesn’t either. The US Centers for Disease Control and Prevention calls that a “public health problem,” because disrupted sleep is associated with a higher … Read More

Campaign Launches to Boost Enrollment in ABLE Accounts

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New savings accounts for families of people with disabilities, known as ABLE accounts, are rapidly becoming available nationwide as programs continue to roll out on a state-by-state basis. But this new savings option, as potentially revolutionary as it is, contains many … Read More

How to Reverse Medicare Surcharges When Your Income Changes

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What happens if you are a high-income Medicare beneficiary who is paying a surcharge on your premiums and then your income changes? If your circumstances change, you can reverse those surcharges. Higher-income Medicare beneficiaries (individuals who earn more than $85,000) … Read More

Pay Attention to the Small Details When Dealing with Long-Term Care Insurers

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A long-term care insurance company recently cancelled the insurance coverage of an elderly woman who accidentally wrote the wrong amount on her premium check. The case illustrates the need for policyholders to pay attention to the details. Madeleine Maldonado, of … Read More

How to Select an In-Home Aide

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Studies show that older Americans want to remain in their homes for as long as possible – even when they are struggling. For growing numbers of elders – and concerned family members – the solution to their struggle is a home … Read More

12 Interview Questions to Ask an In-Home Aide

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Most older Americans want to remain in their homes as long as possible.  For growing numbers of elders – and concerned family members – this is only possible with the help of a home care aide.  As we discuss in … Read More

5 Ways Your Will Can Become Useless, Or Close to It

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Is having an out-of-date will better than having no will at all? While wills do not have expiration dates, certain changes can render them useless. When this happens, having an out-of-date will can be the same as having no will … Read More

HUD Makes Reverse Mortgages a Little Less Attractive

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The Department of Housing and Urban Development (HUD) has announced changes to the federal reverse mortgage program. Citing the need to put the program on better financial footing, HUD will raise reverse mortgage fees for some borrowers and lower the amount … Read More

Is There a Difference Between “Supplemental” and “Special” Needs Trusts?

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Have you heard the terms “special” needs trust and “supplemental” needs trust and wondered what the difference is? The short answer is that there’s no difference. Here’s the long answer: When the field of special needs planning began more than two decades … Read More

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