Enabling the Disabled Family funds can be carefully managed to fit the disability-benefit rules and still provide additional perks for the disabled person to enjoy. And, though the rules can be strict, disabled people are still permitted autonomy to own…
Initially, it may seem as though life insurance does not have much impact on your estate plan. However, life insurance can be an integral, indispensably important part of a well-thought-out estate plan. There are numerous other benefits to owning a…
In order for the elderly and disabled to receive the personal and health support they need, long-term care insurance can be the solution. However, it is important to understand long-term care insurance before the time comes when the benefits are…
Most Americans consider real property, like their home, the most significant part of their overall net worth. How the home and other pieces of real property are titled deserves careful consideration. Real estate constitutes the land and any structure, including…
Insurance companies are frequently subject to being scammed. Scammers frequently target government insurance like Medicare by stealing newly issued medical ID cards and then stealing identities. The Coalition Against Insurance Fraud estimates that tens of billions of dollars are lost…
Many retired and older Americans are filing for bankruptcy at higher rates than ever before. While medical advances are keeping seniors alive longer, the associated healthcare costs in the quest for longevity are being off-loaded onto the older individual at…
At some point in your life, there may come a time when you realize you can no longer take care of your spouse at home. At this emotionally difficult time, the last thing you need is the stress of not…
Since the federal estate tax exemption allowance appears to be in jeopardy of being lowered, it may be time to reconsider how you plan to pass generational wealth to your heirs. Senate Democrats are proposing to lower the current estate…
It is a sad reality that many veterans’ benefits get tied up in the system and never get paid out. A quick internet search can lead to story after story of veterans who have struggled to receive the benefits that…
As we have learned through the coronavirus pandemic, life is precious and unpredictable. Too many aging Americans found themselves with a life-threatening COVID-19 illness in 2020 without legal documents naming trusted love ones to make decisions for their well-being while…