When you or a loved one are in a nursing home or assisted living facility, the rising costs can make you feel like you are drowning. Fortunately you have not missed the boat on protecting at least part, if not…
Between now and 2030, approximately 10,000 Baby Boomers are turning 65 each day. If you are among this distinguished group of individuals like I am (I do have five years to go for 65), then you need to start thinking about…
There is no clear path to health care decision making for people with developmental disabilities. Although the current laws attempt to create a framework for health care decision making, each situation comes with a different set of facts, so the…
According to the recent US Census Bureau, New Yorkers are leaving to many different states in our country. The number one state, of course, is Florida but you might be surprised by numbers 2-5, New Jersey, Pennsylvania, Texas and California…
Picture this: You are lying in a hospital bed for four days being treated for a broken bone. You are wearing an ID bracelet and a hospital gown. You hear all sorts of beeps and buzzing, and have doctors and…
What happens if a New York court has appointed you as the guardian of a loved one, and either you or that loved one needs to move to another state? Well, right now the answer is… it’s complicated. Let’s face…
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Anyone who has ever been married will tell you that there’s an adjustment period once the excitement and exhaustion of the wedding wears off. For many, this adjustment period is necessary to grow as a married couple. Unfortunately for Paul…
Long-Term Care Insurance (LTCI) is an important part of retirement planning that should not be overlooked. Although it can be a vital component of a well-rounded and realistic retirement plan for most, it is not necessarily for everyone. For example,…
One spouse wants to retire and the other wants to continue working. But before making this decision it is important to plan ahead to avoid a hidden trap as to Social Security Benefits. Let’s look at John and Mary’s situation. John, 64,…