Positive news about the decline in dementia rates

I had a call from a lady who is age 83. Her husband is 88 and having some balance issues. She wanted long term care insurance for her husband. I had to tell her it was not available to him at all. In this instance they could not purchase it at any price: it is…

Time for my annual report on the Long Term Care insurance industry. As you may know, the premiums we pay to the companies are generally invested in bonds and the bond market has been extremely depressed since 2008 really so it has been tough for any company to invest our premiums and get the projected…

I sometimes see clients on Medicare ignore getting their eyes, hearing and skin checked by specialists. That can land them in deep trouble. They put off seeing these specialists because – well, they just DO.  Maybe it’s because nothing hurts but I see too many people put these important screenings off for years. ALWAYS see…

If you are on Medicare then you know the government has mandated that you have creditable drug coverage and that is handled through commercial insurance companies. Always check every September when you receive your “Annual Notice of Change” for your plan because any or all of these can change: Your monthly premium amount Your yearly…

For whatever reason (and I have a few opinions on this), drugs cost are up if you have a Medicare plan. I remember only about 8 years ago, premiums for stand alone drug plans were only $7 a month. Now the cheapest is $15 and it may not give you the coverage you want. If…