Long-term care insurance is a complicated product. Purchasing a new policy in today’s market is difficult, expensive and restrictive as providers scramble to stay ahead of the rising costs of care. Existing policies are impacted, too, with most older policies shifting almost beyond recognition thanks to exclusions, restrictions, inflation and changes imposed by the providers. [...]
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Our grandparents rarely thought about assisted living. Options were few, costs of care were low, insurance was less restrictive, and loved ones expected to eventually become caregivers. It was normal to rely on family. It was a different time. Today’s care environment looks nothing like the past. Costs─and expectations─have changed. In 2017, the cost of [...]
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Ninety percent of seniors prefer to remain in their own homes during their golden years; however, the reality is that successful independent living requires certain skills. If just one of these vital skills is missing, self-care can be a serious problem, leading to safety, comfort and health issues. Like baking, these ingredients─these skills─combine to help [...]
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