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Did you know the largest single minority in this country are the 58 million Americans five years of age or older that are identified as special needs? The majority of federal and state benefits available to help persons with disabilities are needs-based, meaning income and assets are strictly limited and can often be misinterpreted, resulting…

A will is an essential part of protecting your assets and ensuring your heirs are taken care of, and nearly half of all Americans don’t have one. If you’ve already created a will, congratulations – you’re already ahead of the game. While a will is a necessary document that every person who owns assets should…

When signing up for Medicare, some people have other insurance, such as coverage from a current employer, or retiree’s or military insurance. Beneficiaries of Original Medicare or Medicare Advantage may keep their additional coverage, as the providers work together to bear health care costs. Can You Have Medicare and Private Insurance? People may have Medicare…

Perhaps you should reconsider if you believe you can’t meet Medicaid’s strict income and asset limits to qualify for long-term care benefits. If you currently demonstrate the need for nursing home facility services, you may meet health eligibility rules for a Medicaid waiver program to support the costs of in-home care instead. Each state has…

IoT (Internet of Things) has become increasingly important to everyday life, and managing our digital assets is paramount. From smart home devices to online investments and bank accounts, we’ve gone way beyond using the internet to email family and social media to connect with friends. Today, understanding which digital information and accounts you can legally…

In the event that a loved one dies leaving a will, the will specifies who will receive the loved one’s property and who will be in charge of settling the estate. For many reasons, beneficiaries can feel slighted by what they did or didn’t receive, and some individuals are entirely excluded from inheriting anything at…

Having endured multiple waves of Coronavirus, we’re all ready for the pandemic to end. Unfortunately, the possibility of contracting COVID-19 remains a reality. Last year, the Biden Administration put in place the National COVID-19 Preparedness Plan to establish four key goals for handling the virus while it remains a threat: Protect Against and Treat COVID-19…

Choosing the correct home care provider for your aging parents is a huge responsibility. This person will be looking after the needs of those who taught you to walk, talk, and care for yourself. To ensure your parents are well cared for in their golden years, consider the following as you seek out the perfect…

Most older adults want to remain in their homes and communities as they age rather than move into assisted living facilities or nursing homes. For those who wish to maintain their independence and continue living at home as they grow older, taking certain steps to protect their physical, mental, and financial welfare is essential. What…

In most states, spouses can purchase and own property separately from one another. However, in certain states – called community property states – if one spouse purchases property, it is considered the property of both spouses. How marital property is owned has implications for both estate and tax planning. There are currently nine community property…