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Is it Medicare or Medicaid?

Last column I explained the options to pay for long term care are limited. Adding to the problem is a significant amount of incorrect information about what those options are. For example, many seniors erroneously believe Medicare will pay long-term care costs. This...

 How Can I Pay for Long Term Care?

The statistics are intimidating. Seventy percent (70%) of seniors will need some form of long-term care. Neither Medicare nor the typical health insurance policy provides coverage for this need. Yet the costs can reach, or even exceed, ten thousand dollars a month. So...

What is Long Term Care?

In my presentations, I stress the importance of preparing for “long term care” needs.  Long term care is not about hospitalization. In fact, it is not really even about medical care.  It is about the inability to provide for one’s basic personal needs, often called...