A Bipartisan Bill Meant to SECURE your Retirement

The Setting Every Community Up for Retirement Enhancement Act, aka the SECURE Act, was passed in 2019 to help Americans prepare for their retirements; however, in truth, what it does is accelerate income taxes on retirement accounts for many citizens. The ten-year rule marks the deadline for the disbursement of your retirement account following your death […]

You Have Been Appointed the Guardian of an Older Adult; Now What?

If an adult becomes mentally incapacitated and is incapable of making responsible decisions, the court will appoint a substitute decision maker, often called a “guardian,” but in some states called a “conservator” or other term. Guardianship is a legal relationship between a competent adult (the “guardian”) and a person who because of incapacity is no […]

Two Different Disability Programs are Available to Veterans Through the VA

Veteran’s have two options as far as disability programs are concerned. Disabilities because of injuries sustained during active duty or if the service during active duty made the existing injury worse are covered through disability compensation while disability pension compensates any veteran who is permanently disabled regardless whether or not the disability is due to […]

Social Security- Is There a Right and a Wrong Time to Collect?

Knowing when to claim social security can be a confusing scenario. Many would be retirees don’t realize the repercussions of collecting too early. “The consequences of claiming Social Security too early can be big. The report found that collecting benefits at the wrong time causes retirees to collectively lose $3.4 trillion in potential income (an […]

Is a Pre Paid Funeral Plan Right for You?

As we get older, and perhaps having to plan a funeral for a loved one ourselves, many people are thinking far ahead and planning and pre-paying for their own funerals. If you have had to go through the process of planning a funeral for a loved one that has passed, you know how difficult it […]

Heads Up Medicare Beneficiaries- A New CMS Rule Could Impact Finding Home Health Care.

A rule change by the Centers for Medicare and Medicaid Services (aka CMS) is coming- and it will impact how home health care providers will receive reimbursement. This rule could, inadvertently, affect patient care as well. Beginning in January 2020, Medicare will reimburse home health agencies at a lower rate when they care for patients who […]