Recent events have made many of us think about our mortality and how to make sure our loved ones are taken care of especially if we die unexpectedly. Life insurance can be an affordable way to provide for our children, a spouse, a sibling, aging parents, and other loved ones. Life insurance can provide heirs [...]

Uncertainty can breed fear, particularly when it comes to caring options for a loved one currently in a nursing home during the COVID-19 pandemic. Facing the questions like how long this health crisis will last and will there be secondary, or even more waves of infection, give pause to those with loved ones in these [...]

The Alzheimer's Association has published its 2020 report entitled Alzheimer's Disease Facts and Figures (alz.org). The findings give pause when contemplating the future of many Americans who will be living with crippling dementia. Health care and long-term care costs for individuals with Alzheimer's Disease and Related Dementias (ADRD) are staggering as dementia is one of [...]

Family members often end up arguing over mom or dad’s favorite items when that parent dies. Arguments can take place over things like a coffee mug, a piece of jewelry or a painting. These types of arguments can be eliminated by filling out a personal property memorandum and keeping it with your will or trust.A [...]

As many state officials now begin to ease current Covid-19 restrictions, the May 10th Wall Street Journal (WSJ) reports that the Centers for Medicare and Medicaid Services (CMS) is considering likewise for nursing-home residents and their families. Since March 13, visitors and communal activities have been banned under CMS restrictions. WSJ obtained a leaked draft of CMS guidelines [...]

In this Covid-19 epidemic, a wrenching question especially demands an answer: if you or someone you love is taken down into life-threatening illness, how far would you want extreme life-prolonging measures to be tried? I previously wrote about this and coined end of life incapacity planning as the "Big 6 Disability Planning" that you can [...]

There are very few individuals without a digital footprint anymore. From social networks like Facebook, Linkedin, Instagram, Twitch.tv and Twitter, blogs and licensed domain names, email, music, photos, seller accounts on eBay, Amazon, or Itsy, gaming accounts, even your financial, utility, and medical accounts are all part of your digital footprint. When most of us [...]

Many of us are facing unprecedented challenges during this coronavirus crisis in America, and it has increased anxiety and fear levels in all of us. The reactive part of your brain called the amygdala, a human physiological response when faced with fear, takes control of your actions, and you enter what is known as the fight-flight-freeze [...]

Family systems have a natural habit of stepping in to provide health care to their aging relatives. The love and care many adult children receive growing up become reciprocal, particularly in the case of their aging parents. But with the advent of longer lives, it is not atypical that a senior parent may still be [...]

The US Social Security Administrations funding trusts are known as the Old-Age and Survivors Insurance (OASI) Trust Fund and the Disability Insurance (DI) Trust Fund. In their 2019 annual report to Congress, the Board of Trustees released some startling detail about projected insolvency for the Social Security Program by the year 2035. The Social Security Administration (SSA) has been dipping [...]